Investor lending
Business-purpose loans underwritten on the deal, not your tax returns. Texas's #1 rehab and construction lender for investors.
Closes in as little as 3–5 daysFor investment properties you will not live in. Not for a primary residence — for that, see the 0% down renovation program and homebuyer programs.
Program details
Fix & Flip
Purchase plus renovation in one loan. 0–10% down depending on the project. No prior experience needed. No appraisal on most deals. Business-purpose loan for a property you'll sell or rent — not for your own home.
Ideal for: First-time and repeat flippers who need to move on a property this week.
Ground-Up Construction
Build-to-sell or build-to-rent. No experience required. If you already own the lot, its value counts toward your cash to close — often bringing it to zero.
Ideal for: Builders, spec investors, and lot owners ready to break ground.
Bridge
Short-term financing to buy before you sell, pull equity for the next deal, or hold while you stabilize.
Ideal for: Investors who need speed and flexibility between transactions.
BRRRR
Buy, rehab, rent, refinance, repeat. We handle the acquisition loan and the DSCR refinance on the back end so you keep moving.
Ideal for: Buy-and-hold investors scaling a rental portfolio.
DSCR Rental
Qualify on the property's rent, not your income. Up to 80% LTV, loan amounts to $2M, FICO from 620. Close in an LLC. Finance up to 20 properties.
Ideal for: Landlords who want to stop handing over tax returns.
Fix & Flip vs. DSCR
One is built to buy, fix, and sell. The other is built to buy and hold. Both are business-purpose investor loans.
Common questions
Do I need flipping experience to get a Fix & Flip loan?
No. Everybody's first flip is their first flip. We look at the deal, not your résumé.
How much down payment does a Fix & Flip need?
Anywhere from 0 to 10% down, depending on the project. Purchase and rehab come in one loan, so you are not juggling two lenders.
Is an appraisal required?
Not on most deals. That is a big part of why these loans close in 3 to 5 days instead of a month.
I already own the lot. Does that help on a ground-up build?
Yes. If you own the lot, its value counts toward your cash to close. No construction experience is needed, and these also close in 3 to 5 days.
What does DSCR mean, and who is it for?
DSCR loans qualify you on the property's rent, not your paycheck. Up to 80% LTV, loans to $2M, FICO from 620, close in an LLC, and you can hold up to 20 properties.
Can I use these loans for the house I live in?
No. Investor loans are business-purpose only. If you want to renovate your own home, that is a separate program, the Dream Home Remodel.
