What Is a Hard Money Takeout Loan?

A takeout loan is permanent financing that replaces (or “takes out”) a short-term hard money or bridge loan. When your hard money loan comes due, you have two choices: refinance into another hard money loan and pay high rates again — or take it out with a long-term fixed-rate loan and lock in a payment for 10, 20, or 30 years.

We specialize in exactly that. Whether you used hard money to buy, rehab, or close fast, we can take you out with a term loan that makes long-term sense.

Takeout Loan Programs

Loan Terms at a Glance

Credit Score Help — Get Better Terms on Your 30-Year Fixed

Bad credit doesn’t mean you’re stuck with hard money rates forever. We offer a credit improvement program that can raise your score so you qualify for better terms on a long-term fixed loan — including 30-year fixed with no tax returns.

• We analyze your credit report and identify what’s dragging your score down
• Remove errors, outdated items, and collections that shouldn’t be there
• Most clients see score improvements within 30–90 days
• Once your score improves, we move you into a 30-year fixed at better rates
• No tax returns required on select programs — even after credit improvement
• We handle both the credit work and the permanent loan — one stop

The path: Hard money loan now → credit improvement program → 30-year fixed takeout loan at better terms. We walk you through every step.

Who This Is For

• Hard money or bridge loan coming due in the next 30–90 days
• Fix & flip completed — now holding as a rental
• Bought with hard money, property is now stabilized
• Self-employed investor who can’t qualify at a bank
• Too many write-offs — bank says income is too low
• Credit score too low for conventional — we can help fix that
• Multiple investment properties — want to consolidate into permanent debt
• Commercial property owner tired of short-term balloon payments

Why Choose Us

• Texas direct lender since 1998 — we know investment property
• No middlemen — you deal with the decision-maker directly
• No upfront fees to apply
• DSCR and stated income programs — no tax returns required
• Same-day response on most applications
• We’ve seen every deal type — hard money, bridge, construction, rehab

Fix & Flip and New Construction Takeout Loans

Finished your rehab or just completed a ground-up build? Congratulations — now let’s get you out of that hard money loan and into permanent financing before the clock runs out.

Portfolio Loan Program — Buy Rentals Like Writing a Check

Our portfolio loan program is built for serious rental investors who want to move fast. Instead of going through a full underwrite on every single property, our portfolio program lets you buy rental properties as easily as writing a check — pre-approved credit line, fast closings, no deal-by-deal income verification.

• Pre-approved borrowing limit — know your number before you find the deal
• Close on rental properties in days, not weeks
• No tax returns — qualification based on property cash flow and assets
• Finance single-family rentals, small multifamily, and vacation rentals
• Build your portfolio property by property under one program
• Competitive 30-year fixed rates available
• Repeat draws — close one, draw again on the next deal

If you’re buying 2, 5, or 10 rentals a year and tired of the paperwork marathon every time — this program was built for you. Tell us about your portfolio and we’ll structure a line for you.

Frequently Asked Questions