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.

American Association of private lenders member

What do Hard Money Lenders Texas do?

Hard money lenders Texas play a crucial role in real estate financing. Here’s what they do:

  1. Quick Financing:
    • Hard money lenders provide rapid access to capital for real estate investors.
    • They focus on speed, making them ideal for time-sensitive deals.
  2. Asset-Based Lending:
    • Unlike traditional banks, hard money lenders emphasize the property’s value rather than the borrower’s creditworthiness.
    • They evaluate collateral (the property) to determine loan eligibility.
  3. Short-Term Loans:
    • Hard money loans are short-term, typically ranging from  12 months to 2 years.
    • Investors use them for house flips, renovations, or bridge financing.
  4. Investment Properties:
    • Hard money lenders work with real estate investors, flippers, and developers.
    • They finance projects like buying distressed properties, renovating, and reselling.
  5. Higher Interest Rates:
    • Hard money loans come with higher interest rates compared to conventional mortgages.
    • Borrowers accept this trade-off for quick funding.
  6. Less Stringent Qualifications:
    • Borrowers can secure hard money loans even with sub-par credit scores or unconventional income sources.
  7. Collateral Evaluation:
    • Lenders assess the property’s condition, location, and potential for appreciation.
    • The property serves as security for the loan.
  8. Customized Solutions:
    • Hard money lenders tailor their offerings to meet specific investor needs.
    • Whether it’s a fix-and-flip, bridge loan, or rental property, they provide customized solutions.

Remember that hard money loans are a tool for specific situations, and borrowers should carefully consider the terms and costs before proceeding.

We Lend in:

Houston, San Antonio, Dallas, Austin, Fort Worth, El Paso, Arlington, Corpus, Plano, Loreto and all cities in Texas

How to find the right Hard Money Lenders Texas for your Real Estate Investments

The real estate market in Texas is an attractive option for investors. The state has a thriving economy and strong job growth, which leads to steady demand for housing and rental property. Additionally, the cost of living in Texas is lower than the national average, making it more affordable to invest in real estate.

 According to the Texas Real Estate Commission, there were over 246,000 residential sales in 2020 – a six percent increase year-over-year. In addition, the median home value in Texas rose by 5.3% over the same period, reaching an all-time high of $217K. Looking ahead to 2022 and 2023, experts predict that the real estate market in Texas will continue to be strong due to its diverse population and job market potential.

 Texas has one of the highest returns on investment (ROI) on residential property investments compared to other states. In 2021, factors such as population growth and low mortgage rates created conditions for even higher ROI numbers than expected in certain areas of the state. This trend is expected to continue into 2022 and 2023 with continued economic growth anticipated across all sectors. All signs point toward Texas remaining an attractive prospect for real estate investors looking for long-term asset appreciation as well as short-term cash flow opportunities from rental properties.

Texas has become an increasingly attractive option for real estate investors over the last few years. With its growing economy and job market, Texas boasts a diverse population and low cost of living. In addition, the state has experienced strong population growth throughout 2021, resulting in increased demand for housing and rental properties. This has created favorable conditions for both long-term asset appreciation as well as short-term cash flow opportunities from rental properties. 

Real estate investing trends in Texas have been highly positive in 2021. Factors such as high ROI numbers on residential property investments combined with low mortgage rates have enabled even higher returns than expected in certain areas of the state. This trend is projected to continue into 2022 and 2023, making Texas a promising prospect for real estate investors looking to grow their portfolios in a robust market climate.

The 5 Cities in Texas with the greatest potential for rental properties 

  1. Houston: With a strong job market and booming tech industry, Houston provides an excellent opportunity for investors looking to capitalize on rental income.
  2. San Antonio: An up-and-coming city that offers favorable conditions for real estate investments due to its diverse population and low cost of living.
  3. Austin: Home to several universities and tech companies, Austin is an attractive option for investors looking to tap into the area’s robust job market potential.
  4. Dallas: Boasting a large population and no shortage of entertainment options, Dallas is an ideal location for those seeking high rental income from their properties.
  5. Round Rock: With its convenient location between Austin and Dallas, Round Rock offers investors favorable opportunities in close proximity to both cities’ amenities.


Private Hard Money Lenders In Texas, LLC is a REAL direct Hard Money Lender to real estate investors in Texas. We began lending on investment properties to real estate investors in Texas in 1998. Having made over 3,000 loans in TX since our inception and we pride ourselves on being second to none on knowing our real estate market, in customer service, transparency and terms when it comes to hard money loans. We make loans in all of Texas. Our niche are 1-4 unit residential properties that are in need of renovation. We also lend to local builders that are putting up new housing.

Being rehabbers ourselves, this is a huge benefit to our borrowers as we know what challenges many borrowers run into when dealing with lenders and we try to make sure those are avoided at all costs. There are unique opportunities and challenges in Texas and its investors are taking advantage and dealing with them of them every day.

Hard Money Lenders Texas for what types of deals?

Our niche is 1-4 unit residential properties that you are either going to fix and flip or hold as a 30 year rental, or ones that you are building (ground up construction). We will look at 5+ unit apartment buildings that are in need of rehab or are stabilized.

When real estate investors in Virginia are in need of fix and flip loans in Texas, rental property as well as rental portfolio loans, 5+ unit multifamily bridge and 30-year loans, and ground up construction loans, it turns out the #1 choice for  hard money lenders Texas is LLC.

Texas Fix and Flip Loans

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Texas Construction Loans

Texas Rental Loans

Texas Multi Family Loans

Why HMM as your hard money lenders Texas?

This is where we separate ourselves from other lenders, we under promise and overdeliver time after time! You speak with a decision-maker on all phone calls and by email (you can even text us too!) not some account executive that is just reading off their product matrix and hoping to fit your loan in their box.

From  Houston to Dallas to San Antonio to Austin, LLC has helped real estate investors from new to experienced achieve their investment goals. Regardless of your location in Texas, LLC is there to help you achieve your funding needs.

Our quick and efficient process from intake to underwriting to closing, and then draws done in-house with our construction team, make us the market-leading hard money lenders Texas.

Submit your application today online or call us at 866-461-2695 and get approved for your next deal.


How to Work with Hard Money lenders in Texas

When working with hard money lenders in Texas, follow these steps to navigate the process effectively:

  1. Understand Your Goals:
    • Clarify your investment objectives. Are you buying, renovating, or flipping properties?
    • Determine the type of property (residential, commercial, land) you’re interested in.
  2. Research Lenders:
    • Look for reputable hard money lenders in Texas.
    • Consider factors like experience, reviews, and responsiveness.
  3. Prepare Documentation:
    • Gather necessary documents: property details, financial statements, and investment plans.
    • Having these ready speeds up the process.
  4. Evaluate Loan Terms:
    • Understand the loan terms: interest rates, loan duration, and fees.
    • Ask about prepayment penalties and flexibility.
  5. Professional Communication:
    • Maintain a professional approach when dealing with lenders.
    • Be responsive and transparent throughout the process.

Remember, each lender has unique terms and processes. Choose a lender aligned with your investment goals!

What are the typical LTV ratios for hard money loans?

 Hard money loans often have varying loan-to-value (LTV) ratios, depending on the lender, property type, and specific circumstances. Here are some general guidelines:

  1. Residential Properties:

    • For residential properties (such as single-family homes or condos), LTV ratios typically range from 60% to 80%.
    • A lower LTV requires borrowers to bring more personal funds to the table.
  2. Commercial Properties:

    • LTV ratios for commercial properties (office buildings, retail spaces, etc.) can be 50% to 70%.
    • Commercial properties often have higher risk factors, leading to lower LTVs.
  3. Fix-and-Flip Loans:

    • If you’re flipping a property, hard money lenders may offer an LTV of 70% to 90% of the purchase price plus renovation costs.
    • The property’s after-repair value (ARV) plays a significant role in determining the LTV.
  4. Bridge Loans:

    • Bridge loans (used for short-term financing between property transactions) may have LTVs around 70% to 80%.
    • These loans bridge the gap until permanent financing is secured.
  5. Land Loans:

    • LTV ratios for land loans (raw land or development sites) are typically lower, ranging from 40% to 60%.
    • Land is considered riskier due to lack of income-producing structures.
  6. Higher LTVs with Experience:

    • Experienced real estate investors with a successful track record may negotiate higher LTVs.
    • New investors or riskier projects may face stricter LTV limits.

Remember that each lender has its own policies, and it’s essential to discuss LTV ratios upfront when considering a hard money loan.

How can I calculate the LTV for my specific property?

Calculating the Loan-to-Value (LTV) ratio for your specific property involves a straightforward formula. Here’s how you can do it:

  1. Gather Information:

    • Obtain the appraised value of your property. This value represents the estimated market worth of the property.
  2. Determine the Loan Amount:

    • If you’re applying for a hard money loan, find out the loan amount you’re eligible for or planning to borrow.
  3. Apply the Formula:

    • The LTV ratio is calculated as: [ \text{LTV} = \frac{\text{Loan Amount}}{\text{Appraised Value}} ]
  4. Example:

    • Let’s say your property has an appraised value of $300,000.
    • You’re seeking a hard money loan of $200,000.
    • Calculate the LTV: [ \text{LTV} = \frac{200,000}{300,000} = 0.67 ]
  5. Convert to Percentage:

    • To express the LTV as a percentage, multiply the result by 100: [ \text{LTV} = 0.67 \times 100 = 67% ]
  6. Interpretation:

    • In this example, the LTV ratio is 67%. This means the loan amount is 67% of the property’s appraised value.

Remember that LTV ratios vary based on the lender’s policies and the type of property. Always consult with your lender to confirm the specific LTV for your situation.

Shaun Dozier
Shaun Dozier
My company has closed over 5 deals with Ken Vesely . He's very knowledgeable and will get it done . Good communication and responsive!
Demetri Williams
Demetri Williams
This is the best lender I've used for all my deals. Very fast and efficient. Never any glitch always a smooth sail to closing. Don't waste your time using someone else.
Dario Olivere
Dario Olivere
I have closed multiple deals with Ken. He’s to the point, very straight forward and won’t lead you on. He’s helped guide me along the way. I will always recommend him to my friends and I will always use him for my deals.
Tom Tinsey
Tom Tinsey
This was my first time using any type of hard money financing so I had tons of questions along the way. Ken answered every one and even helped me out a lot with great recommendations as far as building my real eatate portfolio. Look forward to working with him on future deals and would recommend. No nonsense. No bs. All buisness!!
Brandi Pernell
Brandi Pernell
The experience my husband’s and my company (Kingdom Realty, LLC) had with, LLC/Ken Vesely was five-star, from our very first interaction to closing. Ken is efficient, responsive, transparent and extremely knowledgeable. He kept his word on all things discussed, with no surprises along the way, which is extremely important with matters such as these. This was Kingdom Realty LLC's first experience with a hard money loan. Ken took the time to answer all of our questions and taught us a lot throughout our loan approval process. We closed our deal in less than 30 days; and would have closed sooner had it not been for the holidays. We are very much looking forward to working with LLC for our next deal, and strongly recommend this company to others looking to invest in real estate, close a deal quickly, and learn some tips along the way.
Christian Rodriguez
Christian Rodriguez
I have worked with Ken multiple times and every transaction was a breeze if I have to recommend a straight forward Hard Money Lender, Ken is the man to go with
Christina McCann
Christina McCann
Great company great experience
Joe Matthews
Joe Matthews
Dealing with Ken and his team is flawless. The process is very streamline from start to finish with excite communication throughout the process

 Hard Money Lenders Texas – Why Choose Us?


We're in the Business

We’ve rehabbed, sold and rented investment properties ourselves. We know what to look for so you can be confident that your project will result in profit. 


We're a Direct Lender

We loan the money. We don’t find the money form someone else. This means you can rest easy knowing that if we approve your loan, it’s going to get funded. No surprises.


We're Fast and Efficient

We can give you preliminary approval in as little as 24 hours and have your loan closed and paid out in less than 7-10 days. We’re the most efficient hard money lender in Texas.


We're Investor Focused

We consider you our partner and we want you to make money. We make it a point to look at our loans from all angles to make sure you’re going to get a fair return. 

Get Approved For A Hard Money Loan in TX

Simple and Fast Application Process