Quick Note on Texas Hard Money and Rehab Terms

save for quick reference for Hard Money Loans – Texas

  1. STEPS:
    1. Apply (online or download the hard money application)
    2. We send approval letter so you can make offers on your investment property.
    3. Once you have a contract, we review property with you and schedule appraisal or site visit.
    4. We issue loan terms  for closing.
    5. Generally our side is ready to close in 10 days (as fast as 3 days if needed)


Cashout Loans  – UP TO 70% LTV Purchase & Rehab loans– UP TO 70% ARV OR 80-90% OF Purchase Price  (the better your deal, the higher the LTV on purchase Hard Money in Texas  (in Texas 1st and 2nd markets) Cross Collateralize other property –  (NO OUT OF POCKET POSSIBLE)

Hard Money for Short sale, inherited properties, property taxes , more

EVEN LONGER TERM TO 30 YEARS POSSIBLE (soft money from 9.5- 10.5) rental property loans


Geographic Area: Texas (austin,dallas,san antonio,houston) and the surrounding suburbs. Others considered

Texas (austin,dallas,san antonio,houston) and the surrounding suburbs. Others considered.

Dallas- Fort Worth (North Texas Area) Central Texas ( Waco,Belton,Temple) Austin – San Antonio (South Central including Surrounding areas , like Roundrock, Cedar Park, Lakeway, Dripping Springs, to Boerne, San Marcus, Kyle

South Texas (Harlingen,McAllen, Cameron and Hidalgo Counties , South Padre area and more


Property Type: Residential (non-owner occupied),( 1- 4 unit)

owner occupied available with 25% down and 600+ credit.

Commercial (see commercial hard money site)

Loan Size: $35,000 Minimum-No Lending Limit/Cap (may go lower , will not loan on property worth less than 90k ARV
Loan Term: 1 year – 3 years for hard money -bridge

10 -30 years for our proprietary rental property loans

Interest Rate: Interest Only-Varying depending upon LTV, Credit, Term, Etc.

from 9.5 %

7% specials on hard money

Loan Origination Fee: 2.5 – 5 Points (pending ltv, loan size and complexity)
Loan to Value: Up to 75% on residential rehab.

(varies by property and location)

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