Resources # Texas Real Estate Investor Resources Guides and checklists on how Texas hard money works, what we review before funding, and how 1031 exchanges, loan servicing, and your investment plan fit together. [Apply Now](https://cedartoplending.com/apply/) [Get a Quote](https://cedartoplending.com/contact/) ## Where to Start New to Cedar Top? These guides explain how Texas hard money works, what we look at before funding, and how to compare your 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 your loan in house. Learn more](https://cedartoplending.com/blog/what-is-hard-money-lending-texas/) [Guide Hard Money Loan Requirements in Texas 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. Learn more](https://cedartoplending.com/blog/hard-money-loan-requirements-texas/) [Calculator Hard Money Loan Calculator Estimate a hard money loan and your cash to close. Learn more](https://cedartoplending.com/resources/hard-money-loan-calculator/) [Pricing Rates & Terms Every published number for every program, in one place. Learn more](https://cedartoplending.com/hard-money-loans/rates-and-terms/) [Texas Service Areas Where Cedar Top lends across Texas. Learn more](https://cedartoplending.com/service-areas/) ## Land And Ranch Land is our sweet spot. These guides cover buying, underwriting, and financing Texas farm, ranch, and raw land. [Guide How to Buy Land in Texas: An Investor's Acquisition Guide How to vet, finance, and close a Texas land deal. Access, surveys, mineral rights, ag rollback taxes, the closing process, and financing options compared. Learn more](https://cedartoplending.com/blog/how-to-buy-land-in-texas/) [Guide Texas Land Loan Rates: What a Private Land Loan Costs What a Cedar Top Texas land loan costs: rates from 12%, 2% to 4% origination, a $995 doc fee, a worked carry example, and how bank and Farm Credit loans differ. Learn more](https://cedartoplending.com/blog/texas-land-loan-rates/) [Guide Owner Financed Land in Texas: How Sellers Structure the Note How a Texas owner-financed land sale is papered (deed, note, deed of trust), what the note must spell out, seller diligence, and when to use a servicer. Learn more](https://cedartoplending.com/blog/owner-financed-land-texas/) [Guide Raw Land Loan Requirements in Texas 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. Learn more](https://cedartoplending.com/blog/raw-land-loan-requirements-texas/) [Program Land and Ranch Loans Hard money for Texas farm land, ranch land, and undeveloped land. Borrow up to 65% of market value. Learn more](https://cedartoplending.com/hard-money-loans/land-and-ranch/) [Calculator Texas Land Loan Calculator Estimate the payment, cash to close, and total carry on a Texas land or ranch loan. Learn more](https://cedartoplending.com/resources/texas-land-loan-calculator/) Featured guide ## What Is Hard Money Lending in Texas? Learn how Texas hard money lending works, when investors use it, what we review, and whether it fits your next investment property. [Read the guide](https://cedartoplending.com/blog/what-is-hard-money-lending-texas/) ## Hard Money Loan Guides How Texas hard money works and what we review before funding your loan. These guides support our [loan programs](https://cedartoplending.com/hard-money-loans/): [fix and flip](https://cedartoplending.com/hard-money-loans/fix-and-flip/), [new construction](https://cedartoplending.com/hard-money-loans/new-construction/), [bridge](https://cedartoplending.com/hard-money-loans/bridge-loans/), [transactional funding](https://cedartoplending.com/hard-money-loans/transactional-funding/), [land and ranch](https://cedartoplending.com/hard-money-loans/land-and-ranch/), and [commercial](https://cedartoplending.com/hard-money-loans/commercial/). For the numbers, see [rates and terms](https://cedartoplending.com/hard-money-loans/rates-and-terms/). [Guide Hard Money Loan Requirements in Texas 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. Learn more](https://cedartoplending.com/blog/hard-money-loan-requirements-texas/) [Guide How Hard Money Loan Draws Work 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. Learn more](https://cedartoplending.com/blog/how-hard-money-loan-draws-work/) [Guide Bridge Loan Requirements for Texas Investors Here is what we review for a Texas bridge loan, including the property, your equity, the timeline, your documents, and a clear refinance or sale exit. Learn more](https://cedartoplending.com/blog/bridge-loan-requirements-texas/) [Guide New Construction Loan Requirements for Texas Builders Here is what we review for a Texas new construction loan, including your plans, budget, the lot, draws, documents, and the completion exit. Learn more](https://cedartoplending.com/blog/new-construction-loan-requirements-texas/) [Guide Raw Land Loan Requirements in Texas 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. Learn more](https://cedartoplending.com/blog/raw-land-loan-requirements-texas/) [Guide Commercial Hard Money Loan Requirements in Texas Here is what we review for a Texas commercial hard money loan, including the property, your income or value-add plan, equity, documents, and exit. Learn more](https://cedartoplending.com/blog/commercial-hard-money-loan-requirements-texas/) ## Checklists And Preparation Resources Get your documents together before you apply. If your loan includes rehab or construction money, that money is released through our [draw process](https://cedartoplending.com/resources/draw-process/). [Checklist 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. Learn more](https://cedartoplending.com/blog/hard-money-loan-documents-checklist-texas/) [Checklist Fix and Flip Scope of Work Checklist What your 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. Learn more](https://cedartoplending.com/blog/fix-and-flip-scope-of-work-checklist/) [Checklist Transactional Funding Checklist What has to line up before a Texas double close funds. Learn more](https://cedartoplending.com/resources/transactional-funding-checklist/) ## 1031 Exchange 1031 exchange resources for investors, Realtors, CPAs, and title companies who want to defer taxes on the sale of their property. Start with our [1031 exchange services](https://cedartoplending.com/1031-exchange/). [Services 1031 Exchange Services Qualified intermediary services for Section 1031 exchanges, reverse exchanges, and construction exchanges. Learn more](https://cedartoplending.com/1031-exchange/) [Tool 1031 Timeline Calculator Estimate your 45-day identification and 180-day completion deadlines. Learn more](https://cedartoplending.com/1031-exchange/timeline-calculator/) [Exchange Delayed 1031 Exchange The exchange structure most of our customers use: you sell your relinquished property, then buy your replacement property. Learn more](https://cedartoplending.com/1031-exchange/delayed/) [Exchange Reverse 1031 Exchange Acquire your replacement property through an exchange accommodation titleholder before you exchange the property you already own. Learn more](https://cedartoplending.com/1031-exchange/reverse/) [Exchange Construction / Improvement Exchange Use tax-deferred exchange funds to build, renovate, or improve your replacement property in Texas. Improvements have to be completed within the exchange deadlines, and title is usually parked with an accommodation titleholder while the work is done. Learn more](https://cedartoplending.com/1031-exchange/construction-improvement/) ## Loan Servicing Resources for note holders and private lenders who want organized payment collection and reporting. Start with our [loan servicing](https://cedartoplending.com/loan-servicing/) services. [Servicing Owner Finance Note Servicing Payment collection, borrower statements, lender reporting, and servicing support for Texas seller financed notes. Learn more](https://cedartoplending.com/loan-servicing/owner-finance-note-servicing/) [Servicing Wrap Loan Servicing Servicing support for Texas wrap loan structures, including payment tracking, borrower communication, and lender reporting. Learn more](https://cedartoplending.com/loan-servicing/wrap-loan-servicing/) [Servicing Private Lender Loan Servicing Loan servicing support for private lenders and note holders who want organized payment collection and reporting. Learn more](https://cedartoplending.com/loan-servicing/private-lender-servicing/) ## Texas Markets And Service Areas Local lending context for Texas investors, drawn from our own experience in these markets. Explore the areas Cedar Top knows best, or see all [Texas service areas](https://cedartoplending.com/service-areas/). [Service Area Fort Worth Cedar Top Lending is based in Fort Worth, so Tarrant County is home turf for us. Learn more](https://cedartoplending.com/service-areas/fort-worth/) [Service Area Weatherford Weatherford calls itself the cutting horse capital of the world, and the acreage and horse-country purchases that come with that reputation are squarely in our lane. Learn more](https://cedartoplending.com/service-areas/weatherford/) [Service Area Abilene Abilene is one of our top target markets in West Texas. Learn more](https://cedartoplending.com/service-areas/abilene/) [Service Area Midland Our service area runs all the way out to Midland and the Permian Basin. Learn more](https://cedartoplending.com/service-areas/midland/) [Service Area Tyler Tyler is the hub of East Texas, and it is one of our regular markets. Learn more](https://cedartoplending.com/service-areas/tyler/) ## Have A Question These Guides Did Not Answer? Reach out and we will walk through your investment plan with you, or apply now and we will review your loan request in house. [Apply Now](https://cedartoplending.com/apply/) [Get a Quote](https://cedartoplending.com/contact/) [Rates & Terms](https://cedartoplending.com/hard-money-loans/rates-and-terms/) --- Canonical URL: https://cedartoplending.com/blog/