Hard Money Lender in Texas
Sab Tera Lending is the preferred direct private lender for real estate investors across Texas. Same-day commitment on Fix & Flip, DSCR Rental, Multifamily 5+, and Commercial Real Estate loans. Close in as few as 7 days — no income verification required.
Texas Is Growing. Your Deals Need Capital. We're Ready.
Texas added 562,000 new residents in 2024 — the most of any state in the US — creating unprecedented demand for housing across Houston, Dallas-Fort Worth, San Antonio, and Austin. With no state income tax, a business-friendly environment, and a large inventory of older housing stock, Texas is one of the most active real estate investment markets in the country.
Counties & Regions We Serve
- Harris County (Houston)
- Dallas County
- Tarrant County (Fort Worth)
- Bexar County (San Antonio)
- Travis County (Austin)
- Collin County
- Denton County
- Williamson County
- El Paso County
- Montgomery County
Major Markets
Hard Money Loans Available in Texas
Four core programs — all with same-day commitment and the fastest closings in the market.
Buy, renovate, and sell for profit. Up to 90% purchase + 100% rehab. Close in 7 days.
Long-term buy and hold. Qualify on property income. 30-year terms. Vacant properties OK.
Apartment buildings and value-add acquisitions. No minimum occupancy. Close in 14–21 days.
Mixed-use, retail, office, industrial, self-storage. Asset-based. Close in 14–21 days.
Why Texas Investors Choose Sab Tera First
"I was skeptical about using an out-of-state lender for my Houston flip, but Sab Tera made it completely seamless. Same-day term sheet, all paperwork handled remotely, closed in 11 days. The 90% LTV made the economics work. Already submitting my second deal."
"Three DSCR rental loans in DFW with zero income documentation. As a full-time investor without W-2 income, Sab Tera is the only lender model that works for my business. Fast, professional, and they genuinely understand real estate investing."
"Value-add 8-unit in San Antonio with 3 vacancies — Sab Tera funded it anyway based on deal strength. Closed in 13 days. Now fully occupied and generating strong returns. Their willingness to underwrite the deal, not just the current occupancy, is what sets them apart."
Hard Money Loan FAQs — Texas
Get a Texas Hard Money Loan Today
Same-day commitment · Close in 7 days · No income verification · Serving all of Texas