Private Lending in Texas

Residential investment financing across Texas’s major metropolitan areas. Bridge, DSCR, fix & flip, new construction, and build-to-rent programs.

Market Overview

Investing in Texas

Texas's real estate market spans extraordinary diversity: Dallas-Fort Worth ($380,000 median), Houston ($290,000), Austin ($520,000), and San Antonio ($260,000) offer distinct profiles. No state income tax, abundant land, and business-friendly policies attract national capital and population migration. New construction exceeds 200,000 annual permits.

For portfolio investors and developers, Texas combines unmatched scale with operational efficiency. The market's diversity enables portfolio balancing across appreciation and cash-flow strategies. Strong institutional capital and lender presence support sophisticated bridge and development financing.

Lending Areas

Texas Markets We Serve

We lend across Texas’s major metropolitan areas. If your project is in or near one of these markets, we want to hear about it.

Dallas-Fort Worth Houston Austin San Antonio El Paso

Loan Programs

Available in Texas

Every loan program we offer is available to qualified borrowers and properties in Texas.

Bridge Loans

Short-term capital for acquisitions, dispositions, or refinances. Close in as little as one week.

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DSCR Rental Loans

30-year fixed financing based on property cash flow. Ideal for scaling or holding a rental portfolio.

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Fix & Flip Loans

Acquisition and renovation capital for value-add residential projects.

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New Construction Loans

Capital for home builders to leverage their lot position and break ground on new residential projects.

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Build to Rent Loans

Financing for purpose-built rental communities and single-family rental developments.

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Key Data

Market Snapshot

Median Home Price

$340,000

Property Tax Rate

1.80%

Population Growth

1.9% annually

Annual Permits

~205,000 annually

Landlord Friendly

Yes

Top Yield Market

Houston

Strategies

What Works in Texas Right Now

Dallas-Fort Worth Suburban Scaling & New Construction

DFW's northern and southern suburbs attract young professionals and families. Acquire 8–15 properties in acquisition mode ($280K–$380K). DSCR refinance into long-term hold. Finance new construction for takeout. 4–5% yields with strong appreciation.

Houston Energy-Tied Portfolio & DSCR Optimization

Houston's energy employment and lower cost basis ($220K–$320K) support DSCR scaling. Acquire 6–12 properties. Cap rates of 5–6% with stable tenants. Limited appreciation but strong cash flow.

Austin Tech Boom & Bridge Financing

Austin's rapid growth and tech influx create appreciation opportunities. Bridge finance for acquisition and light value-add. 8–12 month hold through repositioning. Exit into refinance or appreciation capture.

Questions

Frequently Asked Questions

Why does Texas have no state income tax?

Texas has no state income tax, maximizing after-tax returns for investors. No tax on capital gains, dividends, or ordinary business income. Strong indirect tax through property tax (1.80% average).

What are Texas's property tax rates?

Texas property tax averages 1.80% of assessed value. While higher than some states, lack of income tax creates favorable overall tax environment. Property taxes vary by county and school district.

Are there landlord-friendly eviction laws?

Texas is landlord-friendly. Evictions require 3 days' notice and typically conclude within 2–3 weeks. No just-cause requirement. Deposits and entry fees are permissive.

What rental income can I expect in Texas?

DFW rentals range $1,200–$1,500/month on $280K–$380K properties. Houston supports $950–$1,200/month on $220K–$320K. Austin commands premium rents. Cap rates vary 4–6% by market and property type.

Other Markets

Also Lending In

Oklahoma Arkansas Louisiana New Mexico

Start Your Texas Investment

Our team has deep experience financing residential projects across Texas. Reach out to discuss your next deal.

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