Hard Money Loans in Texas

Looking for fast, flexible financing for your real estate projects in Texas state? Our hard money loans are designed for investors seeking short-term funding for fix-and-flip properties, ground-up construction, or renovation projects.

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Why Choose Us for Hard Money Loans in Texas

We provide fast, reliable, and flexible hard money loan solutions tailored for real estate investors in Texas. Whether you’re funding a fix-and-flip, renovation, or new construction project, our team ensures quick approvals, competitive rates, and personalized terms.

Competitive Terms

We offer competitive terms on investment property loans in Texas. Fix-and-flip loan rates typically range from 10.5% to 11.25% with origination fees between 1.5% and 2.99%. DSCR loans are available at rates from 6.5% to 7.99% with a 1.0% origination fee.

Simple Online Application

Real estate investors can apply online, receive pre-approval, or book a quick call in just a couple of minutes. Getting started is fast and hassle-free.

Quick Turnaround

Our team is ready to assist you. Submit a Quick Application or Pre-Approval, and we’ll respond within 1 business hour. Funding for your project can be completed in as little as 7 days.

Reliable Financing

Integrity and honesty are at the core of our work. When we approve a loan, you can count on closing on time.

Texas Hard Money Loan Products

Texas Fix-and-Flip Loans

Purchase & Rehab Financing

  • Loan amounts ranging from $50,000 to $3,000,000

  • Competitive interest rates between 10.5% – 11.75%

  • Origination fees starting at 1.5%

  • Financing available for up to 90% of the purchase price and 100% of rehab costs

  • Beginner-friendly fix-and-flip programs available

Texas DSCR Loans

30-year DSCR financing options for income-producing properties

  • Loan Amount: Up to $2,000,000

  • Interest Rate: 6.25% – 7.99%

  • Origination Fee: Starting at 0%

  • Loan-to-Value: Up to 80%

  • Eligible Properties: Short-term and long-term rentals

Texas Ground-Up Construction Loans

Financing for new construction projects and building completions.

  • Loan Amount: Up to $3,000,000

  • Interest Rate: 10.99% – 12.25%

  • Origination Fee: Starting at 2.0%

  • Loan-to-Cost: Up to 75% of purchase and 100% of construction costs

  • Maximum LTC: Up to 90%

  • State

    Texas

  • Loan Type

    Fix and Flip

  • Loan Amount

    $505,000

  • Loan Amount (if applicable)

    80% of Purchase + 100% Of Rehab

  • Rate

    10.00%

  • Points

    2.5%

Texas Deal Summary

This 3-bedroom, 2-bathroom property in Pittsburgh provided a promising fix-and-flip opportunity in an emerging neighborhood. It was purchased for $125,000, with a rehab budget of $37,500, focusing on cosmetic improvements to update the home. A hard money loan was arranged to cover most of the project costs, helping the investor keep their personal cash investment low.

Key Highlights

  • High Leverage: Funded 90% of the $125,000 purchase price and covered 100% of the $37,500 renovation budget.

  • Competitive Rate: Offered a 12-month loan at 11.00%, keeping holding costs manageable throughout the project.

  • Investor-Friendly Terms: The loan structure reduced the investor’s upfront cash requirements, allowing them to concentrate on completing the rehab efficiently.

Frequently Asked Questions

How can I qualify for a hard money loan in Texas?

To be eligible for a hard money loan in Texas, you typically need to meet the following requirements:

A minimum credit score of 640 or higher

A profitable investment opportunity with at least a 10% return on investment (ROI)

A registered LLC or corporation in Texas

Which property types are eligible for hard money financing in Texas?

Hard money financing in Texas can be used for several types of real estate investments, such as:

Single-family and small residential properties (1–4 units)

Medium-sized multifamily properties (5–25 units)

Certain commercial real estate projects

What interest rates and loan terms are available for hard money loans in Texas?

Interest rates for hard money loans in Texas typically vary based on the borrower’s experience and credit profile. Rates generally range between 10.5% and 11.5%. For fix-and-flip projects, the average rate is around 10.75%, offered as an interest-only loan with no prepayment penalty.

How is the loan-to-value (LTV) calculated for hard money loans in Texas?

The loan amount is determined using several factors related to the project and investor profile. In general, first-time investors may qualify for financing of up to 80% of the purchase price plus 100% of the renovation costs. More experienced investors can access higher leverage, with financing of up to 90% of the purchase price along with 100% of the rehab budget.

Can a hard money loan be used for rental properties in Pennsylvania?

Yes, a hard money loan can be used to acquire and renovate a rental property in Texas. Once the property is stabilized, it can be refinanced into a DSCR loan. If the property is already rent-ready at the time of purchase, hard money financing may not be necessary, and you can move directly into DSCR financing.

Best Cities To Invest In Real Estate
In Texas

Dallas

Dallas, TX, is a strong and attractive market for real estate investors, driven by steady economic expansion and continued population growth. As a major business center, the city attracts a large professional workforce, creating consistent demand for housing. Its lively cultural scene, diverse entertainment options, and renowned sports presence add to its overall appeal. With investment opportunities ranging from single-family rentals and multifamily properties to fix-and-flip projects, Dallas provides a versatile and stable market with long-term growth potential and solid returns.

Houston

Houston, TX, is a major real estate investment market, supported by its strong economic foundation and rapid population growth. The city’s diversified economy—including energy, healthcare, aerospace, and technology—continues to attract professionals and families, driving consistent demand for housing. Known for its relative affordability, rich cultural offerings, and leading medical institutions, Houston appeals to both renters and homeowners. With opportunities across single-family rentals, multifamily projects, and fix-and-flip investments, Houston presents a flexible and resilient market with solid long-term growth potential.

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Sat – Sun: Closed

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