Hard Money Loans in Austin, TX
Find lenders offering hard money loans in the Austin, including Round Rock, Cedar Park, Georgetown, and surrounding areas. Compare rates, terms, and programs from 15 lenders.
Hard Money Lenders Serving Austin
15 lenders offering hard money loans in the Austin, TX area.
Easy Street Capital
LocalAustin, TX
Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.
Park Place Finance
LocalTX
Direct private lender with 17+ years experience. $1B+ in loans closed. Bridge loans for fix-and-flip, refinance, and cash-out.
Residential Capital Partners
LocalTX
Hard money lender offering up to 85% LTV with no down payment option. Rates starting at 8.5%. Mixed-use, single-family, and multifamily.
Tidal Loans
LocalHouston, TX
Texas-based private money lender. Hard money, bridge, and DSCR rental loans for real estate investors nationwide.
Anchor Loans
Thousand Oaks, CA
One of the largest hard money lenders in the US. Fix-and-flip, bridge, and rental loans. Fast closings with competitive terms for experienced investors.
Broadmark Realty Capital
Seattle, WA
Private real estate lender offering bridge, construction, and land loans. Now part of Ready Capital. Loans from $500K to $25M+.
Civic Financial Services
Redondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
Constitution Lending
NJ
Hard money lender focused on new investors. Fix-and-flip and bridge loans with 9.5-12% rates. No experience required. Up to 90% LTV for renovation.
Groundfloor
Atlanta, GA
Real estate lending platform offering fix-and-flip and bridge loans. Crowdfunding model provides competitive rates for borrowers.
Lending One
Boca Raton, FL
National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.
New Silver Lending
FL
Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.
RCN Capital
South Windsor, CT
Nationwide private lender for fix-and-flip, bridge, and rental loans. Fast closings and flexible terms.
Stbridge Capital
Los Angeles, CA
Private money lender in California. Bridge, fix-and-flip, and ground-up construction loans. Fast closings for experienced investors.
Aloha Capital
HI
Private lender offering DSCR rental loans with up to 80% cash-out refinance. Also provides bridge and fix-and-flip financing for investment properties.
Temple View Capital
UT
Private lender offering DSCR rental loans, bridge financing, and fix-and-flip loans for real estate investors. Fast closings with flexible qualification criteria.
Austin Commercial Real Estate Market
Austin's CRE market has experienced extraordinary growth driven by a technology sector boom that has attracted Tesla's Gigafactory, Samsung's semiconductor expansion, Apple's $1 billion campus in Northwest Austin, and Google and Meta offices downtown. The Domain and Domain Northside in North Austin have become the metro's second downtown, with millions of square feet of office, retail, and multifamily space catering to tech-sector tenants. South Congress (SoCo) and East Austin have been transformed from gritty residential neighborhoods into high-demand creative office, retail, and hospitality submarkets. The southeastern corridor toward Del Valle, anchored by Tesla's Giga Texas and Austin-Bergstrom International Airport, represents the newest industrial and manufacturing growth frontier, while the Round Rock-Georgetown corridor along I-35 is absorbing massive suburban commercial development.
Key Economic Drivers
- ●Tesla Giga Texas manufacturing facility in southeastern Travis County producing Cybertrucks and Model Ys
- ●Samsung Austin Semiconductor's expanded chip fabrication facility in Taylor, Texas
- ●Apple's $1 billion Northwest Austin campus and the Domain tech office corridor
- ●University of Texas at Austin, Dell Technologies, and the broader tech ecosystem along the MoPac and I-35 corridors
Market Insight
Austin's office market experienced rapid rent escalation and then significant adjustment as tech sector layoffs and return-to-office uncertainty increased sublease availability — borrowers should pay close attention to sublet overhang, particularly in the CBD and Domain submarkets.
Hard Money Loans in Austin, Texas
Hard money loans are short-term, asset-based loans primarily secured by real estate. Funded by private investors or companies rather than banks, they prioritize the property's value over the borrower's creditworthiness. Ideal for fix-and-flip, distressed properties, and deals that need to close fast. In the Austin metro area, borrowers can access 15 lenders offering Hard Money financing, including Round Rock, Cedar Park, Georgetown, and surrounding areas. Loan amounts typically range from $50K to $10M with rates from 10% - 15%.
Who Should Consider Hard Money Loans?
- Fix-and-flip investors
- Distressed property acquisitions
- Borrowers with credit issues
- Deals requiring immediate close
Key Requirements
- Property as collateral (LTV 60-75%)
- Exit strategy
- Down payment or equity
- Property appraisal
Advantages
- ✓Fastest closing (days, not weeks)
- ✓Credit score less important
- ✓Flexible terms
- ✓Finance distressed properties
Considerations
- •Highest interest rates
- •Short terms
- •High origination fees (2-5 points)
- •Requires strong exit strategy
Hard Money Loans in Other Texas Cities
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