Hard money

Fix and flipBridge loansNew construction

Long money

DSCR 1 to 4 unitsDSCR 5 to 8 unitsAlt doc investor

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Hard moneyto long money.

We fund the flip and finance the hold. Close fast on hard money when the deal is on the table, then move into a long term DSCR loan once the property is yours to keep.

Apply for a loan See the programs

15 days average closeTexas investment propertyBusiness purpose loans

A program for each stage of the deal.

Hard money gets you into the property and through the work. Long money lets you keep it. Every program below is built for investors, never owner occupants.

ProgramLeverageTermBest for
Hard money
Fix and flipUp to 70% LTV and 100% LTC6 to 18 monthsPurchase and rehab of residential flips
Bridge loansUp to 70% LTV3 to 24 monthsTime sensitive purchases and transitional assets
New constructionUp to 75% LTC12 to 24 monthsGround up spec and custom builds with milestone draws
Long money
DSCR 1 to 4 unitsUp to 85% LTV, qualified on rent30 year fixed or ARMRental holds from single family to fourplex
DSCR 5 to 8 unitsUp to 75% LTV30 year fixed or ARMExperienced investors holding small multifamily
Alt doc investorUp to 85% LTV30 year fixed or ARMSelf employed investors whose returns understate income

Leverage shown is the program maximum. Final terms depend on credit, experience, property, and loan size. See loan terms

Most lenders fund the flip or finance the hold. We do both, so your file never starts over.

Speed when it matters

Term sheets within 24 hours and closings that respect your contract dates.

One relationship

The team that funds your acquisition already knows the property when you are ready to refinance.

Texas knowledge

We lend where we invest, and we underwrite Texas values, timelines, and contractors every day.

15

days average close

up to100%

of cost on fix and flip

up to85%

LTV on DSCR loans

up to$3M

on DSCR 1 to 4 and alt doc loans

How a loan moves.

No committee that has never walked a deal. A short application, a fast answer, and a document list limited to what approval actually needs.

  1. 1

    Send the scenario

    Property, budget, and exit. The online application takes about ten minutes.

  2. 2

    Receive a term sheet

    Within 24 hours you have numbers in hand and a person to talk them through.

  3. 3

    Underwrite and document

    A focused checklist, appraisal ordered early, and updates before you have to ask.

  4. 4

    Close and fund

    Funds are at title when your contract says they should be.

Know your DSCR before you call.

Debt service coverage is monthly rent divided by the full payment: principal, interest, taxes, insurance, and any association dues. Run your numbers and see where the property lands.

How our DSCR programs work

0.00DSCR

An estimate for planning only. Not a quote, approval, or commitment to lend.

Recently funded.

A sample of closings across our Texas markets.

$375,000
Fix and flipSan Antonio, TX
Property
Single family
LTV
68%
Closed in
6 days
$1,100,000
Bridge loanAustin, TX
Property
Small multifamily
LTV
65%
Closed in
10 days
$620,000
DSCR 1 to 4 unitsSan Antonio, TX
Property
Fourplex
DSCR
1.24
LTV
75%

See all recent closings

For brokers

Bring us the borrower and keep the relationship. Fast term sheets, clear communication, and a lender that makes you look good.

Broker program

For capital partners

Place private capital behind first lien loans on Texas investment property, with direct visibility into where it works.

Partner with capital

Bring us the deal.

Apply today and have a term sheet in your hands within 24 hours.

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