Texas
Hard Money Lender in Texas
Fix and flip, bridge, DSCR rental, multifamily and construction loans for investors across Texas, from a private lender that underwrites the deal rather than your tax returns.
Lending in Texas
Hard money, bridge and DSCR loans across Texas
Texas is one of the busiest investor markets in the country, and its deals move at Texas speed. Houston and Dallas-Fort Worth add tens of thousands of residents a year, Austin and San Antonio keep growing into each other along I-35, and all four metros have older neighborhoods full of houses that need work next to suburbs full of new construction. United Funding funds all of it: fix and flip loans, bridge loans, DSCR rental loans, multifamily loans and ground-up construction loans, anywhere in the state.
Two things about Texas shape how we look at a deal. First, there's no state income tax, which is part of why investors from other states buy here, but property taxes are among the highest in the country. On a rental, the tax bill is part of the monthly payment the rent has to cover, so we look at it early rather than at closing. Second, the market rewards speed. A seller choosing between offers in Fort Worth or Katy will often take the one that can close in days, and our bridge loans can close in as little as seven business days.
We review files in as little as 24 to 48 hours, and a loan officer confirms the loan amount with you on a short call. We lend across the US, so a Texas investor buying in another state can keep working with the same team.
Coverage
Where we lend in Texas
Houston
Harris, Fort Bend and Montgomery counties: flips in established neighborhoods inside the Loop and the Beltway, rentals and new builds in Katy, Cypress, Pearland and The Woodlands.
Dallas-Fort Worth
Dallas, Fort Worth, Arlington and the northern suburbs of Plano, Frisco and McKinney: renovation projects in older housing stock, DSCR rentals, and ground-up construction on infill lots.
Austin and San Antonio
Austin, Round Rock, San Marcos, New Braunfels and San Antonio: a fast-growing corridor with new-construction demand, small multifamily, and short-term rentals near the Hill Country.
What Texas investors use us for
- Buying and renovating houses in older Houston and Dallas neighborhoods to sell, with a fix and flip loan that covers up to 100% of the rehab.
- Holding single-family and 2 to 4 unit rentals on a DSCR loan, sized so the rent covers the payment including Texas property taxes.
- Building new homes on infill lots or in growing suburbs with a ground-up construction loan.
- Bridging a fast purchase or a courthouse-steps auction, which in Texas run on the first Tuesday of each month, with a bridge loan that closes in days.
- Buying or repositioning small apartment buildings and mixed-use properties before long-term financing.
Our private money loan options
Financing for every stage of the deal
Programs for buying, bridging, renovating, building and holding, each underwritten on the property rather than your tax returns.
FAQ
Lending in Texas: questions
A file is reviewed in as little as 24 to 48 hours, and a bridge loan can close in as little as seven business days. Texas title companies move quickly, so the appraisal is usually the longest step.
The tax bill is part of the monthly payment that the rent has to cover, so a high tax rate can be the difference between a rental that works and one that doesn't. Run the numbers with the real tax figure before you make an offer.
Yes. The four big metros are where most of our Texas deals are, but we lend across the state, and across the US.
Investment property of every type: single-family homes, condos, 2 to 4 unit properties, apartment buildings, mixed-use buildings and new construction. We don't lend on a home you live in.
Yes to both. We lend to LLCs as well as to individual investors, and we answer 24 hours a day, seven days a week, including weekends and holidays.
Ready to fund your next deal?
Tell us about the property and we will come back to you with options — usually within 24 to 48 hours.