Kestrel Lending is a Houston hard money broker that shops your project to 20+ lenders and places the loans with the right one in 24 hours. We are based in Houston, boots on the ground, and we specialize in fast funding for real estate investors who flip, build, bridge, or buy and hold investment properties across Harris County and the greater metro. Hard money loans close in as few as 7 days. Houston hard money lenders on our panel fund deals from $75K to $3M. Get Your Rate in 24 Hours.
Houston has more hard money lenders in houston than any other Texas city. That sounds like an advantage, but most real estate investors waste time calling hard money lenders houston has to offer one by one, getting one quote at a time. A typical lender only funds loans that fit their box: the property types they like, the neighborhoods they know, the borrower profiles they trust. Walk into the wrong lender and you get a no, or you overpay because you had no other deal to compare.
Banks will not lend on distressed properties, and they take 30 to 45 days when they do lend. Hard money lenders focus on the project and the property, not your personal income. But going to one direct lender means one quote, one set of terms, and one answer. That is the problem a hard money broker solves. We submit your project to multiple hard money lenders whose lending criteria fit, then push them against each other on interest rates, points, and leverage. Houston real estate investors who partner with us close quickly, save more money on total financing costs, and have a backup lender when things happen before closing. One easy application, multiple offers, reliable capital, and full transparency on every project.
As a Texas hard money broker, we are the financing partner for real estate investors who want the market working for them. Our company panel includes houston private money lenders, regional hard money lenders, and national capital sources, giving you access to loan options and terms most borrowers never find. Better terms start with more lenders competing. If you are interested in hard money lending in Houston, our services offer the ideal way forward.
Houston's real estate market rewards investors who understand where to buy. The city issued a record number of residential building permits in the metro last year, and flip activity is focused in neighborhoods where older housing stock, rising property values, and strong buyer demand happen to create real profit margins. Here is where our clients are doing projects in this market:
We also fund real estate investment deals in Montrose, East End, Magnolia Park, Sunnyside, and Greater Fifth Ward. If the property is a residential investment in the Houston real estate market, our lenders will lend on it.
Whatever your real estate investment strategy, we offer loan programs designed to match your needs and goals. All loans are business purpose, secured by non-owner occupied investment properties. We broker hard money loans on investment property only. An LLC, partnership, or individual can be the borrower on these loans. Here are the hard money loan types we place for Houston borrowers and the types of projects we fund:
Current hard money loan rates from our lending panel. Interest rates on these types of loans vary by experience, property value, leverage, and the borrower's creditworthiness. Rates are based on live quotes this month. We publish this data because real estate investors deserve to review and compare the cost of loans before any commitment is required. You can also sign up for our monthly rate email so you always have a current number to work with.
| Loan Type | Interest Rate | Points | Max LTV / ARV | Term |
|---|---|---|---|---|
| Fix and Flip | 9.9% to 12.5% | 1.5 to 3 | 75% ARV / 90% LTC | 6 to 12 months |
| Bridge Loan | 10.5% to 13.5% | 2 to 3 | 70% ARV | 6 to 18 months |
| DSCR / Rental | 7.5% to 9.5% | 1 to 2 | 75% LTV | 30 year |
| New Construction | 11% to 13.5% | 2 to 3 | 70% ARV | 12 to 18 months |
| Cash Out Refinance | 10% to 12% | 1.5 to 2.5 | 65% ARV | 6 to 12 months |
All hard money loans carry interest only monthly payments with no prepayment penalties. Loan sizes range from $75K to $3M. Loan terms run 6 to 18 months on short term loans. Full rate details by loan type and credit score are on our rates page, updated monthly. We offer clear, transparent pricing and terms so borrowers can make informed decisions and choose the loans that meet their needs. Points, fees, and payments are disclosed before you agree to terms. We believe borrowers deserve clear terms and honest pricing on every set of loans.
Call (832) 271-0668 or email humberto@kestrellending.com. You can also fill out our easy contact form. Tell us the property address, purchase price, renovation budget, after repair value, and your experience level. One simple application, complete in minutes. Open to all property types and experience levels.
Our underwriting team does the underwriting before any lender sees the file. If the project does not work, we tell you the same day. No upfront fees. No commitment. If the numbers are close, we tell you exactly what needs to change to make the project fundable.
We package the file and send it to private money lenders and private investors on our panel whose lending criteria fit. Term sheets are issued within 24 hours. You review offers, compare interest rates, points, and loan terms, and choose the best match for your project goals and investment needs. That competition means better terms, more options, and a variety of offers a single lender cannot provide.
We coordinate appraisals, clear title, and insurance. Most hard money loans in Houston fund in 7 to 14 days. Fast approvals and fast funding mean you never lose a property to slow financing. Our support team and services are built to keep the process on track from the day you apply through closing day and beyond. We lend through our panel and ensure funding in every major Texas market.
Yes. Our lenders fund investment properties across the greater metro, including Katy, Pasadena, Spring, Pearland, Sugar Land, Cypress, Conroe, and all of Harris County. If the property is a residential or commercial investment, we can find the right lender and place the loans. Our panel of Texas hard money lenders provides statewide reach, and we partner with lenders who focus on each city and market.
Harris County Appraisal District values are public record and help lenders estimate property value, but most hard money lenders require a third party appraisal or broker price opinion. Appraisals typically take 3 to 5 business days. We order them immediately and manage the timeline so they do not delay your closing.
We work with investor friendly title companies that understand hard money closings and can deliver clear title fast. If you already have a company you prefer, we coordinate with them directly. Fast responsiveness on the closing side is essential to funding loans in 7 days, and our process accounts for it.
Most lenders on our panel require a 620 minimum credit score, but the borrower's credit score matters less than the property and the equity in the deal. Hard money is asset based: the lender evaluates the investment property, the after repair value, and your exit plan. Some flexible lenders work with borrowers who have low credit at adjusted loan terms. The borrower's creditworthiness is one factor, not the deciding one. This is the education most people need about hard money loans: they are about the property, not the borrower.
Yes, new investors are welcome. Expect slightly lower leverage on your first deal, typically 65% to 70% of after repair value instead of 75%. We pinpoint patient hard money lenders for first time borrowers, help you build a realistic rehab budget, and provide great support through every step. Many of our clients started years ago and are now doing five or more real estate projects a year. Our services are built to help investors succeed from the start, reach their goals, ensure great outcomes, and grow with each project.
A direct lender funds loans from their own capital and offers one set of loan terms. As a broker, we shop your project to multiple houston private money lenders, private investors, and hard money lenders who compete to fund it. That means more loan options, better rates, and a backup if one lender cannot close. Working with our company gives you access to an entire hard money network as a funding source behind your investment, providing reliable capital for every property type. We are your partner in helping fund every project, whether it is your first home rehab, your fiftieth flip, or a ground up build. You will not find this level of access or communication by going to a single lender. The benefits of working with a broker come from variety: more lenders, more offers, more ways to make the project work.
We fund single family homes, duplexes, triplexes, fourplexes, small multifamily buildings, and select commercial properties. Every property type that qualifies as a non-owner occupied real estate investing property is eligible for hard money loans. An LLC, partnership, or individual can occupy the borrower role on the loans and hold the property. Most experienced investors close through an LLC for liability protection. We broker business purpose loans on investment property only. Whether you need a fix and flip loan in Acres Homes, a ground up construction loan in Spring Branch, or bridge loans on a rental property in Third Ward, we can secure funding, apply the right loan program to your needs, and provide clear terms within 24 hours.
Ready to fund your next project? Whether you are flipping a house, buying a home to fix and renovate, building new construction, or buying rental properties across Harris County, apply today and get a term sheet within 24 hours. Our hard money loans in Houston are how smart real estate investors close every deal with success. Get Your Rate in 24 Hours.
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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