Houston, Texas
Hard money lenders in Houston, TX
Fix and flip, DSCR rental, new construction and bridge loans for real estate investors in Houston, TX, from a direct private lender. Term sheet in about 2 hours on average; most loans close in 5–10 business days.
Loan programs
What we lend on in Houston, TX
Business-purpose loans for real estate investors only. Close in your LLC or other entity.
| Program | Rates | Leverage | Term |
|---|---|---|---|
| Fix & flip | From 8.75% | Up to 90% of cost | 12–24 months |
| DSCR rental | From 6.75% | Up to 80% LTV | 30-year fixed |
| New construction | From 8.75% | 85–90% of cost | 12–24 months |
| Multifamily | From 8.0% | Up to 75% LTV | 1–10 years |
Terms are subject to underwriting, appraisal, title, and insurance.
Recent closes
Deals we have closed in Houston
- We recently closed a DSCR cash-out refinance in Houston, TX in 10 days; the borrower netted over $250k and used it to buy two more investment properties.
Market snapshot
The Houston, TX investor market at a glance
Public market data, each figure linked to its source. It describes the market, not our loan terms.
| Measure | Figure | Source |
|---|---|---|
| Median sale price, Houston, TX metro (Zillow, all homes, raw) | $325,000 (Aug 2025: $339,000) | files.zillowstatic.com, 2026-08-31 |
| Typical home value, Houston city (Zillow ZHVI, mid-tier) | $259,465 (-2.1% year over year) | files.zillowstatic.com, 2026-09-30 |
| Typical rent, Houston city (Zillow ZORI, all rentals) | $1,544/mo (-0.1% year over year) | files.zillowstatic.com, 2026-09-30 |
| Median days to pending, Houston, TX metro (Zillow) | 45 days (Sep 2025: 45) | files.zillowstatic.com, 2026-09-30 |
| Effective property tax rate, Harris County (Tax Foundation, ACS 5-yr) | 1.50% (median home value $276,600, median tax bill $4,489) | taxfoundation.org, 2024 (ACS 2020-2024 5-yr; published 2026) |
| Houston metro population growth (Census Vintage 2025) | +126,720 residents, largest numeric gain of any U.S. metro (Jul 2024-Jul 2025) | census.gov, 2025-07-01 |
| ATTOM Q2 2026 typical flip profit margin, Houston metro | 3.7% (among lowest of metros over 1M) | attomdata.com, 2026-Q2 |
Data gathered 2026-11-04.
How it works
From application to funded
Send the deal
Property, price, rehab or build budget, and your track record. The application takes about five minutes.Get real terms
A written term sheet in about 2 hours on average.Close
Most loans close in 5–10 business days. Draws are typically funded within 1 business day.
Texas
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Questions
Investor loans in Houston, TX: common questions
Do you make hard money loans in Houston?
Yes. We make business-purpose loans to real estate investors in Houston and across 45 states: fix and flip, DSCR rental, new construction and bridge loans from $75K to $5M.
How fast can you close a loan in Houston?
Most loans close in 5–10 business days, depending on the appraisal, title and insurance. You get a written term sheet in about 2 hours on average.
Can I borrow in my LLC?
Yes. Most of our borrowers close in an LLC or other business entity, and we encourage it.
Do you lend to homebuyers or on a home I will live in?
No. We lend only to real estate investors on investment property, never on a primary residence.
Is Texas a judicial or non-judicial foreclosure state?
The usual process in Texas: non-judicial. It affects how long distressed and auction properties take to reach the market, so check timelines with a local title company or attorney.
Have a deal in Houston? Get a term sheet in about 2 hours on average.
Apply now