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.
Texas Hard Money Loans for Real Estate Investors
Fast funding for fix & flip, rental, construction, and commercial investment properties across Texas —
plus 50% LTV asset-based loans for equity-heavy deals statewide.
Why Hard Money Loans Are a Smart Choice in Texas
Texas is one of the most active real estate investment markets in the U.S., with high population growth, strong rental demand, and diverse property types. Hard money loans allow investors to close deals fast, without waiting for bank approvals or lengthy documentation.
- Close in 7–10 days on most deals, not weeks
- Flexible terms for fix & flips, rentals, and new construction
- Funding based on property value and equity, not credit score or income documentation
- Perfect for investors competing with cash buyers
Whether you’re flipping a single-family home, refinancing a rental property, or funding a commercial project, Texas hard money loans give you speed and flexibility to win deals.
Serving Texas’ Top Investment Markets
Our local expertise covers Texas’ major cities and investment hubs. Explore city-specific programs below:
- Houston – High demand for single-family and multifamily investments, with strong rental yields and growth in suburban neighborhoods.
- Dallas – Rapid population growth and job expansion fuel a competitive market for fix & flips and rental properties.
- Austin – Tech and job growth drive demand for rentals and new construction projects.
- San Antonio – Affordable markets with upside potential for investors seeking high ROI.
Investors also frequently fund deals in Fort Worth, El Paso, Plano, Arlington, and other Texas cities. Hard money loans provide the capital to act quickly in these competitive markets.
Investment Loan Programs in Texas
Texas Fix & Flip Loans
Short-term, asset-based financing for rehab and resale projects in Texas.
- Up to 90% of purchase price + 100% rehab costs
- Interest-only payments available
- Typical terms 12-18 months
- Fast closing (7–10 days)
Texas DSCR Rental Loans
Long-term rental loans qualifying based on cash flow rather than personal income.
- Qualify based on rental income (no W-2 required)
- 30-year fixed or interest-only options
- Great for single-family or 1–4 unit rentals
Texas Spec Home Construction Loans
Funding for new builds or speculative construction projects in Texas.
- 1–4 unit residential construction
- Staged draws available
- Fast closing with experienced underwriting
Texas 5+ Unit Multifamily Loans
Financing for investors acquiring or refinancing 5+ unit apartment buildings in Texas.
- Based on Cash Flow & Property Value
- Flexible Loan Sizes
- Fast Approvals
Texas Asset-Based Hard Money Loans
Loans secured by property assets for investors needing flexible financing without heavy income documentation.
- Fast Closings
- Flexible Loan-to-Value
- Ideal for Experienced Investors
Texas Commercial Hard Money Loans
Financing for commercial real estate investors across Texas with fast funding and competitive terms.
- 1–50+ Unit Properties
- Flexible Terms & Rates
- Quick Closing Process
TEXAS FAQs
How do hard money loans work in Texas?
Hard money loans in Texas are short-term real estate loans used by investors to buy, renovate, or refinance investment properties. Approval is based primarily on property value, market conditions, and exit strategy rather than personal income.
What types of investors use hard money lenders in Texas?
Hard money lenders in Texas work with fix and flip investors, rental property owners, builders, and commercial investors who need fast closings or flexible underwriting.
How quickly can a hard money loan close in Texas?
Most hard money loans in Texas can close in 7 to 10 days once the property details, budget, and title work are completed.
Are hard money loans legal in Texas?
Yes. Hard money lending is legal in Texas and widely used by real estate investors throughout major metro and secondary markets.
Do Texas hard money lenders require income verification?
No. Texas hard money loans are asset-based, meaning approval focuses on the property and deal structure rather than tax returns, W-2s, or pay stubs.
How much can I borrow with a Texas hard money loan?
Loan amounts vary by deal, but Texas hard money lenders commonly fund up to 90% of the purchase price and up to 100% of renovation costs, depending on the after-repair value.
Can hard money loans be used for rental properties in Texas?
Yes. Investors often use hard money loans in Texas to acquire or renovate rental properties before refinancing into long-term DSCR or conventional financing.
What property types qualify for hard money loans in Texas?
Eligible properties include single-family homes, 1–4 unit residential properties, multifamily buildings, mixed-use assets, and select commercial properties.
Do Texas hard money lenders finance properties outside major cities?
Yes. In addition to Dallas, Houston, Austin, and San Antonio, many lenders finance properties in secondary and rural Texas markets with strong demand.
When is a hard money loan not a good fit in Texas?
Hard money loans are not intended for owner-occupied primary residences or long-term financing without a defined exit strategy.
When is a hard money loan not a good fit in Texas?
Hard money loans are not intended for owner-occupied primary residences or long-term financing without a defined exit strategy. They are best suited for investors seeking fast closings, flexible terms, and funding for projects such as fix & flip loans,
spec home construction loans,
DSCR rental loans,
multifamily loans, or
asset-based financing.
Our Texas hard money lending programs serve investors across the state, including
Houston,
San Antonio,
Dallas,
Austin,
Fort Worth, El Paso, Arlington, Corpus, Plano, Loreto, and all other cities in Texas.
Investors looking to expand beyond Texas can explore our lending programs in
Tennessee,
Mississippi,
Arkansas, and
Missouri, helping them build multi-state investment strategies with speed and flexibility.
Ready to Fund Your Texas Investment Property?
We fund fix & flip, rental, construction, and commercial real estate deals across Houston, Dallas, Austin, San Antonio, and all other Texas markets.
50% LTV asset-based loans are available for equity-heavy properties.