Direct Private Lender • Houston, TX
Fix & Flip Loans in Houston, TX
Close your next Houston investment deal with fast, flexible fix and flip financing from a direct private lender in Texas. No broker delays. No endless underwriting. Just speed, leverage, and certainty to close.
- Close in as little as 10–14 days
- Up to 90% LTC / 75% ARV
- Rehab funding included in the loan
- Direct hard money lender in Houston, TX
Looking for other real estate investment loans in Texas? Explore all loan programs.
Fast Fix & Flip Funding
Submit a quick snapshot of your Houston deal and get terms in 24–48 hours.
No obligation. This is a soft check to understand your project & timeline.
What Is a Fix & Flip Loan?
A fix & flip loan is a short-term real estate investment loan used by investors to purchase, renovate, and resell a property for profit. Unlike traditional bank financing, these loans are built around the after-repair value (ARV) of the property, not just its current condition.
- Short-term financing (typically 12–24 months) for purchase and rehab
- Based on the property’s ARV, not just purchase price
- Designed specifically for real estate investors and fix & flip operators
- Often funds both acquisition and construction/renovation costs
- Prioritizes the deal’s strength and exit plan over traditional income documentation
As a hard money lender in Houston, TX, we underwrite your fix & flip deals based on the asset, ARV, and your execution plan—so you can move quickly in competitive Texas markets.
At a glance
- Use: Purchase + rehab + resale
- Property: Investment 1–4 units & small multifamily
- Location: Houston & across Texas
- Borrowers: Active real estate investors
Built for Investors
Fix & flip investors in Houston don’t have time for bank committees and slow approvals. Our lending model is built for speed, leverage, and repeat closings.
Fast approvals
As a direct private lender in Houston, we make decisions in-house—often issuing terms within 24–48 hours so you can lock up deals before competitors.
Flexible structuring
We understand that every Houston property, borrower, and exit is different. We structure fix & flip loans around the deal—LTC, rehab draws, and ARV—so good projects get funded.
Investor-focused underwriting
We’re real estate people first. We underwrite based on asset quality, ARV, and your track record—not just a credit score—so serious investors can scale their Houston portfolios.
Loan Terms
Clear, investor-friendly terms for fix and flip loans in Houston and across Texas. Exact pricing depends on deal strength, experience, and leverage.
Loan Amount
$50K – $3.5M
Ideal for single-family, townhomes & small multifamily.
Leverage
Up to 90% LTC
Up to 75% of ARV, subject to deal strength.
Term
12–24 months
Extension options available on strong projects.
- Interest Rate: Competitive, deal-driven pricing
- Points: Typically 2–4 depending on leverage & experience
- LTC: Up to 90% of total project costs
- ARV: Up to 75% of after-repair value
- Rehab Funding: Built into draws as work is completed
Exact terms are tailored to your project. Submit your Houston fix & flip deal for a written quote.
Simple Process
Designed so Houston investors can move from offer to closing without friction.
- Step 1 — Submit your deal: Share address, purchase price, rehab budget, and ARV.
- Step 2 — Receive terms: Get a written quote within 24–48 hours from a direct lender.
- Step 3 — Close quickly: We coordinate appraisal, title, and docs so you can close in as little as 10–14 days.
Start with your next Houston deal
We specialize in fix and flip loans Houston investors use to move fast on distressed or underpriced properties.
Structured for Approval
Great deals shouldn’t die in underwriting. Our edge as a hard money lender in Houston, TX is how we structure loans to get solid projects approved.
- ARV-based lending: We underwrite heavily to the after-repair value in Houston submarkets.
- Collateral-backed deals: Strong collateral and clear exit strategy matter more than perfect paperwork.
- Creative structuring: We adjust leverage, draws, and terms so viable projects can move forward.
We don’t decline deals — we structure them to close. If the numbers work, we’ll work with you to get the loan across the finish line.
Deal types we like
- Undervalued or distressed single-family in Houston neighborhoods
- Light to heavy rehabs with clear, documented scopes
- Repeat investor projects with proven exit history
- Value-add small multifamily and townhome flips
Who This Is For
Our fix and flip financing in Texas is built for active investors who treat real estate like a business.
Real estate investors
Full-time or serious part-time investors actively buying and renovating properties in Houston.
Fix & flip operators
Operators running multiple projects a year who need a reliable, repeat lending relationship.
Experienced buyers
Borrowers with some prior real estate, construction, or project management experience.
Scaling investors
Investors who want a long-term lending partner for multiple Houston and Texas projects.
Fix & Flip Loans in Houston, TX
We are a Houston-focused hard money lender providing local, relationship-based capital to investors across the metro and throughout Texas.
- Houston market focus: Deep familiarity with in-city neighborhoods and surrounding suburbs.
- Texas-wide lending: We fund strong fix & flip deals across major Texas markets.
- Local expertise: Understands Houston ARVs, rehab costs, and investor timelines.
- Direct conversations: Talk directly with the decision maker on your loan.
Your Houston private lender partner
Whether you’re flipping in the Heights, Third Ward, Katy, or Pearland, we understand local comps and exit values and can move with the urgency Houston investors need.
Recent Funded Deals
A snapshot of how investors use our fix and flip loans Houston to acquire, renovate, and exit profitably.
3-bed single-family | East Houston
Investor purchased a distressed single-family home off-market, executed a full cosmetic rehab, and exited retail within six months.
- Loan Amount: $265,000
- Timeline: 6-month project, 30-day sale
- Leverage: 88% LTC, 72% ARV
- Outcome: Investor netted a strong six-figure profit and rolled into the next Houston flip.
See more examples of how investors structure their projects, manage rehab draws, and exit profitably with a direct private lender in Houston behind them.
Get Your Deal Funded
Work with a direct lender who understands your deal, your market, and your exit strategy. Share a few details and we’ll respond quickly with next steps.
- Submit your Houston fix & flip or Texas investment deal
- Get clear terms and structure within 24–48 hours
- Know exactly what you can offer on your next property
Prefer to see more? Visit our Loan Programs or review Case Studies before submitting.
Fix & Flip Loan FAQs
Answers to common questions Houston investors ask about our fix and flip loans and real estate investment financing in Texas.
What credit score is required?
We are primarily asset-based. For most Houston fix & flip loans, we look for a credit profile that supports responsible borrowing, but a perfect score is not required. Strong collateral, realistic ARV, and a clear exit can offset minor credit issues.
How fast can I close?
On clean deals with responsive borrowers, we can close in as little as 10–14 days. Timing depends on appraisal, title, and how quickly we receive required documents, but we move much faster than traditional banks.
Do you fund rehab costs?
Yes. Our fix and flip financing in Texas can include both acquisition and rehab costs. Rehab funds are typically released in draws as work is completed and verified.
What types of properties qualify?
We typically finance non-owner-occupied 1–4 unit residential properties and select small multifamily or townhome projects. The property must be an investment asset with a clear fix & flip or BRRRR strategy.
Are you a direct hard money lender in Houston, TX?
Yes. We are a direct hard money lender in Houston, TX—not a broker. You work directly with the decision maker, which speeds up approvals and closings.
Loan Programs
Explore all real estate investment loans in Texas including fix & flip, rental, and bridge options.
Case Studies
Review real investor projects funded by our Houston private lending platform.
Deal Submission
Ready now? Go directly to our Deal Submission page and get your fix & flip loan started.