Close in 10 Days. 90% LTC.
Houston 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 Houston Rate →The stock is post-war ranches across a vast footprint, pre-war stock in the wards near downtown, and large-scale new construction in the suburbs. Ward and near-town rehab in Third Ward, Fifth Ward, Acres Homes and Independence Heights. Flood remediation, foundation movement on the clay and roof are the items; insurability at resale is the exit risk near the floodplain.
Texas is non-judicial with a fast trustee sale. Houston has no zoning, which affects both what can be built and what comps mean. Flood mapping after Harvey is decisive — a property in or near the mapped floodplain carries an insurance line that can consume the DSCR cushion, and elevation certificates matter. Harris County property taxes are high and reassess quickly. Galveston is coastal with windstorm exposure.
Pre-war stock in Houston 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.
Insurability at resale is the exit risk in Houston. If the roof, openings or elevation make the property hard to insure, the ARV you underwrote may not be the price you clear.
Also see: Austin, TX →San Antonio, TX →DSCR Loans in Houston →Corpus Christi, TX →Dallas, TX →El Paso, TX →Fort Worth, TX →Killeen, TX →
Fix & Flip loans in Houston 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.
Houston is the 4th largest US city and the most diverse major metro in the country. The Texas Medical Center (largest in the world), energy sector, port infrastructure, and NASA drive employment across industries. Lower median prices than Dallas or Austin mean better cash flow for rental investors. Suburbs like Cypress, Katy, and Spring routinely deliver 8-10% rental 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 Houston metro including Cypress, Katy, Spring, Humble, and Sugar Land.
Illustrative examples of structures we finance — not specific funded loans. Terms depend on the borrower, property and capital source.
Accurate ARV is critical. Houston submarkets like Montrose have strong comp data. Lenders want 3-5 recent comps within a quarter mile.
Houston rehab costs: $15-40/sq ft cosmetic, $40-75/sq ft moderate, $75-150/sq ft gut. Permits matter in Houston — include permit timelines.
Lenders require a clear exit — sale or refi to DSCR. Market time in Houston 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 Houston 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 Houston range from $150K to $5M. Most SFR flips fall in $200K-$800K range.
Yes. All Houston 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.
Flood remediation, foundation movement on the clay and roof are the items; insurability at resale is the exit risk near the floodplain. Budget contingency for it.
Only if the scope addresses what carriers price — roof age, openings, elevation. Confirm before you close; it is the exit.
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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