Texas
Hard money, fix and flip and DSCR loans in Texas
Fix and flip, ground-up construction, bridge and rental loans for investors in Houston, Dallas–Fort Worth, San Antonio, Austin and across Texas.
- Flips, new builds and rentals
- DSCR loans qualified on rent
- $50K to $3M, closed in your LLC
Got it. Thank you.
We’ll review your deal and call you back. If it’s urgent, call 310-654-1577.
Programs available in Texas
Five programs are available across Texas. In Travis, Harris and Bexar counties (Austin, Houston and San Antonio), fix and flip and bridge loans need 3+ completed projects and 680+ credit, construction needs a completed build and 700+, leverage is about 5% lower with a 65% cap on value, and first flips are not available.
| Program | What it does | Maximum |
|---|---|---|
| Fix and flip | Buy and renovate | 90% of price + 100% of rehab |
| Ground-up construction | Build new homes | 75% of land + 100% of construction |
| Bridge | Hold a finished property | 70% of value |
| DSCR rental | Keep one rental | 80% LTV |
| Rental portfolio | 2–10 rentals in one loan | 80% LTV |
Where we lend in Texas
Houston, Dallas, Fort Worth, San Antonio, Austin, El Paso and their suburbs, plus other cities across the state. Large tracts and rural land fall outside these programs.
We work with Texas investors by phone, email and video, and closings happen with a title company near the property.
How Texas investors use these loans
Texas metros keep adding people, and that shows up in two kinds of deals: renovating older homes in established neighborhoods, and building new homes on infill lots and in growing suburbs. Fix and flip and ground-up loans fund both, with 100% of the rehab or construction budget released in draws.
Many Texas investors keep what they build or renovate. Once a house is rented, a 30-year DSCR loan qualifies on the rent, and a portfolio loan puts 2 to 10 rentals under one payment.
Texas investor loan questions
Do you offer hard money loans in Texas?
Yes. Our fix and flip, construction and bridge loans work like hard money: short-term, interest-only and based on the deal.
Do you offer DSCR loans in Texas?
Yes, from $75K to $2M, up to 80% LTV, qualified on the rent.
Do I need to be based in Texas?
Not for rental loans. For a flip or a build where you have no track record, the program asks for 3+ completed projects (3+ completed builds for construction) and gives about 5% less leverage. The loan closes in your LLC.
Do you finance new construction in Texas?
Yes, for builders with completed ground-up projects: 75% of the land plus 100% of construction.
Have a Texas deal?
Send the address, price and budget. You’ll hear which program fits and how much leverage to expect.