Published by Loan Daddy LLC · NMLS #2827624Broker, not lenderAZ CMB-2016143 · Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873Non-owner-occupied investment property only
Commercial DSCR Investor Deal Desk
Texas (TX) Wholesale Lender Directory · Non-Judicial (First Tuesday Deed of Trust — TX Prop. Code §51.002) Foreclosure

Texas (TX) DSCR, Fix & Flip & Multifamily Lenders (2026)

Compare active wholesale and balance-sheet lenders funding investment properties in Texas (TX) on HardMoney.bot — Instant LTC/ARV Fix-and-Flip Underwriting & 24-Hour Bridge Term Sheets. Underwritten to Texas's Non-Judicial (First Tuesday Deed of Trust — TX Prop. Code §51.002) statutory framework (35–55 days-day average timeline), 1.68% average property tax rate, and $780/$100K landlord hazard insurance benchmark.

#1 Wholesale Brokerage Shelf · NMLS #2827624

Loan Daddy LLC — Texas (TX) Wholesale DSCR & Commercial Desk

Up to 80% Purchase LTV · 75% Cash-Out LTV · 6.125%–7.875% 30-Yr Fixed · Close in Texas LLC or Delaware LLC.

Match My TX Deal →Compare TX Shelves

Active Wholesale Loan Programs in Texas (TX)

Texas DSCR Loans
Up to 80% LTV Purchase / 75% Cash-Out · 6.375% – 8.25% (Wholesale Tier Dependent)
Min FICO: 620 – 660+ FICO · Close: 14 – 21 Business Days
Texas Hard Money Loans
Up to 85%–90% LTC / 75% ARV · 9.25% – 11.50% Interest-Only
Min FICO: 600 – 640+ FICO (Asset-Backed) · Close: 5 – 10 Business Days
Texas Private Money Loans
Up to 80% LTV / 85% LTC · 8.99% – 11.25% Interest-Only
Min FICO: Flexible Credit / Equity-Driven · Close: 7 – 12 Business Days
Texas Fix & Flip Loans
Up to 90% Purchase + 100% Rehab (75% ARV Cap) · 9.25% – 11.25% Interest-Only
Min FICO: 620 – 660+ FICO · Close: 7 – 10 Business Days
Texas Bridge Loans
Up to 80% LTV Acquisition / 75% Bridge Cash-Out · 8.75% – 10.99% Interest-Only
Min FICO: 640+ FICO · Close: 10 – 15 Business Days
Texas Ground-Up Construction
Up to 85% LTC / 70%–75% Completed ARV · 9.75% – 11.75% Interest-Only on Drawn Funds
Min FICO: 660+ FICO · Close: 14 – 21 Business Days
Texas Multifamily (5+ Units)
Up to 75%–80% LTV Purchase / 70%–75% Cash-Out · 6.50% – 8.50% (Perm) / 8.99%+ (Value-Add Bridge)
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
Texas Commercial Property
Up to 75% LTV · 6.875% – 8.99%
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
Texas Rehab & BRRRR Loans
Up to 85%–90% LTC + 100% Rehab Escrowed · 9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout)
Min FICO: 620+ FICO · Close: 7 – 12 Business Days
Texas Cash-Out Refinance
Up to 75% LTV Cash-Out (Select 80% LTV Tiers) · 6.625% – 8.375%
Min FICO: 640 – 680+ FICO · Close: 14 – 21 Business Days

Texas County-Level Tax & Insurance Underwriting Hubs (10)

Harris County, TX
Harris County, TX · 2.08% Tax
Dallas County, TX
Dallas County, TX · 2.02% Tax
Tarrant County, TX
Tarrant County, TX · 2.05% Tax
Bexar County, TX
Bexar County, TX · 1.98% Tax
Travis County, TX
Travis County, TX · 1.78% Tax
Collin County, TX
Collin County, TX · 1.88% Tax
Denton County, TX
Denton County, TX · 1.91% Tax
Fort Bend County, TX
Fort Bend County, TX · 2.12% Tax
Williamson County, TX
Williamson County, TX · 1.89% Tax
El Paso County, TX
El Paso County, TX · 2.18% Tax

Top Texas Rental Markets

Houston, TXSan Antonio, TXDallas, TXAustin, TXFort Worth, TXEl Paso, TXArlington, TXCorpus Christi, TXPlano, TXLaredo, TXLubbock, TXGarland, TX
Best Texas (TX) DSCR & Private Money Lenders (2026) | HardMoney.bot — Instant LTC/ARV Fix-and-Flip Underwriting & 24-Hour Bridge Term Sheets