Introduction
Private investors prepared to finance real estate ventures are known as hard money lenders.
They provide high-interest, short-term loans, but they’re frequently your best choice if you need money immediately or if banks won’t give you a loan.
You may build and expand your real estate firm in Texas by obtaining the purchasing power you need from hard money lenders.
Texas is home to a wide range of hard money lenders. Texas hard money lenders often lend 70–75 percent of the deal’s value.
The typical loan given to borrowers is for about $300,000. Hard money loans often have interest rates of roughly 12.5%.
Best Hard Money Lenders In Texas

1. Little City Investments
In Austin, Houston, and San Antonio, Little City Investments offers quick, easy hard money loans for residential and commercial real estate.
Because their loans are largely focused on property value rather than your credit worthiness, they are viable alternatives to bank financing.
They frequently waive the need for appraisals, and they’ve done away with red tape and unexpected costs so you can focus on what matters— succeeding in Texas real estate. Use Little City to get a loan; they are direct lenders, not brokers.
Little City Investments fill the loan voids left by banks. On loans with a loan-to-value ratio of 75% or less secured by Texas real estate, their investors passively earn 9% to 12%.
To connect busy investors with well-secured real estate investments, they offer the trustworthy research and loan servicing they require.
2. Cityscape Finance LLC
In 17 states, Cityscape Finance LLC, a direct private lender, provides effective financing to real estate investors.
Cityscape Finance LLC has enough funds to use after funding more than 500 loans. To shorten turn times, they’ve developed a cutting-edge digital platform that allows you to get pre-qualification and quick pricing.
Up to 90% financing, immediate pricing, logical underwriting, speedy closing, fix and flip, purchase, rate-term refinancing, and cash-out loans are all accessible.
They have loans based on the cash flow of your property, not your income. SFR, detached PUD, multifamily rentals with 2-4 and 5+ units. 7.5% as low as rates.
Builders with projects ready for the shovel may receive funding. Single-family, multifamily, and multi-unit projects are built from the ground up. Real-time pricing engine created to produce Pre-qualification letters instantly.
They ensure they provide conditions that help investors and brokers get the most out of the deal through their portfolio lending.
3. House Max Funding
One of the hard money lenders in America with the quickest growth is called HouseMax. The team has over 50 years of combined real estate sales and investing expertise and over 25 years of loan experience.
They have backed more than 1,250 agreements and sold over 3,000 homes. The HouseMax staff takes a very hands-on approach and appreciates and likes spending time with borrowers.
HouseMax has managed almost all aspects of the real estate business. They are dedicated to providing excellent customer service and supporting you through.
You may be confident that HouseMax will put a qualified and helpful staff to work for you. With the aid of cutting-edge technology and specialist knowledge, they want to build a financing program that is tailored just for you.
4. Rehab Financial Group
In 38 states, Rehab Financial Group, LP provides secured first-lien loans to real estate investors in need of funding for the management, purchase, operation, renovation, ownership, and sale of non-owner-occupied properties.
They concentrate on 100% financing and provide loans to cover 100% of the purchase and 100% of the renovation expenditures.
Rehab Financial Group also provides DSCR Long-Term Rental Loans to refinance after the renovation. 620 FICO score; if less, a co-borrower or guarantor is required.
There is no catch. However, they are concerned with your income and credit. Tax returns are needed to verify that the borrower has the resources to pay the interest on the loan and the ability to cover any cost overruns.
By doing this, the likelihood of default and foreclosure is reduced. But, again, this is because they want to be someone other than the owners of the client’s properties but want them to flourish.
Select Wisely
You may look for a lender in your neighborhood after knowing what hard money lending is. Hard money lending specialists are widely available in Texas.
Concentrate on the best value, including competitive price, knowledge, proficiency, integrity, and reputation. Both parties will succeed if honesty and transparency are insisted upon.
The flexibility to deal with a local lender and quick approval and cash are two things to look for when choosing a hard money lender. These lenders focus on more difficult and unconventional loans, which institutional lenders need help to execute. So your hard money queries will be eagerly addressed