Guides # Hard Money Loan Documents Checklist in Texas A Texas hard money loan documents checklist covering your property details, purchase documents, borrower information, project plans, and exit strategy. [Apply Now](https://cedartoplending.com/apply/) [Get a Quote](https://cedartoplending.com/contact/) By Cedar Top Lending · Published June 22, 2026 · Last updated July 23, 2026 This checklist walks through what Cedar Top may ask for when reviewing your Texas investment property deal. It is a preparation guide, not an application form and not a list of fixed requirements. Exact documentation depends on your property, your project, and your deal. If you are new to private lending, start with [what hard money lending is](https://cedartoplending.com/blog/what-is-hard-money-lending-texas/) and the [hard money loan requirements in Texas](https://cedartoplending.com/blog/hard-money-loan-requirements-texas/). ## Quick Answer A hard money loan document checklist may include property information, purchase documents, borrower and entity information, renovation or construction details, title and insurance items, and exit strategy support. Exact documentation depends on your property, your project, and your deal. ## Why Documents Matter Good documentation helps us review your property, your project plan, your borrower profile, and your exit strategy. Complete, accurate documentation keeps the review moving. Gaps slow it down. ## Document Checklist by Category Use this as an at-a-glance overview. The sections below go deeper. Not every item applies to every deal. Document category Examples Why we look at it When it may apply Property information Address, type, condition, photos, access, use The property carries the loan Every deal Purchase documents Purchase contract, amendments, closing date Sets the price and terms of an acquisition Purchases Borrower information Identification, experience summary, liquidity if requested The borrower is reviewed alongside the property Most deals Entity documents Entity name, formation documents, signing authority Loans are made to a business entity Where an entity is the borrower Renovation documents Scope of work, budget, contractor info, photos The project plan drives the review Fix-and-flip and rehab projects Construction documents Plans, budget, permits if applicable Ground-up projects are plan-driven New construction projects Bridge loan documents Current property info, payoff, sale or refinance plan Short-term financing is exit-driven Bridge deals Raw land documents Survey, access, utilities, intended use Land is reviewed differently Raw land and rural property Commercial property documents Rent roll, leases, operating info, current use Income and value-add affect the review Commercial property Title items Title company contact, title condition Title issues can slow or stop a transaction Every deal Insurance items Insurance contact, appropriate coverage Collateral is protected during the loan Every deal Exit strategy support Sale or refinance plan, comparable sales A clear exit makes a deal easier to review Every deal Optional supporting information Lease or income info, payoff details if refinancing Adds context to the deal As relevant ## Property Information Depending on your property, we may ask for: - Property address - Property type - Current condition - Photos - Access information - Occupancy status (non-owner-occupied investment property only) - Current use - Intended use - Estimated value or comparable sales, if available ## Purchase Documents For an acquisition, we ask for: - The purchase contract - Amendments - Earnest money details, if relevant - A seller or transaction contact, if appropriate - A title company contact, if available - A closing date, if one is already set ## Borrower and Entity Documents Depending on your deal, we may review: - Borrower identification - Entity name - Entity documents - Signing authority - An experience summary, if relevant - Liquidity or capital position, if requested - Background information Not every item is required on every deal. ## Renovation and Construction Documents For renovation ([fix-and-flip](https://cedartoplending.com/hard-money-loans/fix-and-flip/)) and [new construction](https://cedartoplending.com/hard-money-loans/new-construction/) projects, we may ask for: - A scope of work - A budget - Contractor information, if available - Plans, if applicable - Permits, if applicable - Draw request expectations - Photos - Timeline assumptions, if you have them We release renovation and construction funds in [draws](https://cedartoplending.com/resources/draw-process/) as work is completed and inspected. ## Bridge, Land, and Commercial Documents The table above covers the [bridge](https://cedartoplending.com/hard-money-loans/bridge-loans/), [raw land](https://cedartoplending.com/hard-money-loans/land-and-ranch/), and [commercial](https://cedartoplending.com/hard-money-loans/commercial/) rows. Each program's requirements guide goes deeper: [bridge loan requirements](https://cedartoplending.com/blog/bridge-loan-requirements-texas/), [raw land loan requirements](https://cedartoplending.com/blog/raw-land-loan-requirements-texas/), and [commercial loan requirements](https://cedartoplending.com/blog/commercial-hard-money-loan-requirements-texas/). ## Exit Strategy We review how you plan to repay or exit the loan, because a clear exit makes your deal easier to review. Common exit strategies include: - Sale after renovation - Refinance after stabilization - Construction completion and sale - Sale of another property - Commercial refinance - Land resale or a development plan ## What Not to Send Too Early Share documents through Cedar Top's proper process, and only when we request them. A few cautions: - Do not send unnecessary personal data in casual messages or texts. - Do not send incomplete or inaccurate documents. - Do not send unsupported value assumptions as facts. - Do not send expired or unsigned documents if better versions are available. ## Common Mistakes A few things tend to slow a review or require more documentation: - No purchase contract - No photos - An unclear scope of work - An unrealistic budget - An unsupported projected value - No clear exit strategy - Missing entity documents - An unclear title company contact - A property outside Texas - Owner-occupied use - Incomplete borrower information Apply for a Texas hard money loan. Gather your documents, then apply or call 817-984-3129. [Apply Now](https://cedartoplending.com/apply/)[Get a Quote](https://cedartoplending.com/contact/) ## Related Resources ## Frequently Asked Questions ### What documents do I need for a hard money loan in Texas? It depends on your property and your project. We may ask for property information, purchase documents, borrower and entity information, renovation or construction details, title and insurance items, and exit strategy support. Not every item is required on every deal. ### Do I need a purchase contract before applying? For an acquisition, yes. We ask for the purchase contract. It sets the price and terms of your deal. ### Do I need a scope of work for a fix and flip project? Yes. A written scope of work and budget are central to a fix-and-flip review, because your project plan is a major factor. ### What documents are needed for a new construction project? Plans, a budget, and your project plan. Exact items depend on the project. ### Does Cedar Top review credit documents? Hard money is asset-focused, but we do review credit and other borrower information. Credit is one factor, not the only one. ### Do I need entity documents? We make loans to a business entity, so we ask for entity documents and signing authority. What is needed varies by the borrower and the transaction. ### What property information should I prepare? Property address, property type, current condition, photos, access information, occupancy status, current and intended use, and value support such as comparable sales where available. ### What documents help support exit strategy? A sale or refinance plan, comparable sales, payoff information if refinancing, or a development plan for land. A clear exit makes your deal easier to review. ### Can missing documents slow down review? Yes. Missing, unclear, or inaccurate documents slow a review or lead to more questions. Complete and accurate documentation helps. ### Should I send sensitive personal information by email? No. Share sensitive information only through Cedar Top's proper process when we request it, not in casual messages or texts. ## Related Reading - [Hard Money Loan Requirements in Texas](https://cedartoplending.com/blog/hard-money-loan-requirements-texas/) Guides See what Cedar Top reviews for your Texas hard money loan, including the property, your equity position, your borrower profile, documents, and your exit strategy. - [How Hard Money Loan Draws Work](https://cedartoplending.com/blog/how-hard-money-loan-draws-work/) Guides How rehab and construction draws work on your Texas hard money loan - funds set aside at funding, then released as work is completed and inspected. - [Raw Land Loan Requirements in Texas](https://cedartoplending.com/blog/raw-land-loan-requirements-texas/) Hard Money Here is what we review for a Texas raw land loan, including collateral value, access, title and survey items, documents, and a clear plan or exit. This article is general education for real estate investors, not financial, legal, or tax advice. Non-owner-occupied investment property only. Terms, rates, and availability are subject to underwriting, collateral review, title review, documentation, and approval. This is not a commitment to lend. See our [disclosures](https://cedartoplending.com/licensing-disclosures/). --- Canonical URL: https://cedartoplending.com/blog/hard-money-loan-documents-checklist-texas/