Houston
Houston Investment Property Loans
DSCR. Hard Money. Commercial. Bailout. No Tax Returns. Close in 7–10 Days.
Houston is the highest-volume real estate investor market in Texas — and New Century Lending is built for it. Whether you're BRRRRing distressed assets in the Inner Loop, stacking turnkey rentals in Katy or Pearland, or closing a time-sensitive acquisition, our asset-based underwriting closes deals while other lenders are still collecting paperwork.
Largest TX Metro by Deal Volume
Median Entry Price in Class B Suburbs
Hard Money Close Timeline
DSCR Qualification Standard
Houston
Why Invest
In Houston
Houston has no zoning laws — which creates a constantly evolving landscape with above-average investor opportunity. No state income tax, a deed-of-trust foreclosure process, and a massive renter population across the metro make Houston one of the most structurally favorable markets in the country for buy-and-hold investors. The Inner Loop offers high-appreciation value-add plays. Suburbs like Katy, Pearland, and The Woodlands deliver consistent Class A rental demand. New Century Lending finances all of it.
Who This Is Built For
We finance real estate investors across the Greater Houston metro — from first-time investors to seasoned portfolio builders. If the deal makes sense, we have a structure for it.
- Buy-and-hold investors building long-term rental portfolios in Katy, Pearland, and The Woodlands
- BRRRR investors buying distressed Inner Loop and Class B suburban properties to rehab and refinance
- Short-term rental operators qualifying on AirDNA projected revenue in the Inner Loop and Galveston corridor
- Commercial investors buying multifamily 5+, mixed-use, and retail properties across the Greater Houston metro
- Out-of-state investors from CA, NY, and IL investing in Houston for the cap rates and no state income tax
Houston 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 Houston Market
Each Houston submarket has its own investor personality. Find yours below.
Value-add, BRRRR, and STR financing. Hard money and DSCR are the primary tools. Covers Montrose, Midtown, EaDo, and the Heights.
Houston's most consistent Class A suburban rental market. Corporate tenants, top-rated schools, and low vacancy. DSCR 30-year fixed dominates here.
Fastest-growing corridor in the MSA. Affordable entry prices with strong rental demand from the Texas Medical Center workforce.
Premium master-planned community market. High-income tenants, low vacancy, and consistent appreciation. DSCR long-term financing is the primary product.
Workforce housing along the Ship Channel. Lowest entry prices in the Houston metro with high rental demand from port and petrochemical workers.
Houston Investment Property Loans Frequently Asked Questions
Does New Century Lending work with Houston real estate investors?
New Century Lending works with real estate investors across the Greater Houston metro. Contact us directly to discuss your deal and current lending availability in your market.
Do you require tax returns for DSCR or hard money loans?
No. New Century Lending uses asset-based underwriting for all investment property loans. DSCR loans qualify on rental income. Hard money and foreclosure bailout loans qualify on asset value. No W-2s, tax returns, or pay stubs required.
How fast can I close a hard money loan on a Houston property?
As fast as 7–10 business days. Once we receive the property address, loan amount, and exit strategy we issue a term sheet within hours. DSCR loans typically close in 14–21 days.
Can I close a Houston investment loan in an LLC?
Yes. We routinely close loans in LLCs, LPs, and corporations. Individual vesting is also accepted.
How do Houston property taxes affect my DSCR qualification?
Houston property taxes are among the highest in Texas — typically 2.0% to 2.5% of assessed value annually. We factor the full Harris County tax amount into your DSCR calculation, so make sure your rent covers PITIA including taxes.
What types of Houston properties do you finance?
SFR, 2–4 unit, multifamily 5+, short-term rentals, and commercial investment properties across the Greater Houston MSA. All loans are non-owner-occupied business-purpose only.
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, hard money, commercial, and bailout programs all available for Houston properties.
Step 3 — Property Valuation
We order the appraisal using Harris County 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 7–10 days. DSCR closes in 14–21 days. Funds wire directly to title.
Houston loan programs
Four ways we finance Houston real estate investors — pick the program that fits your deal.
— DSCR
DSCR Loans — Houston
Qualify on rental income, not personal income. 30-year fixed. No tax returns. Built for Houston buy-and-hold and STR investors across the Greater Houston MSA.
— HARD MONEY
Hard Money — Houston
Asset-based. Close in 7–10 days. For time-sensitive acquisitions and BRRRR deals across the Inner Loop and Houston Class B suburbs.
— COMMERCIAL
Commercial Real Estate — Houston
Multifamily 5+, mixed-use, office, retail, and industrial across the Greater Houston metro. Up to $50MM. Lite Doc or Full Doc.
— FORECLOSURE BAILOUT
Foreclosure Bailout — Houston
Facing a foreclosure sale on a Houston investment property? 2-year term with 40-year amortization. Stop the sale and protect your equity.
Ready to Finance Your Next Houston Deal?
Get a term sheet in 5 minutes. No tax returns. No W-2s. Asset-based lending for Houston real estate investors who move fast. Licensed in CA & FL.