Top Hard Money Lenders Houston: Quick Approvals, Reliable Financing
The go to hard money lenders Houston, HardMoneyMan.com offers hard money loans in Houston for fix and flips, ground up construction and rental property loans. Click the “Apply Now” button below to get started by sending a few quick pieces of info.
Where To Find Houston TX Hard Money Lenders
Where To Find Houston Hard Money Lenders
The Leader in Hard Money Loans Houston
Submitting your application package to Hard Money Lenders Houston is quick and easy.
Houston Hard Money Loans for Real Estate Investors
Fast funding for fix & flip, rental, construction, and commercial investment properties across Houston —
plus 50% LTV asset-based loans for equity-heavy deals.
Why Invest in Houston Real Estate?
Houston is one of Texas’ most active real estate investment markets, with strong demand for single-family and multifamily properties. Hard money loans let investors close quickly, compete with cash buyers, and take advantage of fast-moving opportunities.
Explore Texas hard money loans to fund deals across the state.
Houston Fix & Flip Loans
Short-term, asset-based financing for rehab and resale projects in Houston. Houston’s active single-family rehab market makes these loans ideal for fast-turnaround flips.
- Up to 90% of purchase price + 100% rehab costs
- Interest-only payments available
- Typical terms 12-18 months
- Fast closing (7–10 days)
Houston DSCR Rental Loans
Long-term rental loans qualifying based on cash flow rather than personal income. Houston’s strong rental market supports high DSCR loan success for single-family and small multifamily investors.
- 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
Houston Spec Home Construction Loans
Funding for new builds or speculative construction projects in Houston. The city’s growing suburbs provide ideal opportunities for speculative builds and new home investors.
- 1–4 unit residential construction
- Staged draws available
- Fast closing with experienced underwriting
Houston Asset-Based Hard Money Loans
Loans secured by property assets for investors needing flexible financing without heavy income documentation. Houston’s diverse investment properties make asset-based loans particularly useful for multi-unit and commercial deals.
- Fast Closings
- Flexible Loan-to-Value
- Ideal for Experienced Investors
Houston Commercial Hard Money Loans
Financing for commercial real estate investors across Houston with fast funding and competitive terms. Houston’s commercial market benefits from strong retail and industrial growth.
- 1–50+ Unit Properties
- Flexible Terms & Rates
- Quick Closing Process
Frequently Asked Questions – Houston
How quickly can a hard money loan close in Houston?
Most Houston hard money loans can close in 7–10 days once property details, budget, and title work are complete. Learn more about Texas hard money loans.
What types of investors use hard money loans in Houston?
We work with fix & flip investors, rental property owners, builders, and commercial investors who need fast closings or flexible underwriting. Check fix & flip loans and spec construction loans.
When is a hard money loan not a good fit in Houston?
Hard money loans are not intended for owner-occupied primary residences or long-term financing without a defined exit strategy. They are best for investors seeking DSCR rental loans or asset-based financing.
Our Houston hard money lending programs serve investors across the city and surrounding areas. Explore multi-state investment options through Texas hard money loans or neighboring states including Tennessee, Mississippi, Arkansas, and Missouri.
Ready to Fund Your Houston Investment Property?
We fund fix & flip, rental, construction, and commercial real estate deals throughout Houston.
For equity-heavy properties, 50% LTV asset-based financing is available.