Resources
Texas Real Estate Investor Resources
Practical guides, checklists, and plain-English articles on Texas hard money loans, private lending, 1031 exchanges, loan servicing, and investment real estate financing.
Where to start
New to Cedar Top resources? These guides explain how Texas hard money lending works, what Cedar Top may review, and how investors can compare financing options.
Guide
What Is Hard Money Lending in Texas?
What a hard money lender is, how hard money loans work, what they cost, and when Texas investors use them, from a Fort Worth lender that underwrites in house.
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Hard Money Loan Requirements in Texas
Learn what Cedar Top may review for a Texas hard money loan, including property fit, equity, borrower profile, documents, and exit strategy.
Learn moreCalculator
Hard Money Loan Calculator
Estimate a hard money loan and your cash to close.
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Rates & Terms
Every published number for every program, in one place.
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Service Areas
Where Cedar Top lends across Texas.
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What Is Hard Money Lending in Texas?
Learn how Texas hard money lending works, when investors use it, what lenders review, and when it may or may not fit a real estate investment property.
Hard Money Loan Guides
How Texas hard money works and what we review. These guides support our loan programs: fix and flip, new construction, bridge, transactional funding, raw land, and commercial. For the numbers, see rates and terms.
Guide
Hard Money Loan Requirements in Texas
Learn what Cedar Top may review for a Texas hard money loan, including property fit, equity, borrower profile, documents, and exit strategy.
Learn moreGuide
How Hard Money Loan Draws Work
How rehab and construction draws work on a Texas hard money loan - funds set aside at funding, completed work, inspection, and release, subject to approval.
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Bridge Loan Requirements for Texas Investors
Learn what Cedar Top may review for a Texas bridge loan, including the property, equity, timeline, documents, and a clear refinance or sale exit.
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New Construction Loan Requirements for Texas Builders
Learn what Cedar Top may review for a Texas new construction loan, including plans, budget, the lot, draws, documents, and the completion exit.
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Raw Land Loan Requirements in Texas
Learn what Cedar Top may review for a Texas raw land loan, including collateral value, access, title and survey items, documents, and a clear plan or exit.
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Commercial Hard Money Loan Requirements in Texas
Learn what Cedar Top may review for a Texas commercial hard money loan, including the property, income or value-add plan, equity, documents, and exit.
Learn moreChecklists and Preparation Resources
Get a clean file together before you apply. When a financing request includes renovation or construction funds, those funds are typically handled through Cedar Top's draw process, subject to documentation and approval.
Checklist
Hard Money Loan Documents Checklist in Texas
A Texas hard money loan documents checklist covering property details, purchase documents, borrower information, project plans, and exit strategy.
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Fix and Flip Scope of Work Checklist
What a fix-and-flip scope of work and budget can include for a Texas hard money review - line-item work, costs, timeline, and how the scope ties to draws.
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Transactional Funding Checklist
What has to line up before a Texas double close funds.
Learn more1031 Exchange
1031 exchange resources for investors, Realtors, CPAs, and title companies. Start with our 1031 exchange services.
Services
1031 Exchange Services
Qualified intermediary services for Section 1031 exchanges, reverse exchanges, and construction exchanges.
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1031 Timeline Calculator
Estimate your 45-day identification and 180-day completion deadlines.
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Delayed 1031 Exchange
The most common type of exchange: the exchanger sells the original property before acquiring the replacement property.
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Reverse 1031 Exchange
Acquire the replacement property through an exchange accommodation titleholder before exchanging the property you already own.
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Construction / Improvement Exchange
Use tax deferred exchange funds to build, renovate, or improve the replacement property in Texas. Improvements must be completed within the exchange deadlines, and title is usually parked with an accommodation titleholder while the work is done.
Learn moreLoan Servicing
Resources for note holders and private lenders. Start with our loan servicing services.
Servicing
Owner Finance Note Servicing
Payment collection, borrower statements, lender reporting, and servicing support for Texas seller financed notes.
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Wrap Loan Servicing
Servicing support for Texas wrap loan structures, including payment tracking, borrower communication, and lender reporting.
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Private Lender Loan Servicing
Loan servicing support for private lenders and note holders who want organized payment collection and reporting.
Learn moreTexas Markets and Service Areas
Local lending context for Texas investors. Explore the markets Cedar Top knows best, or see all Texas service areas.
Service Area
Fort Worth
Cedar Top Lending is based in Fort Worth, so Tarrant County is home turf for us.
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Weatherford
Weatherford calls itself the cutting horse capital of the world, and the acreage and horse-country deals that come with that reputation are squarely in our lane.
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Abilene
Abilene is one of our top target markets in West Texas.
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Midland
Our service area runs all the way out to Midland and the Permian Basin.
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Tyler
Tyler is the hub of East Texas, and it is one of our regular markets.
Learn moreGet your Texas investment property reviewed
We review every deal in house, subject to underwriting, collateral review, title review, documentation, and approval.