Hard Money Lender Texas — Same-Day Commitment, Close in 7 Days
Direct private hard money lender serving real estate investors across Houston, Dallas, Austin, San Antonio, and all of Texas. Fix & Flip loans from 9.5% · DSCR rentals from 6.5% · Up to 90% LTV · No income verification. Same-day term sheet — close in as few as 7 days.
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 in Houston, TX
Houston is Texas's largest city and one of the highest-volume fix-and-flip markets in the US. With a median home price around $310K and strong buyer demand driven by the energy sector, healthcare, and aerospace industries, Houston consistently ranks among the top 10 US cities for real estate investment activity. Older neighborhoods like Third Ward, Fifth Ward, and Acres Homes offer distressed inventory well-suited for renovation and resale.
Sab Tera Lending closes Houston hard money loans in 7–14 days — fully remote, no office visit required. We fund Fix & Flip loans up to 90% LTV and DSCR rental loans from 6.5% on 30-year terms. No W-2s, no tax returns, no income verification at any stage.
Hard Money Loans in Dallas & DFW, TX
The Dallas–Fort Worth metroplex is the fastest-growing major metro in the US, adding over 170,000 residents in 2024. Suburban submarkets including Plano, Irving, Garland, Mesquite, and Arlington offer strong fix-and-flip fundamentals with entry prices under $350K and ARVs regularly clearing $500K on renovated properties. The DFW rental market is equally strong — average rents above $1,600/month and a vacancy rate below 6% make DSCR rental loans an ideal hold strategy.
Our Dallas fix and flip loans fund up to 90% of the purchase price plus 100% of renovation costs. DSCR loans in DFW close in 14–21 days with no personal income documentation. Collin County, Denton County, and Tarrant County are all active markets where we currently fund deals.
Hard Money Loans in Austin, TX
Austin's tech-driven economy — home to Tesla, Apple, Oracle, and Dell campuses — has made it one of the most in-demand rental markets in the South. While downtown Austin prices are high, investors find strong fix-and-flip and BRRRR opportunities in East Austin, Pflugerville, Cedar Park, and Round Rock, where older housing stock meets strong rental demand from tech workers and university students. Williamson County in particular has emerged as one of Texas's most active investor markets.
Sab Tera Lending funds Austin hard money loans with same-day commitments and 7-day closes. For investors executing the BRRRR strategy in Austin, we handle both phases: hard money for the acquisition and renovation, then a DSCR rental loan for the refinance — no income docs required at either stage.
Hard Money Loans in San Antonio, TX
San Antonio is one of the most affordable large metros in Texas, with median home prices around $290K — well below Dallas and Austin — making it an attractive market for first-time fix-and-flip investors and DSCR rental investors building cash-flowing portfolios. The city's military presence (Joint Base San Antonio), strong healthcare sector, and consistent in-migration from Mexico support steady rental demand and resale absorption.
We actively fund fix and flip loans and multifamily bridge loans in San Antonio and Bexar County. Vacant and distressed properties are welcome — we underwrite the deal, not just the current occupancy. Loans close in 7–14 days with no income verification required.
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