★★★★★ Direct Lender Since 1998 | ✓ No Credit Check — Ever | ✓ No Income Verification | ⚡ Close in 5–14 Days | ✓ 65% LTV Max · 100% Asset-Based | 📞 877-895-3634
About Hard Money of Texas | Pure Asset-Based Private Lender - Hard Money of Texas

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Hard Money of Texas

About Hard Money of Texas | Pure Asset-Based Private Lender

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About Hard Money of Texas

Asset-based private lending — no credit check, no tax returns, fast close

“I’m a dinosaur. I’ve been originating commercial and residential mortgages for over thirty years, and I’ll be honest — I’ve cost myself a fortune because of the way I operate. Most loan officers structure commercial loans in two to three year terms. Not because it’s best for you, but because it forces you back to refinance. More transactions, more fees. I always thought that was a little shady. So I put my clients in the right loan the first time. Long-term, fixed-rate, stable. I typically only do one loan per client — because they don’t need to come back. That’s probably exactly why you should call me.”

— Dan Peterson | Hard Money Lender | 30+ Years Experience

Pure Asset-Based Private Lending

Hard Money of Texas is a direct private lender specializing in asset-based hard money loans. We lend on the property, not the borrower — no credit check, no tax returns, no income verification required. If the deal makes sense, we fund it.

We serve real estate investors, fix-and-flip buyers, builders, and landlords across all of Texas. Fast decisions, fast closings, and a lender who picks up the phone.

✓ No Credit Check

We lend on the asset. Your credit score, tax returns, and income history are not required.

✓ Up to 65% LTV

We lend up to 65% of the as-is or after-repair value. Quick in-house valuations.

✓ Fast Close

We close in days, not weeks. No appraisal delays, no bank committees, no underwriting bottlenecks.

✓ Direct Lender

You deal directly with the decision-maker — no brokers, no middlemen, no runaround.

✓ All Property Types

Fix-and-flip, DSCR rentals, new construction, commercial, land — if it has equity, we can lend.

✓ Texas Statewide

We fund deals in Houston, Dallas, Austin, San Antonio, Fort Worth, and every corner of Texas.

Ready to close fast?

Apply Now →

Or call us directly: 877-895-3634

Fix and Flip Loans in Texas — How It Works

Texas investors closed over 18,000 fix-and-flip deals last year. Here's the exact playbook — and how hard money makes it possible.

📊 Sample Texas Fix & Flip Deal — Houston
Purchase Price$180,000
Rehab Budget$45,000
Hard Money Loan (70% of purchase)$126,000
Your Cash In (purchase + rehab – loan)$99,000
After-Repair Value (ARV)$295,000
Holding Costs (6 mo × $1,400/mo)$8,400
Selling Costs (6%)$17,700
Net Profit$44,900
What We Fund
🏠
Single Family Residential
The most common flip in TX — up to 70% LTV on purchase, 100% of rehab budget held in escrow
🏘️
Small Multifamily (2–4 Units)
Duplexes, triplexes, and quads qualify — value based on ARV after renovation
🏢
Light Commercial
Small retail, office condos, mixed-use — must have clear exit to resale or refi
🔨
Full Gut Rehabs
No condition too rough — we lend on value, not current state
Our Terms
⚡
Close in 5–10 Days
Critical for competitive Texas markets where sellers want certainty and speed
💰
Up to 70% LTV on Purchase
Based on as-is value or purchase price, whichever is lower
🔧
100% of Rehab Funded
Draw schedule released as work is completed — inspected and disbursed within 48 hours
🔄
12–18 Month Terms
Interest-only payments during rehab. Extend if needed. No prepayment penalty on early payoff.
Fund My Next Flip →
Texas Market Intelligence

Why Texas Hard Money Is
Unlike Any Other Market

Texas real estate operates by different rules than the rest of the country — no state income tax, no deed tax, non-judicial foreclosure, and explosive population growth. Here's what that means for your deals.

⚡

Non-Judicial Foreclosure = Lenders Lend More

Texas allows non-judicial foreclosure — if a borrower defaults, lenders can foreclose without a court proceeding. This dramatically reduces lender risk, which means lenders can offer higher LTVs and move faster. In judicial states (like Florida), lenders are more conservative because foreclosures take 12–18 months in court.

TX foreclosure: 60 days | CA: 12–18 months
🏙️

Population Growth Backstops Values

Texas added 1,000+ residents per day in 2023. Dallas, Austin, Houston, and San Antonio are among the fastest-growing metros in the US. This creates a structural floor under real estate prices — more demand means fewer distressed sales and faster absorption. Hard money lenders in Texas feel more comfortable lending on ARV because the market is liquid.

+470,000 new TX residents (2023)
💰

No State Income Tax = More Investors

Texas has zero state income tax, which attracts out-of-state investors who can keep more of their flip profits and rental cash flow. The result: more buyer competition, higher ARVs, and a deeper pool of buyers when you go to sell your renovated property. Your exit is easier in Texas than most states.

0% state income tax — keeps more profit
🔧

Contractor Availability Is Improving

Texas waived licensing requirements for many trades during COVID housing boom, and the workforce expanded significantly. DFW now has the largest construction labor pool in the Southwest. This means shorter contractor wait times and better bid competition vs. 2021–2022 when labor was nearly impossible to find.

DFW: #1 construction job market in SW US

Texas Markets: Where Hard Money Makes Sense Right Now

DFW Metroplex
Highest volume. Entry-level ($150–250K ARV) moves fast. Corporate relocations keep demand steady.
🔥 Hot
Houston Metro
Diverse economy, port activity, energy sector. Inner-loop neighborhoods best for flips.
🔥 Hot
San Antonio
Military-driven stability. Median prices rising steadily. Less volatile than Austin.
📈 Strong
Austin Metro
Still correcting after 2021–2022 spike. Better for BRRRR/rental than quick flips right now.
📊 Selective
Emerging: Georgetown, Kyle, Buda
Austin suburbs drawing overflow. Lower entry, strong rental demand from tech workers.
📈 Strong
Lubbock / Midland / Odessa
Energy economy, affordable entry. Best for rental holds — flip market thinner.
📊 Selective

Texas Laws That Protect Hard Money Investors

These are the Texas-specific legal facts that make the state unusually favorable for real estate investors:

✓
Statute of Limitations on DeficiencyTexas limits lenders' ability to pursue borrowers for deficiency judgments after foreclosure — reduces personal risk on investment properties in cases of default.
✓
No Transfer Tax / Deed TaxTexas has no deed transfer tax (unlike most states). Closing costs are lower, which improves your net margin on every deal — buy side AND sell side.
✓
Trustee Sale ProcessForeclosures go through a trustee, not a court. 21-day notice, first Tuesday auction. This predictability lets lenders and borrowers know exactly what happens in a worst case.
✓
No Usury on Business LoansHard money lenders in Texas can charge market-rate interest on commercial/investor loans without usury restrictions that apply in other states. This is why TX has more hard money lenders than most states.

Ready to Use Texas to Your Advantage?

Get a hard money term sheet in 24 hours. No income docs, no W-2s, no long waits.

Get My Term Sheet →

Hard Money vs. Bank vs. Private Money in Texas

Not all fast lending is the same. Here's how your options actually compare when you need to move quickly on a deal.

Factor Hard Money
Hard Money of Texas		 Traditional Bank Private Money
Individuals/Funds
Time to Close5–10 days45–90 days7–21 days
Credit Score Required580+ (flexible)700+ (strict)Varies by lender
Tax Returns RequiredNo2 years requiredSometimes
Based OnProperty valueBorrower financialsRelationship
Rate9.99%–12.99%7%–9%8%–15%
Loan Term12–24 months15–30 years6–24 months
Max LTVUp to 70%Up to 80%50%–65%
Reliability / CertaintyVery highLow (often falls through)Medium
Self-Employed OK?Yes — no docs neededDifficultSometimes
Distressed Property OK?YesNoSometimes

Hard money is best when speed, flexibility, or property condition rules out a bank. After rehab or stabilization, you refinance into a long-term loan at a lower rate. That's the standard Texas investor playbook.

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