Hard Money Lenders Austin Texas
As one of the go-to hard money lenders in Austin TX, HardMoneyMan.com offers hard money loans in Austin with fair terms and a fast process. Click the button to get started by sending a few quick pieces of info.
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Austin Hard Money Loans for Real Estate Investors
Fast funding for fix & flip, rental, construction, and commercial investment properties across Austin —
plus 50% LTV asset-based loans for equity-heavy opportunities.
Why Invest in Austin Real Estate?
Austin’s booming tech industry, strong rental demand, and limited inventory make it one of the hottest real estate markets in Texas. From downtown condos to single-family homes in South Austin, investors can find opportunities for fix & flips, long-term rentals, and multifamily projects.
We lend in all major Austin neighborhoods including Downtown, East Austin, South Austin, West Lake, Mueller, and North Austin, offering local expertise to help you close deals quickly and confidently.
Investment Loan Programs in Austin
Austin Fix & Flip Loans
Short-term, asset-based financing for rehab and resale projects in Austin. Ideal for South Austin and East Austin neighborhoods where quick turnarounds are critical.
- Up to 90% of purchase price + 100% rehab costs
- Interest-only payments available
- Typical terms 12–18 months
- Fast closing in 7–10 days
Austin DSCR Rental Loans
Long-term rental loans qualifying based on cash flow rather than income. Austin’s booming rental market supports strong DSCR loan performance.
- 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
Austin Spec Home Construction Loans
Funding for new builds or speculative construction projects. Perfect for Austin builders targeting high-demand neighborhoods like Northwest Austin and Mueller.
- 1–4 unit residential construction
- Staged draws for faster cash flow
- Close quickly with experienced underwriting
Austin 5+ Unit Multifamily Loans
Financing for investors acquiring or refinancing 5+ unit apartment buildings in Austin. Great for East Austin and Downtown investment properties.
- Based on cash flow & property value
- Flexible loan sizes
- Fast approvals to compete with cash buyers
Austin Asset-Based Hard Money Loans
Loans secured by property assets. Ideal for Austin investors seeking fast approval without heavy income documentation.
- Fast closings
- Flexible loan-to-value
- Works well for commercial and residential deals
Austin Commercial Hard Money Loans
Financing for commercial real estate investors across Austin. Ideal for office, retail, and mixed-use projects in high-demand districts like Domain and Downtown.
- 1–50+ unit properties
- Flexible terms & rates
- Quick closing process
Frequently Asked Questions – Austin Hard Money Loans
How do hard money loans work in Austin?
Hard money loans in Austin are short-term real estate loans for investors to buy, renovate, or refinance properties. Approval is primarily based on property value, market conditions, and exit strategy rather than personal income. Learn more about Fix & Flip Loans.
What types of investors use hard money lenders in Austin?
Investors using hard money lenders in Austin include fix & 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 Austin?
Most hard money loans in Austin can close in 7–10 days once property details, budget, and title work are completed. See Spec Construction Loans for builder financing options.
Are hard money loans legal in Austin?
Yes. Hard money lending is legal in Austin and widely used by real estate investors throughout the city and surrounding areas.
Do Austin hard money lenders require income verification?
No. Most Austin hard money loans are asset-based or DSCR-driven, focusing on property value and deal structure rather than personal income documentation. See DSCR Rental Loans for cash-flow-based financing.
How much can I borrow with a hard money loan in Austin?
Loan amounts vary by deal, but investors commonly fund up to 90% of the purchase price and 100% of renovation costs depending on the after-repair value.
Can hard money loans be used for rental properties in Austin?
Yes. Investors often use hard money loans in Austin to acquire or renovate rental properties before refinancing into long-term DSCR or conventional financing.
What property types qualify for hard money loans in Austin?
Eligible properties include single-family homes, 1–4 unit residential properties, multifamily buildings, mixed-use assets, and select commercial properties in Austin. See 5+ Unit Multifamily Loans.
When is a hard money loan not a good fit in Austin?
Hard money loans are not intended for owner-occupied primary residences or long-term financing without a defined exit strategy.
Ready to Fund Your Austin Investment Property?
We fund fix & flip, rental, construction, and commercial real estate deals throughout Austin.
Asset-based loans up to 50% LTV are available for equity-driven projects.