Loan Program

Texas Rehab Loans

  • San Antonio, Austin, Houston & DFW metropolitan areas only
  • Will fund 90-95% of acquisition, plus up to 75% of repairs
  • Terms from 9-12 months, and up to 5yrs
  • Rates from 11-12%. Interest Only and Balloon available
  • Loan amount not to exceed 70% of ARV
  • 3-4 points
  • No Doc – stated income, stated asset
  • No survey required
  • No minimum fico required
  • No prepayment penalty
  • Close in personal name or LLC
  • Borrower maintains control of construction process
  • No upfront fees with exception of appraisal or BPO



Portfolio Loans:

  • A Welcome Alternative to Conventional Financing
  • Loan amounts from $75,000 to $2,000,000
  • Fixed, Arm, Balloons Available
  • Commercial, Rental Property & Multi-Family
  • Foreign Nationals up to 65%
  • Up to 20 Properties Financed for Investors
  • Close in LLC OK
  • Competitive Prime Rates
  • Multiple Income & Documentation Options





Asset Based Lending

Commercial, Investment Real Estate, & Raw Land

  • Texas Only
  • Mixed Use, Multi-Family, Gas Station, Office Buildings, Church, Commercial Land, Investment Cash-outs, Auto body shops, etc…
  • Loan decisions with more emphasis on equity and collateral, less on endless income documentation and credit profile
  • Loan terms from 12-36 months. 5yr Balloons also available
  • Loan to Values up to 75%
  • Rates from 10.5-12%
  • 1st Lien only
  • Full, Stated, & No Doc Income Documentation Available
  • Purchase, Cash Out or Refinance
  • No min fico required
  • Loan amounts from $50k-$2M
  • No upfront fees with exception of appraisal or BPO
  • NO OWNER OCCUPIED RESIDENTIAL CASH-OUTS

Stated Income Residential and Commercial Loans:

  • Non-Owner SFR, Condo, 2-4 Unit, Mixed use, Commercial and Mult-Family
  • 650 Minimum Credit Score
  • Loan to Values up to 75%
  • Competitive Rates with 30yr Amortization
  • Purchase, Refinance, & Cash Out

Small Balance Commercial Lending:

  • Texas Only
  • Loan amount from $50k-$400k
  • Loan terms from 5-25 years
  • Owner occupied and non-owner occupied properties eligible
  • First Lien Only
  • Full income and Light documentation available
  • LTV's up to 70%
  • Credit Requirements: program specific
  • Rates between A Bank money & Hard Money
  • Ineligible Properties: gas station, dry cleaner, auto related, bar/restaurant, warehouse, vacant land.
  • Personal guarantees required on all loans
  • No upfront fees with exception of appraisal

Owner Occupied Purchase Money Loans

  • One Day out of Foreclosure, Short Sale, or Deed-in-Lieu
  • Up to 80% Loan to Value
  • Up to 50% Debt to Income Ratio
  • Full Income Doc Only, 12-24 Bk Statements Allowed for Self-Employed
  • Credit Scores Down to 500
  • Loan Amounts up to $2 Million
  • No Penalty for Early Payoff
  • NMLS ID #222640
  • Small Business/Working Capital Loans

    • Call or email for more details