Easy Street Capital is proud to be a leading private lender for The Land of Enchantment! We offer industry leading Hard Money and DSCR Loans for every type of New Mexico Real Estate Investor. Easy Street Capital is the investment property loan provider for real estate investors of all experience levels and specialties, including popular strategies such as Short Term Rentals, Fixing and Flipping and the BRRRR Method! Our New Mexico DSCR Loans are perfect rental loans for the long-term real estate investor looking for cash flow. Our New Mexico Hard Money Loans are ideal for renovators looking to add value through rehabs or ground-up construction!

Check out the rest of this New Mexico Investment Property Loans page for all the information you need on our loan programs. Check out recently funded rental loans, information on all of our loan programs, FAQs, market analysis and more!

Real Estate investors looking for cash flow and appreciation are flocking to New Mexico to build rental portfolios. The Land of Enchantment State is a current favorite of real estate investors due to many factors including a strong and stable economy, a growing population and beautiful scenic markets perfect for vacation rentals. Easy Street Capital is proud to be a leading provider of rental property loans for real estate investors looking to build rental portfolios in New Mexico!

Types of Loans for Rental Properties

When it comes to real estate investing in New Mexico there are many markets and types of rental property loans to choose from. For investors adept at rehabbing properties, hard money renovation loans are a perfect choice! These rental loans allow you to buy a property quickly and finance your rehab costs as well! Once you are done, you can either “flip” the property for a quick profit or pursue the BRRRR Method by renting it out and then refinancing into a long-term, low-rate DSCR loan!

Long-term DSCR Loans are also great for investing in turnkey rental properties. Turnkey refers to properties that are rent-ready and require no rehab work. Move-in ready single-family homes and fully furnished vacation rentals are great for cash flow and price appreciation. Most DSCR Loans are fixed rates for thirty years, locking you into a fixed interest rate for a long time. If historical patterns continue, rents and appreciation increase steadily each year. But debt costs stay the same for fixed-rate 30-year loans. This means cash flow should increase every year of ownership for properties financed by a DSCR rental loan.

Investors in New Mexico’s rapidly evolving real estate market are delighted to discover the absence of prepayment penalties, allowing them the freedom to refinance as needed without any financial constraints. While it’s important to acknowledge that some lenders may adjust the interest rates slightly higher to account for this flexibility, the overall advantage of unrestricted refinancing options remains highly advantageous for investors.

Where To Invest In Real Estate In New Mexico

New Mexico is also a favorite market for real estate investors because of its diverse market options. There are lots of varying markets that offer great potential for each type of real estate investor. Albuquerque is the largest city in the state and home to the flagship university, University of New Mexico. Santa Fe is the state’s capital and fourth most populous. La Cruces is in the southern part of the state and experiences steady population growth. Rio Rancho offers a mix of residential and commercial properties and is the third most populous city in the state. Lastly, Taos is a popular destination for skiers in the winter and hikers in the summer!

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Are you a Property Manager, Full-Scale Mortgage Broker (including Conventional, Non-QM) or Investor-Friendly Real Estate Agent in New Mexico? We are looking for trusted professionals in New Mexico to refer our investor borrowers too! Comment or DM me to discuss, and we can potentially feature you on our website!