Fix and Flip Loans in Louisiana
AAPL Member · Direct Lender Since 2016 · NMLS #1979189
Louisiana is a strong, affordable flip market, with deal flow across New Orleans, Baton Rouge, Shreveport, and Lafayette and a deep supply of older homes ready for renovation. There’s no shortage of properties to buy, fix, and resell — the hard part is funding them fast enough to win. Fix and flip loans in Louisiana from Tidal Loans solve that: short-term, asset-based financing that funds the purchase and the rehab based on the property’s after-repair value, not your tax returns. We’ve financed Louisiana investors as a direct lender since 2016 — it’s one of our longest-standing markets — we lend our own capital, and we fund up to 90% of the purchase and 100% of the rehab on qualifying Louisiana deals.
A fix and flip loan is a form of hard money — the property is the collateral, and we underwrite the deal rather than your personal finances. Instead of scrutinizing your credit score, we focus on what the property will be worth after repairs. That asset-based approach is what lets us close fast — in days when the deal requires it — which is exactly what a competitive market demands.
Building new instead of renovating? See our Louisiana ground-up construction loans.
How Much of a Louisiana Fix and Flip Can You Finance?
On qualifying Louisiana deals, we fund up to 90% of the purchase and 100% of the rehab, as long as the combined amount stays within our after-repair-value limit of 75% of ARV. The stronger the spread between your total cost and the finished value, the more leverage the deal supports — and on a well-bought project, that structure keeps your cash-to-close low.
A note on 100% financing in Louisiana: we’ve temporarily paused 100% loan-to-cost and 100% CLTV structures in this market. We’ll update this page the moment that program returns. In the meantime, the 90%-purchase / 100%-rehab structure covers most Louisiana deals with modest money down. We walk through the full ARV math and a worked deal example on our fix and flip hub, and you can model any Louisiana deal with our fix and flip deal calculator.
To be clear on credit: we’re a property-first lender. We do review credit, so be cautious of anyone promising a literal “no credit check” loan, but a credit blemish that would sink a bank application usually won’t stop a Louisiana fix and flip deal with us.
Fix and Flip Lending Across Louisiana's Major Markets
Every Louisiana market flips a little differently, and we fund deals across all of them.
New Orleans
New Orleans is one of the most distinctive flip markets in the country, with historic homes, character properties, and strong buyer and rental demand. Our New Orleans fix and flip loans fund the purchase and rehab so you can renovate and resell, or convert a property into a short- or long-term rental in a city with year-round visitor demand.
Baton Rouge
Baton Rouge offers steady, university- and government-driven demand that makes it a reliable flip market. Our Baton Rouge fix and flip financing funds the purchase and rehab so you can turn around properties quickly across the capital region.
Shreveport
Shreveport is one of the strongest cash-flow markets in the state, with affordable entry prices that make the flip math work easily. Our Shreveport fix and flip loans help investors capture and renovate distressed inventory.
Lafayette
Lafayette pairs affordability with steady demand, making it a dependable market for flips and rentals. Our Lafayette fix and flip financing funds deals across the region.
We also fund flips in Lake Charles, Metairie, and the surrounding parishes statewide.
What the New Orleans Flip Market Looks Like in 2026
Market data last updated: July 2026 — point-in-time figures that move; refreshed quarterly.
New Orleans is a buyer’s market right now, and for a flipper that cuts both ways. As of mid-2026 the citywide median sale price sits around $354,000, up roughly 5.7% year over year, with homes averaging about 75 days on market and around one offer each.[Redfin] Nearly three-quarters of active listings have taken a price cut[Houzeo], and homes are closing a few points under list.
For the buy, that’s leverage — you have room to negotiate, which is where flip profit is actually made. For the exit, it’s a caution: underwrite a realistic hold and a longer marketing window, not a 2021-style bidding war. In the French Quarter, where our case study property sold, the median runs closer to $421,000 and is up about 6.6% year over year[Redfin], but those historic homes can sit 150-plus days before they trade — the premium comes with patience.
The number most out-of-state investors miss: insurance
Louisiana is still, in the state insurance commissioner’s own words, in a property insurance crisis as of 2026[WVUE/FOX 8] — improving, but not over. Premiums climbed more than 40% between 2021 and 2024, and it isn’t unusual to see a New Orleans policy that ran $3,000–$4,000 a few years ago in recent years quoted at $6,000–$8,000[NOLA.com]. That matters to a flip in two ways: it shrinks your buyer pool — a buyer who qualified at $250K three years ago may only qualify at $200K once insurance is priced in — and it eats your holding cost while you renovate.
Here’s how I underwrite around it. First, I treat insurance as a real, quoted line item in the exit math, not an afterthought. Second, roof and envelope condition matter more than they used to — a newer or fortified roof and impact-resistant features make a finished flip far easier to insure, which makes it far easier to sell. Third, 2025’s insurance reforms have brought new carriers into the state and the first rate decreases in years[LA Dept. of Insurance], plus a new 2026 “stated value” option that can lower premiums on some properties[details], so the quote a buyer got last year isn’t necessarily the quote they’ll get today.
None of this changes the core Louisiana thesis: affordable entry prices, deep historic inventory, and steady tourism-driven demand still make this one of our favorite flip markets. It just means the investors who win here buy right, build to insure, and price the exit honestly.
From Flip to Hold: the BRRRR Strategy in Louisiana
Not every Louisiana project ends in a sale. Many of our investors run the BRRRR method — buy, rehab, rent, refinance, repeat. We fund the purchase and rehab, you place a tenant, and instead of selling you refinance into a long-term Louisiana DSCR loan that qualifies on the rent, then pull your capital back out through a cash-out refinance. You recycle that capital into the next deal and do it again. Many Louisiana investors pair our Louisiana hard money loans with this strategy, and if your project needs to bridge a timing gap before permanent financing, our Louisiana bridge loans cover that too.
Case Study: A French Quarter Flip Funded at 100% of Cost
One of our experienced Louisiana borrowers brought us a historic single-family home in the heart of the New Orleans French Quarter in early 2023. Here’s exactly how the deal penciled — and why it qualified for our highest leverage at the time.
- Purchase price: $129,000
- Rehab + soft costs: $120,000
- Total project cost: $249,000
- Loan amount: $249,000 (100% of cost)
- After-repair value (ARV): $440,000
- Term: 12-month interest-only
Because the total cost of $249,000 came in at roughly 57% of the $440,000 ARV — comfortably inside our after-repair-value ceiling — the deal supported financing of both the purchase and the full rehab. The borrower brought only closing costs to the table.
The renovation reworked the floor plan from a 3-bed / 2.5-bath, 1,304 sq ft layout into a 4-bed / 3.5-bath, 1,950 sq ft home. It sold on May 30, 2024 for $405,000.
That’s a gross spread of about $156,000 over total project cost — roughly a 63% return on cost before financing, closing, holding, and selling expenses come out. Even after those costs, it was a strong result, and it’s a clean example of what actually drives a fix and flip approval with us: the spread between total cost and after-repair value, not the borrower’s tax returns.
A note on this deal’s 100% financing. This project closed in 2023–2024, when we offered 100% loan-to-cost in New Orleans for experienced borrowers. We have since paused 100% LTC and 100% CLTV in Louisiana. Today we fund up to 90% of the purchase and 100% of the rehab on qualifying Louisiana deals. Terms shown reflect this specific deal; every scenario is quoted individually, and rates and structures move over time.
Louisiana Fix and Flip Loan Parameters
Loan Details
Frequently Asked Questions
On qualifying deals we fund up to 90% of the purchase and 100% of the rehab, as long as the combined amount stays within about 75% of the after-repair value. On a well-bought Louisiana deal, that keeps your cash-to-close low. We have temporarily paused 100% loan-to-cost and 100% CLTV financing in Louisiana, and we’ll update this page when that program returns. Every scenario is quoted individually.
ARV is the after-repair value — what the property will be worth once your renovation is complete, backed by comparable sales and an appraisal. We size your loan against it, keeping your total purchase-plus-rehab within about 75% of ARV. The stronger the spread between your total cost and the ARV, the more leverage we can offer — up to 90% of the purchase and 100% of the rehab on qualifying Louisiana deals.
There is no minimum credit score, because the property carries most of the underwriting weight. We do pull credit — be cautious of anyone promising a literal no-credit-check loan — and a stronger score improves your terms, but a blemish that would stop a Louisiana bank often won’t stop a fix and flip deal with us. We focus on the deal’s margin and your plan.
We close fast, and can close in days when the deal requires it. Because we underwrite the property rather than your income, there’s far less paperwork than a conventional loan, no tax returns to dig up, and no slow committee. In a competitive market, that speed is frequently what wins the deal over a buyer waiting on bank financing.
Yes. Many Louisiana investors buy and renovate with a fix and flip loan, then keep the property as a rental — long-term or short-term — by refinancing into a DSCR loan that qualifies on the rent. That’s the BRRRR strategy, and it works especially well in Louisiana’s strong cash-flow markets like Shreveport and the tourism-driven New Orleans rental scene.
We lend statewide and have one of our longest track records here. New Orleans, Baton Rouge, and Shreveport are among our busiest Louisiana markets, but we actively fund fix and flip loans in Lafayette, Lake Charles, Metairie, and the surrounding parishes. Each market has its own ARVs and renovation costs, and we structure each loan to fit the property and the local market.
Ready to fund your Louisiana deal?
Get a fast quote from a direct lender — or call and walk it through with us.