Hard Money Loan Clovis, New Mexico
Fast, asset-based capital for Clovis investors — fix & flip, bridge, cash-out, construction & auction. Qualify on the deal, not your income. From 8.9%, up to 95% LTC + 100% of rehab, and close in as little as 5–10 days.
- Close in 5–10 days — win Clovis auction & cash-competitive deals
- Asset-based — no income docs, down to a 600 FICO
- Every use case — flip, bridge, cash-out, construction, land
- From 8.9% · $75K–$20M · no prepay · refinance to DSCR
Hard money in Clovis, New Mexico
Clovis is a Cannon AFB market — military demand floors resale and rent at a low basis.
Clovis’s Cannon Air Force Base anchors steady resale and BAH-backed rental demand, with an agriculture-and-dairy economy adding ballast. Hard money funds affordable flips, new construction, and BRRRR acquisitions with a dependable military flip-to-rent exit.
Top Clovis hard money uses
Clovis leans affordable fix & flip, new construction, and BRRRR with a BAH-supported exit. New Mexico’s low property taxes keep carry low; the military market floors resale and rent, which we reflect in a defensible ARV.
Fix & Flip
Buy and renovate — up to 95% of purchase and 100% of the rehab, funded in draws.
Bridge
Fast gap financing to acquire or hold while you line up your exit or permanent loan.
Cash-Out
Pull equity out of an owned property quickly — up to ~70% of as-is value.
New Construction
Ground-up and major-rehab financing for infill and spec builds.
Land & Lots
Acquisition and pre-development financing on land and lots.
Auction & Foreclosure
Close in days to win courthouse-steps, wholesale, and REO deals.
Run your Clovis hard money numbers
Model funding & cash-to-close and your full deal — change any number for your Clovis project.
💵 Funding & Cash-to-Close
See exactly what we fund and what you bring — 95% of purchase, 100% of rehab.
Down payment shown is 5% of purchase; closing costs, points, and reserves are additional. Max loan is the lesser of 95% LTC and up to ~70–75% of ARV.
📊 Deal Analyzer — Profit & ROI
Estimate your spread and cash-on-cash return on the full project.
Estimates only, for illustration — not a profit projection or commitment. Cash invested assumes you carry the interest, ~2% points, and ~3% acquisition closing out of pocket; excludes property taxes, insurance, utilities, and overruns. Verify every deal independently.
How your Clovis hard money loan works
Apply
Send the address, deal type, purchase/value, and rehab budget. No income docs — minutes to start.
Value
We confirm as-is value and ARV and issue a term sheet sized to your deal and exit.
Close fast
Fund in as little as 5–10 days — asset-based, so valuation and title drive the timeline.
Exit
Sell, or refinance into a DSCR rental to hold. No prepayment penalty either way.
From hard money to a Clovis rental
Buy and rehab fast with hard money, then choose your exit — sell, or hold via BRRRR.
| Stage | Hard Money | DSCR Rental |
|---|---|---|
| Purpose | Buy · rehab · bridge | Hold long-term |
| Speed | Close in 5–10 days | 2–3 weeks |
| Income docs | None | None |
| Exit | Sell the deal | Refi & keep the cash flow |
One lender, whole cycle
Rehab with hard money, then refinance into a Clovis DSCR rental loan — or start with a Clovis fix & flip loan. No income docs on either.
Clovis hard money loan FAQ
Short-term, asset-based real-estate financing secured by a Clovis property and your exit, not your income. CambridgeHomeLoan.com funds fix & flip, bridge, cash-out, construction, and auction deals from 8.9%, up to 95% of purchase + 100% of rehab, closing in as little as 5–10 days.
As little as 5–10 days. It’s asset-based with no income verification, so valuation and title drive the timeline — which is how Clovis investors win auction, wholesale, and cash-competitive deals.
Fix & flip, fast bridge purchases, cash-out refinances, new construction, land, and value-add multifamily or commercial in Clovis. We underwrite the asset and your exit, not your W-2s.
Yes — buy and rehab with hard money, then refinance into a Clovis DSCR rental loan (no income docs) to hold. One lender for the whole BRRRR cycle.
Clovis investor financing & nearby markets
Other New Mexico hard money markets:
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© 2026 CambridgeHomeLoan.com. Equal Housing Lender. Hard money, bridge, and fix & flip loans are business-purpose loans for non-owner-occupied investment properties only. Terms shown — up to 95% LTC / 100% of rehab, up to ~75% of ARV or ~70% of as-is value, rates from 8.9%, $75K–$20M, 12–24 mo interest-only, no prepayment penalty — are illustrative program maximums, subject to change without notice and to borrower, property, and deal qualification and underwriting approval. Actual leverage varies by deal type, experience, credit, and property. Rate “from 8.9%” is the lowest advertised tier, not a rate quote or commitment to lend. Calculator outputs are estimates for illustration only and are not financial, tax, or investment advice. Verify every deal independently.