The Leading Hard Money Lenders Texas for Real Estate Investors
#1 Investment Property direct hard money lender Texas
Market Leading Hard Money Lenders Texas for fix and flips, construction and rental loans!
Submitting your application package to Hard Money Lenders Texas is quick and easy.
Hard Money Lenders Texas – Close in 7–10 Days
Fast, flexible financing for Texas investors. Approvals in 24 hours. Same‑day draws available.
We Lend in:
Houston, San Antonio, Dallas, Austin, Fort Worth, El Paso, Arlington, Corpus, Plano, Loreto and all cities in Texas
Loan Programs Available in Texas
- Fix & Flip Loans: Up to 90% purchase + 100% rehab, staged draws, 6–12 month terms.
- Spec Construction Loans: 1–4 unit builds, staged draws, approvals in 24 hours.
- DSCR Rental Loans: Qualify based on rental income, 30‑year fixed or IO options.
- Multifamily Loans: Financing for 5+ unit apartment buildings across Texas.
- Commercial Loans: Asset‑based loans for offices, retail, mixed‑use, and industrial properties.
- Asset‑Based Loans: Collateral‑driven financing based on property value, not credit.
Texas Fix and Flip Loans
Texas Construction Loans
Texas Rental Loans
Texas Multi Family Loans
Asset Based Loans in Texas
Commercial Hard Money Loans in Texas
Texas Real Estate Market Highlights
Median Sale Price
$317,500
Feb 2025
Median Days on Market
52
Feb 2025
Homes Sold Above List
28.4%
Feb 2025
Avg Fix & Flip ROI
32.1%
Q3 2024
Avg Fix & Flip Profit
$85,400
Q3 2024
Investing in Texas Markets
From flips in Houston and Dallas to rentals in Austin and San Antonio, Texas offers diverse opportunities. With strong job growth and population increases, demand for housing remains high. HardMoneyMan provides fast, flexible capital so you can act quickly and secure deals statewide.
Texas Investor Success Stories
Case Study 1: Houston Fix & Flip
An investor purchased a single‑family home for $180,000, invested $60,000 in renovations, and sold for $310,000 within five months — netting $50,000 profit after loan payoff and costs.
Case Study 2: Dallas Rental Refinance
A landlord refinanced a 6‑unit rental with a DSCR loan, locking in a 30‑year fixed rate. Monthly cash flow improved by $750 thanks to lower payments and no personal income docs required.
Frequently Asked Questions
How fast can I close in Texas?
Most loans close in 7–10 days, with approvals issued in 24 hours.
Do you offer fix and flip loans?
Yes. We provide short-term fix and flip loans with flexible draws and fast closings.
What equity is required for spec home loans?
Builders typically need 20–30% equity, with lot value often counting toward this requirement.
Do you finance rental properties?
Yes. DSCR loans qualify based on rental income, not personal income documentation.
Do you finance multifamily properties?
Yes. We provide loans for 5+ unit apartment buildings across Texas.
Are commercial properties eligible?
Yes. We provide asset-based loans for offices, retail, mixed-use, retail and self-storage properties.
Do you lend to LLCs and entities?
Yes. All programs can be closed in LLCs or other entities.
Is Airbnb or short-term rental income considered?
Yes. Documented short-term rental income can be used for DSCR qualification.
Do you require appraisals?
Depending on deal and collateral, appraisal requirements vary; clear scopes and comps can accelerate approvals.
What is the typical ROI for flips in Texas?
Recent averages show ~32.1% ROI and ~$85,400 gross profit per flip.
Ready to Fund Your Texas Project?
Apply today and close in as little as 7 days. Fast approvals, same‑day draws, and flexible