Texas Hard Money Lenders
Texas Hard Money Lenders
Looking for a Texas hard money lender? We are the top private lender for hard money in the state of Texas. We lend statewide for all real estate projects, whether you’re looking to buy a property, rehab a property, or refinance your current loan.
Top Lenders in Texas
FlipCo Financial is a top lender in the state of Texas. We specialize in hard money loans for investors who need funding fast. Our team of dedicated account managers are passionate about helping our investors achieve project success. Our company is unique in the fact that all our account managers are real estate investors themselves, so we know hard money inside and out. Our team is here to make sure that all our investors get the most out of their hard money loans. We love seeing our clients’ projects succeed.
Our company is based in Houston, Texas however we lend all across the state.
Locations We Lend
- Houston
- San Antonio
- Dallas
- Fort Worth
- Austin
If you are in a location outside of these major cities, still contact us. We are happy to work with investors all across the state and nationwide.
Fast Hard Money When You Need It
When you need fast hard money, turn to the experts at our Texas hard money lender. We provide quality hard money loans in just 72 hours, so you can get the funding you need to get your project moving. As experienced real estate investors, we understand that time is of the essence when it comes to hard money loans. We take great pride in having our own private lenders so that we can finance quickly.
We Offer a Variety of Loans
No matter what your needs are, our Texas hard money lender can offer a loan that fits. We offer a variety of loans, including fix and flip loans, bridge loans, and Rehab & Construction loans. We can also work with you to refinance your current loan. Our process is easy and simple and requires little paperwork with usually no credit checks. Our account managers will work with you to ensure you have the right type of loan for your project.
We're Here to Help
At our Texas hard money lender, we’re here to help you get the funding you need for your next real estate project. We have over 10 years of experience in the lending industry, and we’re dedicated to providing quality service and support. Contact us today to learn more about our services! We offer online quotes and will answer any question you have.
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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