Private Lenders Houston: Hard Money For Real Estate
Houston is one of the most vibrant real estate markets in the country. As a result, there is a great need for private lenders who can provide hard money loans to finance successful real estate projects.
FlipCo Financial is one of the premier private lenders in Houston. We have a proven track record of success in providing hard money loans to our clients. We offer competitive rates and terms, and we are committed to working with our clients to ensure that their real estate projects are successful.

Top Private Lenders Houston, Texas
FlipCo Financial is a top private lender in Houston. We have been in the business for years and have funded millions of dollars in real estate projects. Our team of experts are dedicated to helping you get the funding you need to make your real estate dreams a reality.
Types of Private Hard Money Loans
Private lenders in Houston can provide you with the hard money loan you need to complete your next real estate project.
Fix and Flip Loan
A fix and flip loan is a type of hard money loan that is used to finance the purchase and renovation of a property. These loans are typically used by investors who want to buy and renovate properties for resale. The terms of a fix and flip loan are typically shorter than those of a traditional mortgage, and the interest rates are higher. However, because the loans are backed by the property being purchased, they are typically easier to obtain than traditional loans.
Short-Term Bridge Loan
A short-term bridge loan is a type of hard money loan that is used to finance the purchase of a property that will be used as collateral for the loan. These loans are typically used by investors who want to purchase and renovate properties for resale, but do not have the time to wait for a traditional mortgage to be approved. The terms of a short-term bridge loan are typically shorter than those of a traditional mortgage, and the interest rates are higher. As with the last loan the interest rates can be lower by the purchase.
Refinance
If you are looking to refinance your current home, FlipCo Financial can help. We offer private refinancing loans that can help you get the money you need to cover your costs. Our loans are backed by the property being refinanced, so you can be sure that you are getting the best terms possible.
Transactional Funding
Transactional hard money is a type of financing that is used to fund the purchase and sale of assets. These loans are typically used by businesses that need to get cash quickly in order to complete a transaction. The terms of a transactional funding loan are typically shorter than those of a traditional loan, and the interest rates are higher.
Choose the right Private Lender in Houston
When you are looking for a private lender in Houston, it is important to choose one that is right for you. Here are a few things to keep in mind when making your decision:
Experience
It is important to choose a lender that has experience funding real estate projects. This way, you can be sure that they will have the knowledge and expertise to help you get the funding you need.
Rates and Terms
It is also important to compare the rates and terms offered by different lenders. This will help you find the best deal possible and ensure that you are getting the most value for your money.
Customer Service
Finally, it is important to choose a lender with excellent customer service. This way, you can be sure that you will receive the support you need throughout the loan process.
If you are looking for a private lender in Houston, contact FlipCo Financial today. We would be happy to discuss your financing needs and help you get the funding you need to make your project a success
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FAQ's
A hard money loan is a type of short-term financing secured by the property’s value rather than the borrower’s creditworthiness. FlipCo Financial specializes in hard money loans for real estate investors, offering quick access to capital for property purchases and rehab. These loans are ideal for fix-and-flip projects, BRRRR strategy investments, and other short-term needs.
As a true asset-based lender, FlipCo Financial focuses on the property’s potential rather than your credit score. We provide flexible terms, faster funding, and a borrower-friendly approach, removing common pain points like lengthy underwriting processes, excessive due diligence requirements, and excessive deal delays.
Loan amounts are based on the property’s projected After Repair Value (ARV). FlipCo will lend up to 75% ARV. We follow industry standard underwriting guidelines, ensuring comparable properties (comps) are similar in size, type, and location. Our approach helps investors maximize their projects’ potential while managing risk.
Yes! As a true asset-based lender, we prioritize the asset over the borrower’s credit. Because of this, we do not have a credit score minimum or require a credit check as part of the application process. Although credit does not impact funding qualification with FlipCo, it can impact a borrower’s ability to get long-term financing if the exit strategy is to hold the property as a rental.
Yes! While experience can strengthen your application, we work with first-time investors and provide guidance throughout the process. Budgets larger than $60,000 will require additional review if a first-time investor.
FlipCo’s streamlined process allows us to fund loans within a matter of days. We move as fast as you do! Once your application is complete and approved, we work quickly to ensure you can close your deal without delay.
To apply, you’ll need to complete a loan application, submit your project budget in the FlipCo format, property photos, and purchase contract. If you do not choose to finance your rehab with FlipCo, we will still need to see your proposed SOW to understand the final product for accurate valuation. Our team reviews this information to ensure the project aligns with our lending criteria. Upon Underwriting Approval, final due diligence documents include entity documents, EOI, and Proof of Funds.
Borrowers can easily submit property photos through FlipCo’s online application portal or via email to their assigned account manager. We require clear photos of the property’s exterior, interior, and any areas requiring repair or renovation to support the underwriting process.
For property inspections, FlipCo accepts formal inspection reports from licensed inspectors, appraisers, or contractors. In some cases, detailed walkthrough videos or virtual inspections may also be accepted, provided they meet our underwriting requirements. Our team will guide you on what’s needed for your specific loan application.
Apart from the subject property, FlipCo requires the borrowing entity be registered and operating within the US as well as in good standing. Borrowers must provide proof of current liquid funds to meet calculated Minimum Reserves; this requires providing most recent bank statement and screenshot of current bank balance within 10 business days of closing. No active or pending judgements, liens, foreclosures, or bankruptcies personally or associated with a business entity.
FlipCo lends on residential, single-family homes and multi-family units. Property types include single family residence, duplex, triplex, quad. The property must be for investment purposes and cannot be owner-occupied and/or the borrower’s primary residence. Manufactured homes and shared wall units such as townhouses and condos are excluded.
FlipCo lends in several states and recently expanded to Ohio cities. Our states include Arkansas, Florida, Georgia, Indiana, Kansas, Missouri, North Carolina, Ohio, South Carolina, Tennessee, Texas, and Virginia. Check our website for a detailed list of states where we operate.
FlipCo can lend up to $1,000,000 per unit. FlipCo does not have a loan minimum. We do have an origination minimum of $2,500.
How does FlipCo handle draw requests for rehab projects?
FlipCo issues reimbursements through draw requests once work is completed and paid. While there’s no required timeline for draw submissions, we encourage borrowers to submit within the first 30 days to keep their projects on track. To make a draw request, visit: FlipCo Rehab Draw Request – FlipCo Financial
Absolutely! FlipCo provides guidance to make the transition seamless with our in-house DSCR specialists!
FlipCo will only charge interest of funds drawn, not total committed. Your FlipCo quote will provide estimates on your minimum and maximum fully drawn interest payment for your review in assessing your potential carrying costs.
FlipCo offers short-term financing for 3- and 6-month terms. Extensions are available. Additional fees may apply.