McLennan County

# Hard Money Loans in Waco, Texas

Waco is a busy Central Texas investment market, and we lend there.

[Apply Now](https://cedartoplending.com/apply/) [Get a Quote](https://cedartoplending.com/contact/)

Serving

Waco · Hewitt · Woodway · Bellmead · Robinson · Lorena · McGregor

Loan types

Fix and Flip Loans · New Construction Loans · Bridge Loans · Commercial Hard Money Loans

County

McLennan County

 Last updated August 24, 2026

McLennan County

## Investment Lending in Waco

Waco has drawn national attention for its renovation scene, and the investor activity runs deep: fix and flip projects in older neighborhoods, rental and short-term-rental value-add, and new construction as the city grows along I-35. We fund all of it across McLennan County.

Baylor-adjacent rentals are some of the steadiest deals we see here, and we are a direct lender, no broker in between.

## The Waco Market

Anchored by Baylor University and a fast-growing Central Texas economy, Waco has steady rental demand and a deep pool of older homes that make good rehab and value-add targets. The renovation boom that put Waco on the map keeps fix and flip inventory competitive.

It is a more competitive market than our small-town footprint, but we know it and we fund it on the same fast, asset-based terms.

## Programs We Fund in Waco

[Fix and Flip Loans Fix and flip loans for Texas investors. We lend on the property and your investment plan, so we can fund borrowers that a traditional bank would turn down over credit or income. Learn more](https://cedartoplending.com/hard-money-loans/fix-and-flip/) [New Construction Loans New construction hard money loans for Texas builders, on investment or non-homestead property only. We finance up to 100% of your construction budget, up to 90% loan to cost. Learn more](https://cedartoplending.com/hard-money-loans/new-construction/) [Bridge Loans Short-term hard money for a Texas investment property that needs little to no rehab. Short term vacation rentals and hard money take-outs are both OK. Learn more](https://cedartoplending.com/hard-money-loans/bridge-loans/) [Commercial Hard Money Loans Commercial hard money loans for your Texas retail center, office building, or industrial investment property, up to 75% loan to value. Learn more](https://cedartoplending.com/hard-money-loans/commercial/)

**Nearby towns we also serve:** Hewitt, Woodway, Bellmead, Robinson, Lorena, McGregor.

Our loan process

## Three Steps to Funding
1.  1

### Apply Online

The property, your plans, and what loan amount you are requesting.
2.  2

### In-House Review

We underwrite the deal in-house quickly. No outside underwriter, no third-party appraisal to wait on.
3.  3

### Closing

Once title is clear and the documents are signed, we can fund in as little as 24 hours.

FAQs

## Waco Hard Money Loan Questions

### Do you lend in Waco and McLennan County?

Yes. We fund fix and flip, new construction, rental value-add, and commercial investment loans across Waco and the surrounding area.

### Do you finance short-term rental and renovation projects in Waco?

Yes. Rehab and short-term-rental projects are most of what we fund in Waco.

## Get a Quick Answer on Your Waco Loan

We underwrite every transaction in-house, so if the property and your plan make sense, we can usually find a way to fund it. Contact us for more details.

[Apply Now](https://cedartoplending.com/apply/) [Get a Quote](https://cedartoplending.com/contact/) [Call 817-984-3129](tel:+18179843129)

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