About
Longhorn Investments is a Dallas, Texas-based direct private lender serving active real estate investors across 11 states throughout the South, Midwest, and Southeast. The firm focuses exclusively on short-term residential investment loans including fix-and-flip, short-term bridge for BRRRR investors, and ground-up new construction on 1-4 unit properties.
Longhorn Investments is a recognized top-ranked fix-and-flip lender, named to the Scotsman Guide 2025 Top Private Lenders list. All loans are ARV-based and include funds for both acquisition and renovation. The company requires all appraisals to be ordered in-house through third-party appraisers, ensuring consistent property valuations across its active markets.
Longhorn Investments operates a tiered Loyalty Program that rewards repeat borrowers who have successfully closed and paid off 3 or more deals: qualifying borrowers access a 10.99% starting rate and 1.99% origination fee. The firm is an AAPL member and serves investors across major metro markets including Dallas, Houston, Austin, Kansas City, St. Louis, Nashville, Charlotte, Raleigh-Durham, Atlanta, Indianapolis, Birmingham, Huntsville, Albuquerque, Cincinnati, and Columbus.
Key Differentiators
Why investors choose this lender:
- Scotsman Guide 2025 Top Fix-and-Flip Lender - nationally recognized ranking for fix-and-flip production volume and performance; one of the few regional lenders to achieve top-tier national designation
- Longhorn Loyalty Program - rewards for repeat borrowers - investors who complete 3 or more deals access preferred rates starting at 10.99% and origination as low as 1.99%; designed to lock in volume from high-repeat clients
- 25+ active metro markets across 11 states - direct presence in Dallas, Houston, Austin, Kansas City, St. Louis, Nashville, Charlotte, Raleigh-Durham, Atlanta, Indianapolis, Birmingham, Albuquerque, Cincinnati, Columbus, and more; one of the broadest regional footprints in the South and Midwest
- ARV-based lending with in-house appraisal ordering - all appraisals are ordered by Longhorn exclusively through vetted third-party appraisers; eliminates appraisal shopping delays and ensures consistent valuations across all active markets
- 600 minimum FICO with transparent fee structure - accessible credit floor with a fully disclosed fee schedule; no hidden processing surprises at closing
Where They Lend
11 States
Residential investment properties only - SFR, 2-4 unit, townhomes. No condominiums or manufactured homes. Active markets include Dallas, Fort Worth, Houston, Austin, San Antonio, El Paso, St. Louis, Kansas City, Indianapolis, Charlotte, Greensboro, Winston-Salem, Raleigh-Durham, Nashville, Chattanooga, Knoxville, Huntsville, Birmingham, Montgomery, Atlanta, Columbus GA, Albuquerque, Las Cruces, Cincinnati, Columbus OH.
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Loan Types, Structures and Terms
10.99%+
Typical Interest Rates
Fix-and-flip: 70% ARV, 100% of cost max. Bridge (rental/BRRRR): 75% ARV, 100% of cost max (proof of refinance required). New construction: contact Longhorn for terms. All loans: 1st lien, ARV-based, SFR/2-4 unit/townhomes only. No condos or manufactured homes.
Longhorn Investments fix-and-flip loans fund up to 70% of ARV at rates starting at 10.99%, with 9-month terms and a 3-month extension option. 600 minimum FICO, $15,000 liquidity required, and ARV-based appraisals ordered by Longhorn.
| Fix & Flip Feature | Structure & Terms |
|---|
| Loan Term | 9 months | 3-month optional extension | Interest-only payments |
| Max Leverage | Up to 70% of ARV (excluding points and fees) | Not to exceed 100% of cost |
| Interest Rate | Starting at 10.99% (Longhorn Loyalty Program rate for borrowers with 3+ paid-off deals) |
| Origination Fee | As low as 1.99% (Longhorn Loyalty Program) | Depends on deal and location |
| Additional Fees | Appraisal: avg $600 | Document Review: $600 | Processing: $650 | Credit Review: $120 | Flood Certificate: $15 |
| Property Types | Single-family, 2-4 unit, townhomes. No condominiums or manufactured homes. |
| Min Credit Score | 600 Minimum Median FICO |
| Liquidity Required | $15,000 minimum in checking, savings, IRA, or 401(k) |
| Loyalty Program | Borrowers with 3+ successfully paid-off deals qualify for preferred 10.99% rate and 1.99% origination |
Longhorn Investments new construction loans fund ground-up residential projects on SFR and 2-4 unit properties across their active metro markets. ARV-based. Contact Longhorn directly for construction-specific terms and experience requirements.
| Construction Feature | Structure & Terms |
|---|
| Program Basis | ARV-based new construction loans for residential investment properties across Longhorn-served markets |
| Property Types | Single-family residences, 2-4 unit residential properties. No condominiums or manufactured homes. |
| Lien Position | 1st lien only |
| Markets Served | Texas, Missouri, Kansas, Arkansas, Tennessee, North Carolina, Georgia, Alabama, Indiana, Ohio, New Mexico |
| Terms | Contact Longhorn Investments directly for new construction loan terms and experience requirements at 1 (877) 420-7346 |
Longhorn Investments bridge loans for rental and BRRRR investors fund up to 75% of ARV with 100% of cost covered. 9-month term, 600 min FICO, $15,000 liquidity requirement, and ARV-based appraisals ordered in-house.
| Bridge Loan Feature | Structure & Terms |
|---|
| Product Purpose | Short-term bridge for BRRRR investors - fix-to-rent acquisition and rehab with a planned long-term rental refinance exit |
| Max Leverage | Up to 75% of ARV (excluding points and fees) | Not to exceed 100% of cost | Proof of refinance required |
| Loan Term | 9 months | 3-month optional extension | Interest-only payments |
| Interest Rate | Starting at 10.99% (Loyalty Program rate) | Interest-only |
| Property Types | Single-family, 2-4 unit, townhomes. No condominiums or manufactured homes. |
| Min Credit Score | 600 Minimum Median FICO |
Don't lose the deal waiting on financing. Apply now and get pre-approved today.
Borrower Qualifications (Are you qualified?)
Longhorn Investments qualifies borrowers at a 600 minimum median FICO with a $15,000 minimum liquidity requirement. No recent bankruptcies or foreclosures. All loans are ARV-based, 1st lien position, on non-owner-occupied residential investment properties within Longhorn-served metro markets.
| Qualification Parameter | Lender Requirements |
|---|
| Minimum Credit Score | 600 Minimum Median FICO. Based on median of all three credit bureau scores. |
| Liquidity Requirement | Minimum $15,000 in a checking, savings, IRA, or 401(k) account required. |
| Credit History | No recent bankruptcies or foreclosures. Subject to review by Longhorn Investments. |
| Property Requirements | Single-family, 2-4 unit, and townhomes only. No condominiums or manufactured homes. 1st lien position required. Must be in or near a Longhorn-served metro market. |
| Insurance Requirement | Minimum 9-month insurance policy paid in full at closing. Builder's risk policy preferred for rehabs over $20,000. Lender named as loss payee and additional insured. |
Underwriting Process (How long will it take to get approved?)
Longhorn Investments funds residential hard money loans based on the After Repaired Value (ARV) of the property. All appraisals are ordered by Longhorn through third-party appraisers. Loans include funds for both purchase and rehab. Minimum 600 FICO and $15,000 liquidity required.
| Stage / Requirement | Process & Timelines |
|---|
| Loan Basis | ARV-based underwriting. Loan amount is calculated against the After Repaired Value of the property, not just the purchase price. Includes funds for both acquisition and rehab. |
| Appraisal Process | All appraisals ordered by Longhorn through a vetted third-party appraiser. Borrowers cannot submit their own appraisal. Fee: avg $600. |
| Application Process | Apply online at longhorninvestments.com/loan-details/apply-now. Longhorn loan consultants are available at 1 (877) 420-7346 to assist with deal structuring. |
| Documentation | Credit review required (fee: $120). Insurance policy minimum 9 months, paid in full at closing. Title policy required. Longhorn-ordered appraisal. |
| Market Requirement | Properties must be located in or near a Longhorn-served suburban or major metropolitan market. Longhorn reserves the right to adjust advance rates based on deal, location, and property condition. |
Draw Process (How long will it take to get draws?)
Longhorn Investments' draw process is straightforward and investor-friendly. Funds are disbursed against completed rehab work. The Longhorn team coordinates the draw request, inspection, and wire process to keep active renovations on schedule throughout the 9-month loan term.
| Operational Step | Methodology & Timelines |
|---|
| Draw System | Reimbursement-based draw system. Investor completes rehab work and submits a draw request against the approved renovation budget. |
| Draw Request Submission | Submitted via the Longhorn Draw Request portal at longhorninvestments.com/draw-request. Dedicated team handles the review and disbursement process. |
| Loan Term | 9-month loan term with a 3-month optional extension available (extension fees may apply). Sufficient time to complete standard renovation projects. |
| Appraisal Basis | All appraisals are ARV-based and ordered exclusively by Longhorn Investments through a third-party appraiser. Borrowers cannot order their own appraisal. |
| Advance Rate Adjustments | Longhorn reserves the right to adjust advance rate requirements as deemed necessary based on deal, location, and property condition. |
