Hard Money Loans Texas — Fast Close, No Tax Returns
Asset-based hard money lending for commercial, investment, and land in Texas. No tax returns. No credit check on most programs. Direct lender since 1998.
Get a Same-Day LOI Call 877-895-3634What Is a Hard Money Loan?
A hard money loan is an asset-based loan secured by real property — not your credit score or tax returns. Approval is based on the value of the property and the equity in the deal. That means we can close fast, on properties banks won’t touch, and for borrowers who don’t qualify conventionally.
We’re a Texas direct lender. No brokers, no middlemen — you deal with the decision-maker. We’ve been closing hard money loans in Texas since 1998.
Hard Money Loan Programs
Commercial Hard Money
Retail, office, warehouse, mixed-use, multifamily. No income docs. Approval based on property value and LTV. Close in 5–10 business days.
Fix & Flip / Rehab
Purchase plus rehab in one loan. Borrow against after-repair value (ARV). No tax returns. All credit considered. Fast draw process.
Bridge & Land Loans
Bridge the gap between purchase and permanent financing. Raw land, entitled lots, and transitional properties — we fund what banks won’t.
Loan Terms
| Feature | Details |
|---|---|
| Loan Amounts | $100,000 – $5,000,000+ |
| LTV | Up to 70% on commercial, 65% on land, 80% on fix & flip (ARV-based) |
| Terms | 6 months – 3 years (bridge/hard money) | 10–30 years (takeout/perm) |
| Close Time | 5–10 business days typical |
| Credit | All credit considered — no minimum score on asset-based programs |
| Income Docs | Not required on most programs |
| Property Types | Commercial, multifamily, SFR investment, land, mixed-use, industrial |
| Geography | Texas — all markets including Houston, Dallas, Austin, San Antonio |
Who Qualifies for Hard Money in Texas
- Self-employed with high write-offs — income looks low on paper
- Credit score too low for conventional or SBA
- Foreign national investing in Texas real estate
- Investor who needs to close fast — 30-day conventional timeline won’t work
- Fix & flip investor buying distressed or non-warrantable property
- Bridge loan needed while permanent financing is arranged
- Land purchase — banks rarely lend on raw land, we do
- Commercial property in need of stabilization before bank will lend
Why Choose Commercial Loans of Texas
- Direct lender — no broker markup, faster decisions
- In business since 1998 — we’ve funded every deal type in every market cycle
- Same-day LOI on most deals
- No upfront fees to apply
- All credit welcome — even recent foreclosure, BK, or collections
- Foreign nationals welcome — ITIN lending available
- We also handle the takeout loan — one relationship from hard money to permanent
Hard Money to Permanent — We Do Both
Hard money is a short-term solution. When you’re ready to exit, we can take out your hard money loan with permanent financing — including 30-year fixed takeout loans with no tax returns on DSCR and stated income programs. One lender, start to finish.
Frequently Asked Questions
How fast can you close a hard money loan in Texas?
Most deals close in 5–10 business days once we have the application and a property valuation. We order the BPO or appraisal immediately. If you need a closing in under a week, call us directly — we’ll tell you what’s possible.
Do you require a credit check for hard money loans?
Not on our asset-based programs. We approve based on the property’s value and the equity in the deal. Bad credit, recent foreclosure, bankruptcy — all considered. Some programs do have minimum credit requirements; ask us which applies to your deal.
What is the maximum LTV on a Texas hard money loan?
Up to 70% LTV on most commercial properties, 65% on land, and up to 80% of after-repair value (ARV) on fix & flip. Higher LTV may be available with additional collateral or cross-collateralization.
Will you lend on land in Texas?
Yes. Raw land, entitled lots, and partially developed parcels. Most banks won’t touch land — we will. LTV is typically 50–65% depending on the location and entitlement status.
What happens when my hard money loan comes due?
If you’re holding the property, we can take you out with a permanent loan — DSCR, stated income, or conventional. We’ve been closing takeout loans for Texas investors for decades. Ask us about the takeout when you apply for the hard money loan.
Get a Same-Day LOI on Your Hard Money Deal
No tax returns. No upfront fees. Direct lender since 1998.
Apply in 3 Minutes Call 877-895-3634Daniel Peterson | Commercial Loans of Texas | Direct Lender since 1998