Texas · Investor & commercial real estate
Investment Property & Commercial Loans in Texas
LOANKWEST matches Texas real estate investors with lenders for rental, fix & flip, hard money, bridge, construction and commercial loans, on properties in Houston, Dallas, Austin, San Antonio and Fort Worth and across the state. One application, a dedicated loan advisor, and your deal presented to the lenders that fit it.
- 15 loan programs for Texas properties
- No credit pull to apply
- LLC & out-of-state investors welcome
Investing in Texas
What's different about investing in Texas
Texas added 562,941 residents between 2023 and 2024, more than any other state, reaching 31,290,831 people (U.S. Census Bureau, Vintage 2024). It also led the country in net domestic migration. For investors in Houston, Dallas–Fort Worth, Austin and San Antonio, that means sustained housing demand and a large supply of rentals, flips and new-construction deals. LOANKWEST is a loan broker, not a lender. One application puts your Texas deal in front of the lenders in our network that fit it.
Foreclosure sales happen on a fixed calendar. Most Texas foreclosures are nonjudicial. A sale under a deed of trust must be a public auction "between 10 a.m. and 4 p.m. of the first Tuesday of a month" at the county courthouse, with notice at least 21 days before the sale (Tex. Prop. Code § 51.002). For buyers, that creates a predictable monthly auction rhythm, which suits fast bridge and hard money capital lined up in advance. For owners with a maturing loan, it means the timeline can be short. Start a refinance or bail out conversation as soon as a default looks possible, not after the notice posts.
There's no personal income tax, by constitution. Since 2019, the Texas Constitution has prohibited a tax on individuals' net income (Tex. Const. art. VIII, § 24-a). Many Texas investors are self-employed or run their portfolios through entities, so qualifying on the property with a DSCR loan rather than on tax returns is often the cleaner path.
Property taxes are local and belong in your underwriting. With no state income tax, local property taxes carry more weight in Texas. Because DSCR is rent ÷ PITIA, the tax bill directly changes whether a rental qualifies. Use the county appraisal district's actual figure in our DSCR calculator, not an estimate from a listing.
Fast growth brings ground-up and land deals. Growth on the edges of the major metros produces lot, spec-home and build-to-rent opportunities. LOANKWEST arranges vacant land loans ($50K–$2M, up to 65% LTV) and ground-up construction (up to 85% of cost and 100% of the build budget).
Top Texas markets for investors
- Houston Large, affordable single-family rental market; flood-zone status matters for insurance and DSCR.
- Dallas–Fort Worth Strong corporate relocation demand; active build-to-rent and suburban new construction.
- Austin Higher price points; value-add and new construction more common than pure cash-flow rentals.
- San Antonio Lower entry prices and steady rental demand, including military housing near the bases.
Texas foreclosure, rent-rule and closing-cost basics
- Foreclosure process
- Non-judicial (power of sale) Trustee sales are public auctions held at the county courthouse on the first Tuesday of the month, between 10 a.m. and 4 p.m. (Tex. Prop. Code § 51.002(a)).
- Foreclosure timeline
- Statutory minimum notice Notice of sale must be given at least 21 days before the sale (Tex. Prop. Code § 51.002(b)); a residence also gets at least 20 days to cure first (§ 51.002(d)). Actual timing varies by lender and file.
- Rent rules & evictions
- Rent control only in a declared disaster. A city may adopt rent control only after finding a disaster-related housing emergency, with the governor's approval (Tex. Loc. Gov't Code § 214.902). Evictions are heard in justice court (Tex. Prop. Code § 24.004) after at least 3 days' written notice to vacate unless the lease says otherwise (§ 24.005).
- Taxes & closing costs
- No personal income tax (Tex. Const. art. VIII, § 24-a), and no new real estate transfer tax may be enacted (Tex. Const. art. VIII, § 29). Property taxes are set locally and belong in your DSCR math. Homestead protections (Tex. Const. art. XVI, § 50) cover a person's home, not business-purpose loans on investment property.
General information for real estate investors, last reviewed October 2026. Laws and tax rates change; confirm details with a Texas attorney or tax professional. Not legal or tax advice. Photo: Unsplash.
Texas investor playbook
Financing Texas deals by strategy
How investors typically finance the main Texas strategies across Houston, Dallas–Fort Worth, Austin and San Antonio.
Buy-and-hold
DSCR loans from $100K to $3M, closing in your LLC. If the rent is tight after taxes, see Non-DSCR.
Auction and fast-close purchases
Bridge loans (7–14 days) and hard money ($25K–$5M, no minimum credit score).
Flips
Fix & flip up to 100% of purchase and rehab.
Builders and developers
Commercial
Commercial real estate loans for multifamily, industrial, retail and hospitality from $250K to $50M+.
Run the numbers first
Estimate your ratio with the DSCR loan calculator, and compare short-term options in our guide to hard money vs. bridge vs. DSCR loans.
Open the DSCR calculator ▸Texas due diligence checklist
- Pull property taxes from the county appraisal district and protest high values each year
- Get wind, hail and flood insurance quotes before you finalize the DSCR
- Check for special district (MUD) taxes in newer subdivisions
- Confirm city short-term rental rules if you plan to use them
General information, not legal or tax advice. Local rules change, so confirm with a local attorney, title company or tax advisor.
Loan programs in Texas
Every LOANKWEST program for Texas investors
Pick a program to see its terms, run the numbers and apply. Availability shown is for properties located in Texas.
Rental Properties
Buy & Hold
DSCR Rental Loans in Texas
Qualify on the property's rent, not your tax returns.
DSCR Rental Loans for Texas properties ▸Non-DSCR Rental Loans in Texas
Rent doesn't cover the payment? No minimum DSCR, no minimum credit score.
Non-DSCR Rental Loans for Texas properties ▸Rapid Investor HELOC in Texas
Tap your rental's equity and keep your low-rate mortgage.
Rapid Investor HELOC for Texas properties ▸Foreign National Loans in Texas
U.S. rental financing for investors who live abroad or don't have U.S. credit.
Foreign National Loans for Texas properties ▸No Minimum FICO DSCR in Texas
Equity is the qualifier. No credit score required, no DSCR calculation.
No Minimum FICO DSCR for Texas properties ▸Temporary Funds
Short-Term Loans
Fix & Flip in Texas
Purchase and rehab funding, up to 100% for experienced flippers.
Fix & Flip for Texas properties ▸Hard Money Loans in Texas
Asset-based private loans for residential, commercial and land. The property qualifies.
Hard Money Loans for Texas properties ▸Bridge Loans in Texas
Short-term capital when the deal can't wait for a bank.
Bridge Loans for Texas properties ▸GAP Funding in Texas
Unsecured cash for the down payment, rehab or auction, sized on your credit and income.
GAP Funding for Texas properties ▸Bail Out Funding in Texas
Short-term capital to rescue a stuck property: maturing loan, probate, or a stalled build.
Bail Out Funding for Texas properties ▸New Construction in Texas
Ground-up financing for spec, build-to-rent and small multifamily.
New Construction for Texas properties ▸Vacant Land in Texas
Raw acreage, entitled parcels and finished lots.
Vacant Land for Texas properties ▸Construction Material Funding in Texas
Suppliers get paid today. You pay in up to 90 days, after the draw hits.
Construction Material Funding for Texas properties ▸Acquire or Reposition
Commercial
Equity & Joint Ventures
Capital Partners
Texas lending guidelines
Compare loan programs in Texas
Typical ranges across our lender network. Your advisor confirms exact terms once lenders review your deal.
| Program | Loan size | Leverage | Terms & speed | Texas |
|---|---|---|---|---|
| DSCR Rental Loans | $100K – $3M | Up to 85% LTV on purchases | 30-yr fixed, ARM or interest-only; qualifies on rent | Available |
| Non-DSCR Rental Loans | $100K – $2M | Up to 75% LTV on purchases | No minimum DSCR or FICO | Available |
| Rapid Investor HELOC | $25K – $750K | 85% / 80% / 70% CLTV (1st/2nd/3rd) | 5-day close on lines up to $400K | Available |
| Foreign National Loans | $100K – $2M+ | Up to 75% LTV on purchases | No U.S. credit or SSN required | Available |
| No Minimum FICO DSCR | Up to $1.5M | Up to 55% LTV | Equity-qualified; no minimum credit score | Available |
| Fix & Flip | Varies by lender | Up to 100% of purchase & rehab (experienced) | 12-month no-payment option | Available |
| Hard Money Loans | $25K – $5M | Resi 65–75% · Comm 55–65% · Land 50% | Asset-based; no minimum credit | Available |
| Bridge Loans | $100K – $5M | Up to 75% LTV | Interest-only; 7–14 day closing window | Available |
| GAP Funding | $20K – $350K+ | Unsecured (no collateral) | 2–10 yr terms; 3–10 business days to fund | Available |
| Bail Out Funding | $50K – $500K | Up to 70% of ARV | 6 months or less | Available |
| New Construction | $150K – $5M | Up to 85% of cost, 100% of build | Fast draw schedules | Available |
| Vacant Land | $50K – $2M | Up to 65% LTV | Interest-only; path to construction | Available |
| Construction Material Funding | Per supplier invoice | Supplier paid up front | Up to 90-day terms; no blanket lien | Available |
| Commercial Loans | $250K – $50M+ | Up to 75–80% LTV; SBA up to 90% | 1–30 year terms | Available |
| Joint Venture Funding | $50K – $500K | 100% of costs; 50/50 profit split | 6-month term | Available |
Business-purpose loans only. Rates, terms and leverage are representative, vary by lender, property and borrower, and can change without notice. LOANKWEST is a loan broker, not a lender.
FAQ
Texas investor loan questions
How fast do I need to move if my Texas investment loan is in default?
Texas foreclosure sales run on the first Tuesday of the month, with at least 21 days' notice (Tex. Prop. Code § 51.002). Contact an advisor before the notice of sale is posted so there's time to arrange a refinance or bail-out capital.
Can I use hard money to buy at a Texas foreclosure auction?
Many investors line up hard money or bridge financing before auction day. Talk to us early, because terms and requirements for auction purchases vary by lender.
Why do property taxes matter so much for a Texas DSCR loan?
DSCR divides rent by the full payment, including taxes. A higher tax bill raises PITIA and lowers your ratio.
Does LOANKWEST lend in Texas?
LOANKWEST is a broker, not a lender. We arrange Texas loans through lenders in our network.
Sources
Texas sources
Checked October 14, 2026. Laws and figures change; confirm with the source or a local Texas professional.
- U.S. Census Bureau, Vintage 2024 release, https://www.census.gov/newsroom/press-releases/2024/population-estimates-international-migration.html
- Tex. Prop. Code § 51.002, https://statutes.capitol.texas.gov/Docs/PR/htm/PR.51.htm
- Tex. Const. art. VIII, § 24-a, https://statutes.capitol.texas.gov/Docs/CN/htm/CN.8/CN.8.24-a.htm
- Tex. Loc. Gov't Code § 214.902, https://statutes.capitol.texas.gov/Docs/LG/htm/LG.214.htm#214.902
- Tex. Prop. Code §§ 24.004–24.005, https://statutes.capitol.texas.gov/Docs/PR/htm/PR.24.htm
- Tex. Const. art. VIII, § 29, https://statutes.capitol.texas.gov/Docs/CN/htm/CN.8.htm#8.29
- Tex. Const. art. XVI, § 50, https://statutes.capitol.texas.gov/Docs/CN/htm/CN.16.htm#16.50
LOANKWEST is a loan broker, not a lender. Programs are offered through lenders in our network; availability, terms and requirements vary by state and lender. General information, not legal or tax advice.
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