Hard Money Loans in Houston, TX
Find lenders offering hard money loans in the Houston, including Sugar Land, The Woodlands, Katy, and surrounding areas. Compare rates, terms, and programs from 15 lenders.
Which Hard Money lenders serve Houston?
15 lenders offering hard money loans in the Houston, 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.
What does the Houston commercial real estate market look like?
Houston is the energy capital of the world, with the upstream, midstream, and downstream oil and gas sector forming the backbone of the office and industrial CRE markets, though the city has significantly diversified into healthcare, life sciences, and aerospace. The Texas Medical Center — the world's largest medical complex with over 60 institutions — is a primary driver of medical office, lab, and hospitality demand in the Midtown and Med Center corridors. The Energy Corridor along I-10 West and the Westchase District are established office submarkets for energy companies, while the Port of Houston's industrial complex along the Ship Channel generates massive demand for petrochemical, refining, and logistics facilities. The Katy Freeway corridor and The Woodlands master-planned community are the metro's most active suburban growth nodes for mixed-use and corporate campus development.
Key Economic Drivers
- ●Texas Medical Center, the world's largest medical complex, anchoring healthcare and life sciences CRE demand
- ●Energy sector headquarters including ConocoPhillips, Phillips 66, Baker Hughes, and Halliburton
- ●Port of Houston, the nation's largest port by foreign waterborne tonnage, driving Ship Channel industrial development
- ●NASA Johnson Space Center and the Clear Lake aerospace corridor
Market Insight
Houston has no zoning ordinance, making it the largest U.S. city without traditional zoning — which provides developers greater flexibility in land use but requires careful due diligence on deed restrictions, municipal utility districts, and flood plain regulations.
How do hard money loans work in Houston, Texas?
Hard money loans are short-term, asset-based real estate loans used when speed and collateral matter more than full bank underwriting. They are common for fix-and-flip projects, distressed acquisitions, and short bridge periods before a sale or refinance. In the Houston metro area, borrowers can access 15 lenders offering Hard Money financing, including Sugar Land, The Woodlands, Katy, and surrounding areas. Loan amounts typically range from $50K to $10M with rates from 9% - 12%+.
Who should consider hard money loans?
- Fix-and-flip investors
- Distressed property acquisitions
- Auction or deadline-driven closings
- Short bridge periods before sale or refinance
What are the key requirements?
- Property or ARV support (often capped near 70-75%)
- Clear exit plan
- Cash for down payment, fees, and overruns
- Appraisal or valuation review
Advantages
- ✓Fast closings
- ✓Interest-only payments are common
- ✓Rehab funding is available on many deals
- ✓More flexible than bank underwriting
Considerations
- •Higher rates and points than bank or DSCR debt
- •Short terms with real refinance pressure
- •Property type and rural limits are common
- •Extension and draw fees can add up fast
Hard Money Loans in Houston FAQ
How many Hard Money lenders serve Houston, TX? ▼
What are Hard Money loan rates in Houston? ▼
Is hard money the same as a bridge loan? ▼
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Where else can I find hard money loans in Texas?
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