Get the Funding You Need with Texas Hard Money Loans from FlipCo Financial​

The Best Hard Money Lender in Texas

If you’re a real estate investor in Texas, you know how important it is to have a reliable hard money lender on your side. That’s where FlipCo Financial comes in. As the best hard money lender in Texas, we have a track record of providing solutions that meet the unique needs of our clients. Whether you’re looking for fix-and-flip financing, bridge loans, or rental property loans, we have the expertise and resources to help you succeed. With our quick underwriting process and flexible loan terms, you can count on us to get you the funds you need, when you need them. So why wait? Contact FlipCo Financial today and discover why we’re the best hard money lender in Texas.

Fast and Reliable Funding

At FlipCo Financial, we understand that when it comes to real estate investing, time is of the essence. That’s why we offer fast and reliable funding with our Texas Hard Money Loans. Our team of experienced professionals will work with you to get the funding you need quickly and efficiently, so you can get started on your real estate investment project right away.

Competitive Rates and Terms

We offer competitive rates and terms on our Texas Hard Money Loans, so you can get the best deal for your investment. Our team of experts will work with you to find the best loan terms and rates for your project, so you can get the most out of your investment and rates for your project, no matter where you are located. We are committed to helping you get the funding you need to make your real estate investment project a success.

How to get a fix and flip loan

Types of Hard Money Loans

When it comes to real estate investments, sometimes traditional financing options just don’t cut it. That’s where FlipCo Financial comes in as a Texas hard money lender, offering a range of hard money loan options to fit your needs. Whether you’re looking to fix and flip a property, bridge a gap between loans, refinance an existing property, or need a quick transactional loan, FlipCo has got you covered. With fast approval times and flexible terms, these hard money loans provide a valuable tool for investors looking to take advantage of opportunities in the real estate market

Serving All Major Cities and Surrounding Areas

At FlipCo Financial, we serve all major cities and surrounding areas in Texas for real estate investing. Our team of experienced professionals will work with you to find the best loan terms for your investment and work with you all along the way to ensure project success. Contact our team today for a free quote on your hard money loan.

What Clients Say About Us!

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.

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