Texas
Texas Investment Property Loans
DSCR · Hard Money · Commercial · Bailout
New Century Lending finances real estate investors across Houston, Dallas-Fort Worth, Austin, and San Antonio. No tax returns. No W-2s. Just asset-based underwriting built for investors who move fast.
Term Sheet Turnaround
Close in as Few as
Licensed & Lending In
Prepayment Penalty
Texas
Why Texas
Investors Are Moving Fast
Texas is the #1 state for net domestic migration — and the investment capital is following. No state income tax. No rent control statewide. A deed-of-trust foreclosure process that takes weeks, not years. For real estate investors, Texas is not just an opportunity — it's a structural advantage.
The Texas Triangle — Houston, Dallas-Fort Worth, Austin, and San Antonio — accounts for roughly 70% of the state's population and a disproportionately larger share of investor activity. Whether you're BRRRRing distressed assets in Houston's Inner Loop, stacking turnkey rentals in Frisco, operating short-term rentals in East Austin, or building workforce housing near JBSA-Lackland in San Antonio, New Century Lending has a product built for your strategy.
Who This Is Built For
We finance real estate investors across the Texas Triangle — from first-time flippers to seasoned portfolio builders. If the deal makes sense, we have a structure for it.
- Buy-and-hold investors building long-term rental portfolios across the Texas Triangle
- BRRRR investors buying distressed Houston properties to rehab and refinance
- Short-term rental operators qualifying on AirDNA projected revenue in Austin
- Fix-and-flip investors targeting workforce housing in San Antonio
- Out-of-state investors from CA, NY, and IL investing in Texas for the cap rates
Texas Investment Loan Products
| Loan Product | Detail |
|---|---|
| DSCR Loans | 30-year fixed. Qualify on rental income, not personal income. No tax returns, no W-2s. |
| Hard Money Loans | 12.99% fixed. Asset-based underwriting. No income documentation required. |
| Commercial Real Estate | Multifamily 5+, mixed-use, office, retail, and industrial. Up to $50MM. Lite Doc or Full Doc. |
| Foreclosure Bailout | 12.99% fixed, 2-year term, 40-year amortization. Stop a foreclosure sale on investment property and protect your equity. |
| Loan Amounts | $100,000 to $50,000,000 |
| Time to Close | 7–10 days hard money and bailout · 14–21 days DSCR |
| Vesting | LLC, LP, corporation, or individual |
| Income Documentation | None on DSCR, hard money, and bailout. Commercial offers Lite Doc or Full Doc. |
| Pre-Payment Penalty | $0 — no prepayment penalty on qualifying programs |
| Property Types | SFR, 2–4 unit, multifamily 5+, short-term rental, commercial — non-owner-occupied only |
Choose Your Texas Market
Each Texas market has its own investor personality. Find yours below.
Texas's highest-volume investor market. BRRRR financing, hard money, and DSCR refinancing in Inner Loop neighborhoods and Class B suburbs.
Corporate relocation capital of the U.S. DSCR financing for Class A/B turnkey rentals in Frisco, Plano, McKinney, and Arlington.
High-cost, STR-dominant market. AirDNA-qualifying DSCR loans and bridge financing for East Austin value-add properties.
Lowest entry price of the four major Texas metros. Workforce housing, military rental demand near JBSA, and active fix-and-flip market.
Texas Investment Property Loans Frequently Asked Questions
Is New Century Lending licensed to lend in Texas?
Yes. New Century Lending is licensed to originate investment property loans in Texas, Florida, and California. All Texas loans are business-purpose loans on non-owner-occupied investment property only.
Do you lend in Houston, DFW, Austin, and San Antonio?
Yes. We actively lend across all four major Texas metros and surrounding submarkets. If you're investing in a Texas market not listed, contact us — we likely lend there too.
Can out-of-state investors get a Texas investment loan?
Absolutely. Many of our Texas borrowers invest from California, New York, and Illinois. There is no residency requirement for a business-purpose investment loan in Texas.
Do you lend to LLCs in Texas?
Yes. We lend to LLCs, corporations, trusts, and other legal entities. You do not need to purchase in your personal name.
How do Texas property taxes affect my DSCR qualification?
Texas property tax rates run 1.6%–2.5% depending on county — nearly double the national average. These are included in your DSCR calculation. We underwrite using actual county-level rates, not a national average.
How fast can you close in Texas?
Hard money and foreclosure bailout loans typically close in 7–10 business days. DSCR loans typically close in 14–21 days. Call 855-8GOLEND to discuss your deal timeline.
What types of Texas properties do you finance?
SFR, 2–4 unit, multifamily 5+, short-term rentals, and light commercial. All must be non-owner-occupied investment property. We do not finance primary residences.
How It Works — Texas Investment Loans
Step 1 — Apply in Minutes
Submit your deal through our portal or call 855-8GOLEND. No tax returns, no W-2s. Just the property address, deal structure, and your investment strategy.
Step 2 — Get Your Term Sheet
Our underwriting team reviews the deal and returns a term sheet — same day on most submissions. DSCR, bridge, and hard money programs all available for Texas properties.
Step 3 — Property Valuation
We order the appraisal using Texas county-level data including actual property tax rates. No surprises at closing.
Step 4 — Close and Fund
Title, insurance, and entity docs run in parallel. Hard money closes in as few as 7 days. DSCR closes in 14–21 days. Funds wire directly to title.
Texas loan programs
Four ways we finance Texas real estate investors — pick the program that fits your deal.
— DSCR
DSCR Loans — Texas
Qualify on rental income, not personal income. 30-year fixed. No tax returns. Built for buy-and-hold and STR investors across the Texas Triangle.
— HARD MONEY
Hard Money — Texas
Asset-based. Close in 7–10 days. For time-sensitive acquisitions, auction purchases, and off-market deals across Houston, DFW, Austin, and San Antonio.
— COMMERCIAL
Commercial Real Estate — Texas
Multifamily 5+, mixed-use, office, retail, and industrial across the Texas Triangle. Up to $50MM. Lite Doc or Full Doc.
— FORECLOSURE BAILOUT
Foreclosure Bailout — Texas
Texas foreclosures move in weeks, not months. 2-year term, 40-year amortization. Stop the sale on your investment property and protect your equity.
Ready to Finance Your Texas Investment?
Get a term sheet in 5 minutes. No tax returns, no W-2s, no nonsense. Licensed in Texas, Florida, and California.