Straight answers on hard money loans for Texas real estate investors: what lenders require, what deals really cost, and how to choose the right financing. Written by the team that shops deals to 20+ lenders every week.
Start With These Guides
The three articles investors read most: what lenders require, how a real deal pencils out, and how to pick the lender that fits.
Hard Money Loan Example: A Real Houston Fix and Flip With Every Number
A complete Houston fix and flip P&L: purchase, rehab, draws, interest, closing costs, and the profit that is left at the end.
Hard Money Loan Requirements: The Complete Investor Checklist
Best Hard Money Lenders: How to Find the Right Loan (2026 Guide)
Getting Funded
Qualification, down payments, credit, and how to get to the closing table. Start here if you are lining up your first hard money loan.
Hard Money Loan Requirements: The Complete Investor Checklist
What do you need to qualify for a hard money loan? Full requirements checklist: property types, LTV, credit, down payment, exit strategy, and docs.
Hard Money Loan Down Payment: How Much Cash Do You Really Need?
How much is the down payment on a hard money loan? Typical ranges of 10% to 25%, worked examples at three price points, and ways to bring less cash to close.
100 Financing Hard Money Loans: What They Really Mean and How to Get One in Texas
100 financing hard money loans cover purchase and rehab but not closing costs. Learn who qualifies, the ARV math, red flags, and alternatives.
Hard Money Loans Bad Credit: How to Get Funded When Banks Say No
Hard money loans for bad credit borrowers in Texas. Credit score floors, what lenders care about instead, and how a broker finds the right fit.
Deal Math
Run the numbers before you write the offer: worked P&Ls, the 70 percent rule, and rehab budgeting that holds up at the draw inspection.
Hard Money Loan Example: A Real Houston Fix and Flip With Every Number
See a complete hard money loan example with real numbers. Houston fix and flip P&L: purchase, rehab, draws, interest, closing costs, and profit breakdown.
The 70 Rule in House Flipping: Formula, Examples, and When to Break It
The 70 rule in house flipping explained. Learn the formula, see worked examples at multiple ARVs, and know when to break it vs. a lender's 75% ARV cap.
How to Estimate Rehab Costs: A Real Estate Investor's Guide
Learn how to estimate rehab costs for any flip or rental in Texas. Cost per square foot tiers, line-item pricing table, and contingency rules.
Choosing a Lender
Not all capital is equal. How to compare lenders and loan types so the financing fits the deal instead of the other way around.
Best Hard Money Lenders: How to Find the Right Loan (2026 Guide)
Compare the best hard money lenders using 7 criteria: pricing, leverage, draw speed, extensions, appraisals, guaranty terms, and reputation.
Hard Money vs Private Money: What Real Estate Investors Need to Know
Hard money vs private money explained for real estate investors. Compare interest rates, loan terms, speed, and learn when each type of financing wins.
DSCR Loan vs Hard Money: Which Loan Fits Your Deal?
DSCR loan vs hard money: side-by-side comparison of rates, terms, and qualification. Learn when each loan fits and how the BRRRR strategy uses both.
Tools & Calculators
Interactive tools that put real numbers on your next project in minutes.
Hard Money Loan Calculator
Purchase, rehab, ARV, rate, and points in. Monthly payment, total cost, and flip profit out.
RatesCurrent Rate Ranges
Typical Texas hard money pricing by loan type, updated as our lender panel moves.
ProcessHow Hard Money Works
The 10-step timeline from application to payoff, with costs itemized at every stage.