As one of the top private lenders in Houston, we've seen the city grow, evolve, and present more real estate and investment opportunities than ever before. Whether you're a first-time investor or a seasoned developer, one thing is clear—speed, flexibility, and local expertise make all the difference when it comes to funding your next big move.
Unlike banks, which often have rigid guidelines and drawn-out approval processes, private money lenders in Houston focus on making fast, common-sense decisions based on real assets and achievable outcomes. That’s why private lending continues to rise in popularity here in Houston, especially in real estate.
But what kinds of projects do we love to fund the most?
Here are six types of deals that get us excited and funded quickly.
1. Fix and Flip Properties
Fix and flips are a cornerstone of Houston’s investment scene. With neighborhoods like Heights, Eastwood, and parts of Third Ward seeing rapid revitalization, there’s no shortage of homes with potential.
We love funding fix and flip projects because they’re short-term, asset-based, and offer great returns for experienced investors. Our team knows what to look for: solid after-repair value (ARV), realistic rehab budgets, and timelines that make sense.
If you're an investor with a good eye for distressed properties and a capable crew, we’re ready to help you turn around projects quickly, often with closings in as little as five to seven days.
2. Ground-Up Construction Projects
Houston continues to expand and densify at the same time. That’s why ground-up construction remains a favorite for us. From new single-family builds in Spring Branch to townhomes near downtown, the demand for new housing is strong and builders are responding.
We fund construction loans for builders and developers who have secured land, permits, and a construction team but need the capital to start building.
Unlike traditional banks, we don’t require months of underwriting. We assess the project feasibility, contractor experience, and exit strategy, whether that’s a sale or long-term rental.
If you're building from the ground up and need a lender who can move at your pace, we're here to help.
3. Buy-and-Hold Rental Properties
More and more Houston investors are turning to the buy-and-hold strategy for steady monthly cash flow and long-term appreciation. Whether you’re purchasing a single-family home or a small multi-family property, these rentals provide consistent returns and we enjoy funding them.
As one of the top private lenders in Houston, we understand how to underwrite rental properties based on their income potential, not just your credit score. We offer DSCR-based loans (Debt Service Coverage Ratio), which focus on the property’s cash flow rather than your personal income.
Want to build your portfolio faster? We also offer blanket loans and portfolio financing for investors managing multiple properties.
4. Bridge Loans for Fast Purchases
In Houston’s fast-moving real estate market, timing is everything. That’s why bridge loans are a staple of what we offer.
Whether you're buying at auction, acquiring a property before selling another, or seizing an off-market deal that won’t wait, bridge financing gives you the flexibility and speed you need.
Our bridge loans are designed to fund quickly, usually within three to seven days, with less documentation and more focus on the asset itself.
We’ve helped dozens of investors secure deals they would’ve missed out on using traditional financing. If speed is your biggest challenge, a bridge loan from a local private lender may be your best tool.
5. Commercial Real Estate Projects
Private money lending isn’t just for residential investors. We regularly fund commercial real estate projects across Houston including small retail spaces, warehouses, office-to-residential conversions, and mixed-use developments.
Commercial deals can be complex, but that’s where our experience comes in. We evaluate the strength of the project, not just the borrower’s financials.
If you’re planning a reposition, renovation, or quick turn on a commercial asset, we can provide the short-term capital needed to move forward while you line up your long-term strategy.
We particularly enjoy projects with a creative vision that bring life back to underused spaces and add value to the community.
6. Investor Refinance and Cash-Out Deals
Many Houston investors are sitting on serious equity, especially after the property appreciation of recent years. We help clients tap into that equity through investor refinance and cash-out loans.
Whether you want to reinvest in another property, fund a rehab, or create some breathing room for your business, a private money cash-out refinance could be the right move.
The best part is that we base our loans on current asset value, not just the purchase price. That means you can unlock more capital without waiting for bank approvals or dealing with debt-to-income restrictions.
Final Thoughts: Why Houston Trusts Private Lending
Houston’s real estate market rewards speed, adaptability, and local insight. At our core, that’s what private lending is all about. We’re not a faceless institution—we’re a local partner who knows the neighborhoods, the trends, and the real-world challenges investors face.
As one of the top private lenders in Houston, we’ve built our reputation on being responsive, transparent, and investor-focused. Whether you're flipping a bungalow in The Heights, building townhomes in EaDo, or buying rental property in Katy, we know how to get you funded quickly and efficiently.
Ready to Fund Your Next Project?
If you’re working on any of these project types—or have something unique in mind—get in touch with our team today. We’ll review your deal, provide honest feedback, and move quickly to help you secure the funding you need.
Let’s build something great together.