Southeast · Multifamily · First lien
Multifamily hard money loans in Alabama.
First-position multifamily loans across Alabama — typically $1M–$5M, larger considered — for acquisitions, maturities, bridge and value-add plans. Reviewed and decided directly by the principals.
Stokley Intelligence · Updated September 2026
Multifamily Market Outlook 2026
A structured view of the developments shaping multifamily—and the situations those developments may create for owners, lenders and investors.
Alabama market context
The economy behind the collateral.
Alabama's economy combines advanced manufacturing, aerospace and defense with a growing logistics base tied to its river and rail systems. Auto assembly plants and steel production anchor the industrial corridor from Birmingham to the Gulf, while Huntsville contributes a technology and federal research base built around Redstone Arsenal.
- Automotive manufacturing
- Aerospace and defense
- Steel and metals
- Logistics and rail freight
- Healthcare
- Agriculture
Multifamily underwriting
What we look at first.
- Trailing rent roll, collections and concessions
- Unit condition and the real cost of turns and deferred capex
- Expense load — insurance, taxes, payroll and utilities
- Submarket rents and competing new supply
- Sponsor's operating track record and management plan
Situations
Multifamily loans we see in Alabama.
- Floating-rate bridge loans maturing before the property is ready for agency debt
- Acquisitions of underperforming communities with a renovation plan
- Lease-up after a renovation or new delivery
- Partnership disputes that require a buyout
Selling a multifamily property in Alabama? Stokley also buys real estate as a principal. Submit it for acquisition.
Alabama metros
Local lending pages.
We lend across Alabama, not only in these metros. Each page covers the local economy and a direct request form.
Hard money lending guidelines
- Annual rate
- From 11.5%
- Origination
- From 2% of the loan amount
- Term
- 6 to 12 months
- Payments
- Interest only
- Loan-to-value
- Up to 70%
- Lien position
- First position only
Third party closing costs are separate.
Every term sheet is different. Every deal goes through underwriting and has specific terms. These are guidelines, not a commitment to lend.
Request loan terms
Alabama multifamily loan request.
Questions
Alabama multifamily loans, answered.
- Does Stokley Capital make multifamily loans in Alabama?
- Yes. We make first-position multifamily hard money and bridge loans throughout Alabama, including Birmingham, Huntsville, Montgomery, Mobile and smaller markets.
- How large are your Alabama multifamily loans?
- Typically $1M–$5M, first lien. Larger loans are considered.
- What should a Alabama multifamily loan request include?
- Property address, loan amount and purpose, current income and occupancy, existing debt, the business plan and the deadline. Rent rolls and operating statements help but are not needed for a first read.
- Are you a broker?
- No. Stokley Capital is a private real estate owner-operator that provides business-purpose loans. Decisions are made by the principals.
Nothing on this website is an offer to lend or a commitment of capital. All loans are subject to underwriting, due diligence, documentation and approval. Published lending guidelines are for general guidance only. Every deal goes through underwriting and has specific terms.
Other property types in Alabama
Multifamily loans nearby
Next step
Financing multifamily in Alabama?
Send the property, amount and deadline. A principal will respond directly.