Hard Money Lender in
Direct hard money loans for Houston real estate investors: bridge loans that close like cash, fix and flip loans that fund the renovation, ground-up construction, and 30-year DSCR rental loans. Instant term sheet, close in 2 weeks.
Houston is the largest city in Texas and one of the largest investor markets in the country, with no zoning, a huge stock of postwar housing, and a rental market that keeps growing with the population.
Houston: the biggest inventory of renovation-grade houses in the state.
Cash-only listings in Houston cluster in the older neighborhoods inside and just outside the loop and in the first-ring suburbs: houses with foundation, roof or flood history that a conventional buyer cannot finance and an investor can fix. The fix and flip loan funds the purchase and the renovation together at 10% down with experience, pays the work in draws, and closes in 2 weeks. Larger renovations go to the desk by pre-screen.
Houston is a strong coverage market for the hold: rents are healthy against moderate purchase prices, and the DSCR loan generally carries a single-family rental or a small multifamily building. Insurance and property taxes are the two lines to price early. Bridge loans cover the fast purchase and the maturing-loan refinance, and every Houston listing in our book is priced with these programs at its list price.
Cash and hard money listings in Houston right now.
Listings whose remarks ask for cash or hard money, each priced with our financing at its list price. Browse Houston, Pasadena, Pearland, Sugar Land, Baytown, Katy, or every Texas opportunity. Sign in to see the street addresses and the pricing on each one.
No Houston listings are in the book at this moment. New ones land every day; see the Texas deals.
We are the lender, not the listing agent. Every listing belongs to its agent, credited on the listing page. Browsing is not a commitment to borrow from us.
Every stage of a Houston deal.
Buy like cash or refinance maturing debt on Houston investment property. 12 months, interest only. Bridge loans.
Purchase plus renovation in one loan, 10% down with experience, drawn as the work completes. Fix and flip loans.
Land and the build for builders with completed projects. Construction loans.
Term loans on the buildings a rental program will not take. Commercial lending in Texas.
Starting rates, points, down payment and score requirements, program by program. See the rates.
From a Houston address to the wire.
- Price it. Type the Houston deal into Price a Deal: address, price, renovation budget, your score and experience. The program, the rate and the maximum loan come back in a minute.
- Request the term sheet. It issues instantly, from our own sizing.
- Send the file. Contract, entity documents, insurance, budget or rent roll. The appraisal is ordered the same day.
- Close in 2 weeks. Title and escrow set the pace; the decision is already made.
Hard money in Houston, answered straight.
How fast can a hard money loan close in Houston?
Every Houston deal gets an instant term sheet and closes in 2 weeks. Decisions are made in-house, so title, escrow and the appraisal set the pace, not a committee.
What does a hard money loan cost in Houston?
Fix and flip and bridge loans start at 9.75% interest only with 1.5 points. The rates and requirements page lists every program; Price a Deal quotes your own Houston deal in a minute. Every figure is an indicative estimate, not a commitment to lend.
Do you lend on fix and flips in Houston?
Yes. Our fix and flip loan funds the purchase and the renovation together: 10% down with at least one completed project in three years, 20% on a first flip, the renovation paid in draws as the work completes.
Do you offer DSCR rental loans in Houston?
Yes. DSCR loans in Texas are 30-year fixed rental loans qualified on the rent, for a single property or a portfolio. Houston rents cover well; insurance and property taxes are the lines to price early.
Which Houston areas do you lend in?
Houston inside the loop and the near suburbs; Pasadena, Baytown and the east side; Pearland, Sugar Land and Missouri City; Katy, Cypress and Spring; Humble, Conroe and The Woodlands; Galveston and League City. We lend on investment and commercial property anywhere in Texas; see the Texas page.
Working a Houston Deal?
Price it in a minute. If the numbers work, the term sheet is instant and the close is 2 weeks out.