Texas Real Estate Market Highlights

The Texas property market offers strong opportunities for investors:

• Houston – High demand single family and multifamily investments
• Dallas–Fort Worth – Rapid growth, strong rental yields
• Austin – Tech and job growth fueling investor interest
• San Antonio – Affordable markets with upside potential

Investors often seek hard money loans in these metropolitan centers to speed deal execution and compete with cash buyers.

Asset-Based Hard Money Loans

50% LTV financing based solely on property value, not credit history — ideal for equity‑heavy deals outside traditional rehab programs.

• Great for commercial or high‑value properties
• Less documentation required
• Flexible terms tailored to investor needs

Service Areas: Houston, Dallas, Austin, San Antonio, Fort Worth, El Paso, Arlington

Texas Investor Success Stories

• Houston Fix & Flip: Bought a 3‑bed home for $210,000, rehabbed for $50,000, sold at $380,000 within six months — strong profit after loan payoff.
• Dallas Rental Refinance: Refinance a 6‑unit property with a NO- DSCR loan — improved cash flow and locked low rate for long-term hold at 75% Loan to value.
• Austin New Construction: Completed a 2‑unit build with staged draws — financed 85% of  the total deal through hard money.
• San Antonio Asset-Based: Secured $2M for mixed-use property at 50% LTV, no income docs, equity‑focused approval, 425 mid credit score.

Commercial Hard Money Loans in Texas

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.

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 their deals beyond Texas can explore our lending programs in Tennessee, Mississippi, Arkansas, and Missouri.