Close in 10 Days. 90% LTC.
Austin real estate investors: fast hard money financing for fix and flip projects. Up to 90% of purchase price, 100% of rehab costs. No W-2. 620+ credit. Close in 5-10 days.
Check My Austin Rate →The stock is post-war ranches across the east and north, high-basis pre-war stock in the central neighborhoods, and large-scale new construction in the suburbs. East Austin, Montopolis and Dove Springs carry the active rehab pipeline at a basis that still leaves margin. Foundation movement on the clay soils and permitting timelines are the items.
Texas is non-judicial with a fast trustee sale. Austin runs at the highest basis in Texas, which compresses DSCR — the same rent that works in San Antonio often does not here. Travis County property taxes reassess aggressively and the tax line breaks more Austin ratios than the rate does. The suburbs in Williamson and Hays counties price differently from the city.
Pre-war stock in Austin means the scope is rarely what the walkthrough suggests. Budget the mechanicals before the finishes and expect the inspector to find what the seller did not disclose.
Also see: Houston, TX →San Antonio, TX →DSCR Loans in Austin →Corpus Christi, TX →Dallas, TX →El Paso, TX →Fort Worth, TX →Killeen, TX →
Fix & Flip loans in Austin qualify based on the deal itself — purchase price, rehab budget, after-repair value (ARV) and your flip experience — not your W-2 or tax returns. Up to 90% LTC + 100% rehab financing, 6-18 month terms, close in 5-10 days, interest-only during rehab.
LendingStreet has structured $4.36B+ across 8,196 deals nationwide. NMLS #1734316 · 30+ capital sources · 50 states.
Austin's tech migration reshaped the market permanently. Tesla HQ, Apple's $1B campus, Oracle, Meta, Google, and a constant inflow of California founders keep demand high. Higher entry prices compress cash flow, but appreciation has averaged 8-12% annually for the past decade. Premium suburbs like Round Rock and Cedar Park offer better yields.
We finance rentals and projects throughout the metro. The loan is underwritten on the property, its rent or after-repair value and your experience — not on the neighborhood name.
We also fund investments throughout the greater Austin metro including Round Rock, Cedar Park, Pflugerville, Leander, and Georgetown.
Illustrative examples of structures we finance — not specific funded loans. Terms depend on the borrower, property and capital source.
Accurate ARV is critical. Austin submarkets like South Congress have strong comp data. Lenders want 3-5 recent comps within a quarter mile.
Austin rehab costs: $15-40/sq ft cosmetic, $40-75/sq ft moderate, $75-150/sq ft gut. Permits matter in Austin — include permit timelines.
Lenders require a clear exit — sale or refi to DSCR. Market time in Austin averages 30-60 days. Build a 6-month exit buffer.
First-time flippers can qualify. New flippers start at 80-85% LTC; experienced investors (2+ completed flips) reach 90%+.
From our loan records, all products. Borrower names and addresses withheld.
Source: LendingStreet loan records (Pipedrive), September 30, 2026. Borrower names and property addresses withheld; loan amounts shown as recorded. Terms are set by the capital source and vary by borrower, property and program.
How the numbers work: see what 90% of purchase plus 100% of rehab means in cash, or estimate your ARV in the ARV calculator.
Up to 90% LTC on purchase and 100% on rehab for qualified borrowers with flipping experience.
Typical Austin fix and flip closings happen in 5-10 business days. Experienced borrowers can close in 5-7 days.
First-time flippers can qualify at 80-85% LTC. Experienced borrowers (2+ flips) access 90%+ LTC and lower rates.
The minimum credit score is 620. Stronger credit improves leverage and pricing.
Rehab funds via reimbursement draws — complete work, inspector verifies, lender wires funds every 2-4 weeks.
Fix and flip loans in Austin range from $150K to $5M. Most SFR flips fall in $200K-$800K range.
Yes. All Austin fix and flip loans allow LLC borrowing with a personal guarantee.
Most loans carry 12-18 month terms with extension options. Refinancing to DSCR is an alternative if you hold as a rental.
Foundation movement on the clay soils and permitting timelines are the items. Budget contingency for it.
It affects which capital sources are comfortable writing there and at what leverage. It does not change how you apply.
No credit pull. No commitment. Speak with a licensed financing company with direct access to 30+ capital sources.
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