Kestrel Lending connects Austin real estate investors with hard money loans that close in as few as 7 days. We are a Texas hard money broker, not a single lender. One application puts your deal in front of 20+ private money lenders who compete to fund it, so you secure competitive rates, fast funding, and flexible terms. We lend on investment property only, placing business-purpose private money loans and short term loans for flipping, bridge financing, rental purchases, and new construction projects across the Austin, TX metro. Austin hard money lenders on our panel provide loan solutions for various investment strategies and every type of deal, from your first project to your fiftieth.
Property prices in this city run higher than most Texas markets. The average home value in Travis County sits well above the statewide average, which means bigger loan amounts, thinner margins on every project, and less room for error on your after-repair value estimate. In this Texas real estate market, discipline on ARV matters more than in any other city in the state. A lender who overvalues the subject property costs you equity on the back end. A lender who undervalues it leaves needed capital on the table and needed loan proceeds unfunded. In both cases, the risk to your investment is real.
That is why real estate investors here need a broker who shops the deal to the right hard money lenders, making the decision of which private money lender to use for you. We work with local lenders and private money lenders across Texas who lend in this market, know the pricing, Travis CAD valuations, and the neighborhoods where flipping pencils. Whether you are eyeing a fixer upper in East Austin, a rental in Del Valle, or a rehab in the Rundberg corridor, our team reviews every loan the way a hard money lender does before it goes out for quotes. The result: fast hard money loans funded by money lenders who want that specific project, at competitive rates. Our clients have worked with us for years because lenders compete on every loan file we send, and that competition delivers speed and savings on every deal.
We offer every major Texas hard money loans program in this city and across TX. All loans are short term, business purpose, and secured by non-owner-occupied investment property. We provide Texas hard money loans for the following loan programs, and our services cover every major deal type.
Traditional banks take 30 to 45 days to close and rarely touch distressed property. In this city's real estate market, that timeline loses opportunities. Hard money loans close in 7 to 14 days with interest-only payments and no prepayment penalty. Traditional loans require extensive documentation, bank statements, and income verification. Hard money lenders underwrite the loan based on the property, not the borrower's credit. Private money loans carry higher interest rates than conventional loan financing from banks, but on a 5 to 7 month flip, the leverage and fast closing earn you far more than the interest costs. Traditional banks also decline most construction projects and commercial real estate transactions. Hard money financing fills that gap with quick funding, providing borrowers the capital needed to act on short term opportunities. Experienced Texas real estate investors have chosen private money loans over traditional loans for years because the difference between success and failure is measured in days, not interest points. That is why hard money loans are the top choice for investors who work in competitive markets across the country.
Based on current quotes from our lending panel, Texas hard money loans price at 9.9% to 13.5% interest rates with 1.5 to 3 points as the origination fee. Loan amounts range from $75K to $3M. Loan terms run 6 to 18 months, interest only, with no prepay penalty. The origination fee and any additional fees are disclosed upfront, a straightforward approach. Average monthly payment on a $300,000 loan at 12% interest is $3,000. Loan amounts in this city tend to run larger than other Texas markets because property values are higher. Visit our rates page for the full breakdown, updated monthly, or use the loan calculator to estimate your total loan cost before you apply. Email us at humberto@kestrellending.com to discuss your deal or request a loan quote.
We lend across the entire Austin metro, covering Travis, Williamson, and Hays counties. Our private money lender network funds every type of investment property in the region, and we provide hard money loans based on the asset in every submarket of this city.
We also lend in Houston, Dallas, Fort Worth, San Antonio, and statewide across Texas. Find hard money lenders in every major city, from Dallas to San Antonio, on our website.
One phone call or contact form: the property address, purchase price, rehab budget, ARV, your track record and years of experience, and how much cash you can invest. Submit your deal information, including loan amount and property details, and our team reviews it the same day.
Before any lender sees the file, our company evaluates the loan ourselves. If the numbers do not work, we tell you. No upfront fees, no credit check needed to apply. This efficient step ensures every loan file is complete and lender-ready, supporting a smooth process from start to closing.
We send the loan to two or three Texas hard money lenders whose criteria fit, then push them to offer their best interest rates, points, and leverage. Loan term sheets arrive within 24 hours. Borrowers gain access to wholesale loan pricing that most investors cannot secure on their own.
Appraisal, title, and insurance coordinated. Most hard money loans fund and close in 7 to 14 days with speed. We work to ensure the closing process runs on time. You focus on the investment; our company handles the rest.
Kestrel Lending was founded by Humberto Marquez, a Houston-based real estate investor and operator with years of experience on the buy side. Our company shops your loan file to the money lenders who fit your specific project, partnering with and supporting lenders who fund projects across Texas. We provide personalized service, transparent pricing, responsive assistance, and a loan process that keeps clients funded, meeting their investment goals project after project. We offer hard money loans with the flexibility that various investment strategies demand. Borrowers pay nothing until closing. Whether you are flipping your first house, investing in a second house, or locking down your next deal, our services offer fast funding, the right capital, and a clear exit strategy. The Texas real estate market rewards prepared investors, and partnering with Kestrel is how you meet every opportunity with loan financing ready to close. Our focus and commitment: provide hard money loan products quickly and on fair terms. That is the top choice for real estate investors based in this city and across TX.
Most hard money loans close in 7 to 14 days once the loan file is complete. Fast funding depends on a clean title, a quick appraisal, and complete documentation. Rush closings are possible when needed. Our loan process is designed to ensure you close on time and never lose an opportunity to slow financing.
Most hard money lenders want a 620 minimum credit score, but the property and your equity matter more than credit history. There is no hard credit check to get a loan quote from our company. Several private money lenders on our panel lend to credit-challenged borrowers at adjusted loan-to-value, so more people can qualify and invest.
Interest rates are similar statewide at 9.9% to 13.5%, but average loan amounts here tend to be larger. Higher property values mean you pay more in total interest even at the same rate. Disciplined ARV underwriting minimizes risk on every project. Our services guide borrowers to the lender offering the best loan terms to maximize returns.
Any non-owner-occupied residential or commercial real estate investment property qualifies. Single family houses, small multifamily, mixed-use, and select land loans for investors with approved construction plans. The property serves as collateral. Our lenders fund loan requests based on the asset value, not personal income, making hard money a solution for investors at every stage. Post-close, our team continues to support you with information and draw management.
No. First-time investors are welcome. Expect slightly lower leverage and more documentation, but we match you with the Texas hard money lender most patient with new borrowers. Everyone started with loan number one, and our company is happy to guide you through each step of the process.
Yes. Use a short term hard money loan to buy and renovate, then refinance into long term financing once the property is producing cash flow. This approach lets you recycle capital across multiple projects and achieve your investment goals. We provide tailored loan solutions for buy-and-hold investors looking to build a real estate portfolio in this city and across Texas.
Ready to fund your next project? Get Your Rate in 24 Hours. Apply now, submit your loan request, compare offers from multiple lenders, and close with the capital your investment requires.
One application, multiple Texas hard money lenders competing to fund it, and a term sheet within 24 hours. No upfront fees, no hard credit pull to get a quote.
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