Where We Lend
Texas Real Estate Investment Loans
LendingOne delivers investment property loans that Texas investors rely on: clear terms, quick closings and capital needed for rentals, flips and new builds.
Texas Real Estate: Growth, Demand, and Opportunity
Whether it’s in bustling Austin, along the scenic Gulf Coast, or deep in the booming western part of the state, real estate developers and buy-and-hold investors are choosing Texas. Texas also offers:
- Business-friendly practices, including no state income tax and lenient regulations.
- Affordable housing markets with a diverse stock, from high-end properties to multiunit developments.
- A rapidly growing population and room for appreciation.
A Trusted Partner for Texas Investors
Investors who choose LendingOne as their Texas hard money lender can expect trusted expertise with investor-focused loans.
The LendingOne team offers a deep, personal understanding of the Texas real estate market. This includes the nuances of competitive metro areas like Dallas, Austin, Houston, and San Antonio.
For over 10 years, LendingOne has worked with thousands of repeat borrowers who report an excellent rating on Trustpilot. With LendingOne, investors don’t just make purchases; they set the groundwork to scale their business.
Texas real estate is competitive, so LendingOne is designed for investors who move fast. LendingOne offers streamlined hard money loans with quick approvals, flexible terms and an in-house underwriting team with over $6 billion in funded loans.
Investment Property Loans in Texas
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DSCR Rental Loans
Scale YourRental Investments
Grow your long-term rental properties with flexible DSCR Loans for new purchases, refinances, and cash-outs.
Key Features
- Options for negative cash flowing and break-even properties
- 90-day seasoning for cash-out refinances
- Complimentary 45-day rate lock
- Full point buy downs available
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Fix and Flip Loans
Fund YourPurchase & Repairs
Short-term financing up to 92.5% loan-to-cost (LTC) and 100% of rehab costs to purchase and repair, fix and flip properties.
Key Features
- Up to 92.5% LTC and 100% of rehab funds
- Expedited appraisals
- No interest charged on undrawn rehab funds
- 12-month interest only loans available with no prepayment penalties
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Fix to Rent Loans
Expand YourBRRRR Strategy
Up to 95% LTC and added discounts and rate reductions with Fix to Rent financing for every stage of the BRRRR strategy.
Key Features
- Up to a 95% LTC
- Up to a 0.5% interest rate reduction
- 50% discount on origination fees and a free appraisal when you refinance
- Cash-out options available
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SFR Portfolio Loans
Multiple Properties,One Loan
Build long-term wealth by consolidating multiple single-family rental properties into one flexible loan with one easy payment.
Key Features
- Consolidate up to 20 properties into one loan
- Lower fees with reduced interest rates
- Easier rental portfolio management
- Recourse and non-recourse options
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New Construction Loans
Finance Ground-Up Projects
New construction financing for investors, builders, and developers looking for up to 85% LTC on ground-up projects.
Key Features
- Up to a 85% LTC
- No reserves collected at closing
- No interest on undrawn construction funds
- 12- to 24-month term options
Speak with Your Local Lender Today!
Share a few details about your Texas deal in our form, and a LendingOne loan advisor will follow up with clear options, next steps, and a realistic path to close.
Recently Funded Texas Deals
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Scattered Site , TX,OK
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Scattered Site , TX, FL, GA, NC, AZ
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Fort Worth , TX
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Dallas , TX
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Houston , TX
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Austin , TX
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San Antonio , TX
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Houston , TX
Top Metropolitan Statistical Areas (MSAs) in Florida
Dallas, Fort Worth, Arlington (DFW Metroplex)
Large, diverse market with broad investment options.
Houston (Pasadena), The Woodlands
Major employment hub with varied rental demand.
San Antonio, New Braunfels
Growing market with strong workforce rental demand.
Texas Real Estate Market Insights
Texas deal flow is heavily concentrated in a few large metros. It’s where steady population growth supports rental demand, resale liquidity, and new-build activity.
Here’s a quick snapshot of the state’s most prominent MSAs investors watch most closely (with metro population estimates)
Top Metropolitan Statistical Areas (MSAs) in Florida
Dallas, Fort Worth, Arlington (DFW Metroplex)
Large, diverse market with broad investment options.
Houston (Pasadena), The Woodlands
Major employment hub with varied rental demand.
San Antonio, New Braunfels
Growing market with strong workforce rental demand.
Texas Real Estate Market Insights
Texas deal flow is heavily concentrated in a few large metros. It’s where steady population growth supports rental demand, resale liquidity, and new-build activity.
Here’s a quick snapshot of the state’s most prominent MSAs investors watch most closely (with metro population estimates)
Where Texas Investors Can Learn, Connect, and Grow
LendingOne connects investors with industry-leading organizations to support their real estate ventures in Texas:
More Insights on Texas Real Estate
Stay on top of what’s shaping trends, from housing market momentum and DSCR rental demand signals, to build activity and rent-growth trends. Explore the latest insights below to sharpen your strategy before your next offer or refinance.
