Texas hard money loans
Bridge Loans
Short-term hard money for a Texas investment property that needs little to no rehab: a quick acquisition, a short term vacation rental, or a take-out of your current hard money loan.
Rate
Starting at 12%
Loan amount
$50,000 - $1,000,000
Term
6 to 12 month terms (with extension provisions)
Last updated
What is a bridge loan?
A bridge loan is short-term financing that bridges the gap between buying or holding a property and arranging permanent financing or a sale. Investors use it to close quickly or free up equity, then repay it once the property sells or refinances into a longer-term loan.
Terms snapshot
- Rate
- Starting at 12%
- Points / origination
- Origination fee of 2% to 4%
- Doc fee
- $995 Document Fee
- Loan amount
- $50,000 - $1,000,000
- Term
- 6 to 12 month terms (with extension provisions)
- Max leverage
- Up to 75% Loan to Value
- Payments & fees
- Interest only payments · NO prepayment penalty
- Property types
- Single-family, Multi-family, Short-term rental, Mixed-use
- Owner-occupied
- Not eligible - investment / non-owner-occupied only
Sample bridge deal
| Property value | $300,000 |
|---|---|
| Requested loan amount | Up to ~$225,000 (max 75% LTV) |
| Term | 9 months + extension option |
| Monthly interest estimate | Interest-only on the balance |
| Exit strategy | Refinance into a long-term rental loan or sell the property. |
Illustrative only. Not a quote or a commitment to lend.
How a deal usually moves
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Share the deal
Send the property, current value, and your short-term exit.
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Underwriting review
We review collateral, borrower profile, and exit feasibility.
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Term sheet
Term sheet outlines rate, points, leverage, and term.
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Title
Title review and closing coordination.
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Close
Closing and funding in a single advance.
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Servicing
Interest-only payments until your sale or refinance closes.
Documents we may ask for
Every deal is different. Depending on the property and how it's structured, we may ask for more than this, sometimes a lot more.
- Executed purchase contract (for acquisitions)
- Entity formation documents
- Government-issued ID
- Property photos
- Proof of insurance
- Title company contact
- Exit strategy (sale or refinance)
Common reasons a deal may not fit
- Owner-occupied / primary residence request
- Property located outside Texas
- Unresolved title issues
- Unsupported or unrealistic ARV
- Weak or undefined exit strategy
- Insufficient documentation
- Unsupported property type
Frequently asked questions
How is a bridge loan different from a fix and flip loan?
A bridge loan is for a property that needs little to no rehab, while a fix and flip loan funds and draws against a renovation budget.
Can a bridge loan take out my current hard money loan?
Yes. Hard money take-outs are OK. A common use is paying off your current short-term loan while you finish a sale or refinance.
Are short term vacation rentals eligible?
Yes. Short term vacation rentals are OK as long as the property and your exit hold up.
Texas markets we serve
North Central & West Texas
Northeast & East Texas
Fund your next bridge loans deal
Send us the property and the numbers. We underwrite in-house, so we can get back to you fast.