Texas Hard Money Loans for Real Estate Investors

Fix & Flip
Loans

We partner with Texas real estate investors looking to transform distressed properties into gorgeous homes, offering hard money fix and flip loans that fund up to 90% of purchase price and 100% of rehab costs with closings in as little as 10 days and approvals in just 24 hours. Our 12-month bridge loans feature flexible underwriting options including lower interest rates, maximum leverage, or zero points, with our team of experts understanding the unique requirements of different markets from Dallas to San Antonio. Whether you’re flipping your first property or you’re a full-time investor, we’re ready to finance your next success with our local market expertise and transparent loan process that eliminates hidden fees and provides direct access to decision makers.

Explore Our Loan Programs - Fix & Flip

New Construction
Loans

With Texas housing inventory at record lows and demand for residential new construction peaking, we provide hard money loans with competitive interest rates, flexible underwriting, and fast draw turnarounds for experienced investors, builders, and contractors. Our new construction loans allow borrowing up to 90% of land value and 100% of construction costs, giving you the capital needed to capitalize on today’s market opportunities. We tailor each construction loan to match your specific project needs while assessing investor experience and build viability, ensuring the deal remains profitable for all parties with loan flexibility unmatched by other Texas hard money lenders.

Explore Our Loan Programs - New Construction

Rental
Loans

We offer the most reliable and straightforward rental loans for BRRRR investors in Texas, with rates starting as low as 4%, leverage up to 80% LTV, and flexible options including 30-year amortization, ARM, and interest-only plans for 1-4 family properties. Our unique capital structure allows us to provide single rental loans up to $3M and portfolio loans up to $6.25M for investors at all experience levels, with each deal assessed based on the property’s income-producing potential. As experts in Texas’s local real estate markets, we’re committed to delivering a five-star experience throughout the loan process, creating customized funding solutions that support your long-term investment strategy.

Explore Our Loan Programs - Rental Loans

Home of the Only True Zero-Point Program

  • No Pre-Pay Penalty
  • No Exit Fees
  • Available for All Experience Levels

Texas Real Estate Market Highlights

Median Sale Price
$337,800
Feb. 2025
Median Days on Market
75 Days
Feb. 2025
Monthly Homes Sold
21,892
Feb. 2025
Icon - Sold Above Listing
Homes Sold Above Listing Price
11.5%
Feb. 2025
Avg Fix & Flip Gross ROI
7.3%
Q3 2024
Avg Fix & Flip Gross Profit
$19,483
Q3 2024
 
 

Recently Funded

Check out some of our recent projects:

Real Reviews from Real Borrowers

 

Great experience! They always answered or returned my calls immediately and walked me through the entire process and made sure all my questions were answered. I had a couple of questions weeks after my loan closed and they still responded immediately and made sure i was taken care of. Great experience and I would highly recommend ABL.

Cindy G.

I am glad I got to know Asset Based Lending, they made funding for my construction site very simple. They have a great team of people, that would go out of their way to help. Boris has been great and very helpful, I highly recommend them for all your Construction financing needs.

Mike A.

I have had the pleasure of working with Boris Akbashev for my real estate financing needs on my last 10-15 projects, and I cannot speak highly enough of his professionalism and expertise. Boris demonstrated a deep understanding of the lending process and went above and beyond to ensure I secured the best possible terms.

John S.

Truly a pleasure having ABL on every deal! Thanks to their lending experise and timely support and guidance throughout the process to get the best loan for my deals. I can see my company growth from 1-2 flips to numerous flips, new construction, and DSCR loan to grow my portfolio.

Pedro E.

Asset Based Lending is the place to shop for all your construction needs. Their easy funding policy, makes life so much simpler for any builder to focus on building and not be worried about financing project. Boris was supper helpful to accommodate me with all me financing needs.

Ray P.