Texas investor loans.
Closed by people who know Texas.
Hard money, bridge, DSCR, construction and multifamily financing for investors in Dallas–Fort Worth, Houston, Austin, San Antonio and everywhere in between.
- $0No upfront fees
- Up to $50MLoan amounts in Texas
- Up to 100 unitsMultifamily in Texas
Where we're funding deals
Each metro has its own deal profile. Here's what we see most and what lenders look at closely.
Dallas–Fort Worth
Fix and flips in established neighborhoods, small multifamily, and new construction in the growth suburbs. Lenders know this market well, which helps on leverage and speed.
Houston
Rentals, value-add multifamily and flips. With no zoning and a lot of floodplain, lenders look hard at flood zone, elevation and insurance cost, so have those ready.
Austin
Ground-up construction and bridge loans. Values have reset from the peak, so lenders lean on recent sold comps for ARV. A tight comp package gets you better terms.
San Antonio
Lower entry prices make it a strong DSCR and buy-and-hold market. Rent and expense numbers carry the deal here, so bring the lease or a rent estimate.
Also financing in El Paso, Corpus Christi, Waco, Killeen, Lubbock, the Rio Grande Valley and rural Texas. Ask about your market.
Financing for every stage of the deal
Fix & Flip
Purchase and rehab in one loan, with draws as the work gets done. Up to 95% LTC for experienced investors.
Bridge
Close fast on a purchase, or buy time before a refinance or sale.
DSCR Rental
Qualify on the property's rent instead of your tax returns. Single properties or portfolios.
Construction
Single family, small multifamily and large multifamily for builders and developers.
Multifamily & Commercial
Loans up to $50M on multifamily, mixed-use, retail and other income property in Texas.
Refinance & Cash-Out
Pay off a hard money loan or pull cash out of a stabilized Texas rental for the next deal.
Good to know before you submit
Do you lend on owner-occupied homes in Texas?
No. These are business-purpose loans for investment property only. If you or a family member will live in the property, it doesn't qualify.
Do you charge anything upfront?
No upfront fees from K3 Ledger. Lender costs like the appraisal are spelled out on the term sheet before you commit to anything.
How big a deal can you do in Texas?
Loans up to $50M, including multifamily up to 100 units. Larger or unusual deals are worth a call.
How fast can a Texas loan close?
It depends on the lender, title and appraisal. Once we see the deal, we'll give you a realistic timeline instead of a sales pitch.
Do you only lend in Texas?
No. We're based in Dallas and finance investor deals nationwide. Texas is home, and it's where we can go biggest.
Tell us about the deal
About 3 minutes. The questions change based on the loan you need.
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Have a Texas deal under contract?
Send it over. If it makes sense, we'll tell you how to structure it. If it doesn't, we'll tell you that too.