How much will you lend on a Texas fix and flip?

Up to 100% of the purchase price and up to 100% of the rehab budget, subject to an after-repair value cap.

Can I use your financing at a Texas foreclosure auction?

Yes. Getting pre-approved before the sale puts financing in place so you can bid with confidence.

How fast can you close in Texas?

Most loans close in 5 to 10 business days once title and valuation are complete.

Is there a prepayment penalty?

No. Our fix and flip loans carry no prepayment penalty.

Do you lend on homestead or owner-occupied property?

No. We only finance non-owner-occupied investment property.

What if I want to keep the property as a rental?

Refinance into our 30-year DSCR rental loan once the property is renovated and leased.

Do I need perfect credit?

No. We consider the reasons behind any credit challenges, though recent bankruptcies, foreclosures or judgments may affect approval.

Texas Fix & Flip FinancingHard Money

Hard Money Lenders in Texas

Texas metros keep growing, and the best renovation deals go to investors who can close like a cash buyer. Our Texas hard money loans fund the purchase and the rehab so you can move first.

Get Funded in TX Call 1-800-674-3804

Hover or tap a pin to explore markets

100%

LTC on purchase + rehab

Same Day

Approvals

5–10

Business days to close

Metros featured

Local Markets

Texas Renovation Markets

Where Texas flippers are finding value-add inventory.

Dallas–Fort Worth

Older ranch homes inside established neighborhoods ripe for full renovations.

Oak Cliff
Garland
Arlington
Fort Worth Southside

Greater Houston

Infill teardowns and post-storm repairs across a sprawling metro.

Spring Branch
Near Northside
Pasadena
Katy

Austin

Higher price points with cosmetic and structural flips in older central neighborhoods.

East Austin
Round Rock
Pflugerville
Del Valle

San Antonio

Historic-district renovations and affordable starter-home flips.

Southtown
Dignowski Hill
New Braunfels
Converse

El Paso

Lower entry prices for investors building volume.

Central El Paso
Northeast
Lower Valley

Corpus Christi & the Valley

Coastal and border markets with affordable acquisition costs.

Corpus Christi
McAllen
Brownsville

Available in Texas

Texas Fix & Flip Programs

Short-term capital for Texas renovations.

Hard Money Loans

Up to 100% of purchase and rehab, interest-only, with no prepayment penalty when the house sells.

ARV Loans

Let the after-repair value carry the loan on heavier Texas renovations.

Bridge Loans

Ground-up and multifamily projects with up to 90% loan-to-cost.

DSCR Loans

Keeping it? Refinance into a Texas DSCR loan once it's rented.

Local Insight

Flipping in Texas: What to Know

Texas uses a non-judicial foreclosure process under deeds of trust, so foreclosure inventory reaches the courthouse steps on the first Tuesday of the month. Having financing approved before the sale is how investors compete with cash.

Factor property taxes into your holding costs: Texas has no state income tax, but local property tax rates are among the higher ones in the country, and they add up over a six-month rehab.

General information only, not legal advice. Confirm local rules with your closing attorney or title company.

Foundation work

Expansive clay soils in parts of Texas make foundation inspections a smart early step.

Business-purpose only

Homestead protections apply to owner-occupied homes; we finance investment property only.

Statewide coverage

From the Panhandle to the Rio Grande Valley, we lend anywhere in Texas.

Your Route to Closing

How We Fund Texas Deals

1
Get pre-approved
Have financing ready before the auction or the next listing.
2
Lock up the house
Send the contract and a line-item scope of work.
3
Close fast
Close in 5 to 10 business days; pre-approved borrowers can move faster.
4
Renovate & sell
Draw rehab funds as work is done and pay off with no penalty.