Close in 10 Days. 90% LTC.
San Antonio 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 San Antonio Rate →The stock is pre-war stock in the near-downtown neighborhoods, post-war ranches across a vast footprint, and rapid new construction in the northeast corridor. Pre-war rehab in Dignowity Hill, Denver Heights, Government Hill and Harlandale. Pier-and-beam foundations, knob-and-tube and historic-district review are the items.
Texas is non-judicial with a fast trustee sale. San Antonio runs at a materially lower basis than Austin or Dallas, which flatters DSCR, and the three-installation military base produces one of the largest military tenant populations in the country. Bexar County property taxes are high. Historic-district rules apply in several near-downtown neighborhoods.
Pre-war stock in San Antonio 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: Austin, TX →Houston, TX →DSCR Loans in San Antonio →Corpus Christi, TX →Dallas, TX →El Paso, TX →Fort Worth, TX →Killeen, TX →
Fix & Flip loans in San Antonio 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.
San Antonio offers the best price-to-yield ratio among major Texas metros. Military bases (Lackland, Randolph, Fort Sam Houston), USAA, South Texas Medical Center, and Toyota provide massive employment stability. Median prices under $275K with 8%+ rental yields make it a cash-flow investor favorite. Lower appreciation than Austin, but far more predictable.
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 San Antonio metro including Schertz, Cibolo, Converse, Universal City, and Boerne.
Illustrative examples of structures we finance — not specific funded loans. Terms depend on the borrower, property and capital source.
Accurate ARV is critical. San Antonio submarkets like Southtown have strong comp data. Lenders want 3-5 recent comps within a quarter mile.
San Antonio rehab costs: $15-40/sq ft cosmetic, $40-75/sq ft moderate, $75-150/sq ft gut. Permits matter in San Antonio — include permit timelines.
Lenders require a clear exit — sale or refi to DSCR. Market time in San Antonio 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 San Antonio 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 San Antonio range from $150K to $5M. Most SFR flips fall in $200K-$800K range.
Yes. All San Antonio 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.
Pier-and-beam foundations, knob-and-tube and historic-district review 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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