Texas Lenders
A curated directory of hard money lenders, short-term bridge providers, and long-term rental DSCR lenders actively funding investment properties throughout Texas.
Local Lenders in Texas
Aligning with a hyper-local private lender gives you access to real estate partners with direct, street-level expertise across local Texas neighborhoods. These local providers prioritize relationship-driven capital and physical property walk-throughs over rigid algorithmic checklists, offering flexible asset parameters and situational underwriting when national valuation models fall short on unique local deals.
Small Local Lenders
Soviero Capital
Jupiter
Fix-and-Flip
Bridge
Soviero Capital is a leading local private lender specializing in fast, reliable fix-and-flip bridge loans and short-term bridge financing secured by residential and commercial properties across Florida, Georgia, and Texas.
Large Lenders with Headquarters in Texas
Easy Street Capital
Austin, Texas
Fix-and-Flip
New Construction
DSCR Rental
Bridge
Easy Street Capital is a nationwide private lender offering EasyFix (fix-and-flip up to 90% LTP), EasyRent (DSCR 30-year rental including vacation rentals), and EasyBuild (ground-up construction) - close in under 48 hours with no last-minute changes.
Longhorn Investments
Dallas, Texas
Fix-and-Flip
New Construction
Bridge
Longhorn Investments is a leading regional private lender specializing in fast, reliable fix-and-flip loans, short-term bridge financing, and new construction loans across 11 states in the South and Midwest.
Crebrid
Plano, Texas
Fix-and-Flip
New Construction
DSCR Rental
Bridge
Crebrid is a leading nationwide private lender specializing in fast, reliable fix-and-flip loans, short-term bridge financing, and new construction and DSCR rental lending backed by Barings institutional capital.
Specialized & Niche Regional Lenders
Specialized capital providers built for complex, non-standard deals where larger lenders won't go
*No specialized lenders in our Network
Why Choose a Local Lender?
Local hard money lenders in Texas lend their own money or manage local investor capital — which means faster decisions and fewer corporate committee delays.
A local balance-sheet lender knows the difference between a solid ARV in a fast-moving DFW or Houston submarket and a rural land-adjacent deal that national platforms will decline outright. That ground-level market knowledge translates directly to more flexible underwriting on non-standard deals and projects that don't fit inside a national loan box.
Where local lenders win:
- Draw inspections handled in 24 to 48 hours rather than 5 to 7 business days
- Willing to lend on properties national platforms decline — rural location, land-adjacent deals, or non-standard construction
- Relationship-driven underwriting — your track record matters more than an algorithm
- More negotiable on terms for repeat borrowers
National Lenders Serving Texas
Nationwide institutional lenders offer highly scalable balance sheets and predictable, programmatic pricing formulas for investment projects throughout Texas. Backed by institutional-tier liquidity, these lenders utilize tech-forward online portals and automated draw pipelines to deliver streamlined deal management for rapid portfolio expansion across the state.
Mid-Market Regional Lenders
Well-capitalized mid-market, regional lenders that balance competitive pricing with common-sense underwriting and faster decision-making.
8.99% to 12.99%
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11.00% to 11.99%
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Ternus
Charlotte, North Carolina
9.5%+
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Other Mid-Market Lenders
11.00% to 16.00%
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4.75% to 11.99%
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6.75% to 12.00%
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8.00% to 11.00%
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9% to 12.99%
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6.50% to 12.49%
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11.25% to 12.75%
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8.5%+
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9% to 15%
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6.25% to 13%
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Contact for Rates
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Nationwide Institutional Giants
The largest, most heavily capitalized lenders in the country, funding high volumes of deals with competitive rates and standardized loan programs.
9.5% to 12.0%
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Kiavi
Pittsburgh, Pennsylvania
6.62% to 12.45%
Why Choose a National Lender?
National platforms bring institutional capital depth, standardized loan structures, and online portals that let you close, manage draws, and scale without picking up the phone.
Technology-driven underwriting means faster initial approvals and clear loan parameters upfront. Experienced investors with a documented exit history typically unlock the most competitive rates and highest leverage available in the Texas market.
Where national lenders win:
- Most competitive interest rates driven by institutional capital depth
- Higher leverage available for experienced borrowers on qualifying projects
- Apply online and receive a term sheet the same day — no prior relationship required
- No active project caps — finance multiple flips simultaneously
