Texas & Nationwide Programs
Loan Types
Six hard money programs built for speed. No red tape, no delays — just the right loan for your deal.
Texas Fix & Flip
No FICO. No Appraisal. No Tax Returns.
Our flagship Texas program is built for investors who need to move fast. No credit score, no appraisal, and no tax returns required. We lend on the deal — 90% of purchase price plus 100% of rehab costs, capped at 70% of the after-repair value. Cash deals, auctions, foreclosure bail-outs, and short sales all qualify.
Best for
Texas investors flipping houses, buying at auction, or handling foreclosures and short sales
Program Highlights
- No FICO score required
- No appraisal required
- No tax returns required
- 90% purchase + 100% rehab
- Up to 70% LTV
- Loans from $50K to $3M
- 9%–13% interest only
- 6–24 month terms
- No seasoning requirements
- Close in 24–72 hours
Cash-Out Refinance
Tap Your Equity in 24 Hours.
Pull cash out of your existing investment property or refinance to a better position — all without seasoning requirements. Up to 80% LTV with a 24-hour close when you have a full package ready. Use the capital for your next acquisition, rehab, or any business purpose.
Best for
Investors who want to leverage existing equity quickly without waiting on seasoning periods
Program Highlights
- Cash-out or standard refinance
- Up to 80% LTV
- No seasoning requirements
- Close in 24 hours
- Texas & Nationwide
Ground-Up Construction
Build From the Ground Up — Fast.
Finance new construction with up to 90% of the loan-to-cost and 65% LTV including land. We cover 100% of construction costs with interest-only payments and terms structured to match your build schedule. Close in 24–72 hours with a full package.
Best for
Developers and builders who need flexible construction financing that closes fast
Program Highlights
- Up to 90% LTC
- Up to 65% LTV including land
- 100% of construction cost covered
- 9.99%–13.99% interest only
- 12–24 month terms
- Terms match your build schedule
- Close in 24–72 hours with full package
Nationwide 600 FICO
100% Purchase + 100% Rehab. All 50 States.
Our nationwide program requires only a 600 FICO score and delivers up to 100% of purchase price plus 100% of rehab costs, capped at 75% LTV. With a full package, close in 24 hours anywhere in the country.
Best for
Investors outside Texas who want maximum leverage with a fast close
Program Highlights
- 600 FICO score required
- Up to 100% purchase price
- Up to 100% rehab costs
- Capped at 75% LTV
- Close in 24 hours with full package
- Available in all 50 states
Fix & Flip Line of Credit
100% Financing. No Money Out of Pocket.
A revolving real estate line of credit that covers 100% of your deal — no money out of pocket. Designed for serial investors who need capital ready when deals appear. Requires a 650 FICO score and closes in 7–10 days.
Best for
Active investors who flip multiple properties and want a ready line of capital
Program Highlights
- 100% financing
- No money out of pocket
- 650 FICO score required
- Revolving credit line
- Close in 7–10 days
Bridge & Auction Loans
Speed Is Our Specialty.
When the deal can't wait, we deliver. Bridge loans for auctions, foreclosure bail-outs, short sales, and any time-sensitive opportunity. Leverage capital fast — cash deals, distressed properties, and situations where speed is the difference between winning and losing the deal.
Best for
Investors chasing auction deals, distressed properties, or any situation where closing speed is critical
Program Highlights
- Cash deals for auctions
- Foreclosure bail-outs
- Short sales
- Time-sensitive closings
- Leverage capital fast
- Texas & Nationwide
Apply Now
DSCR Loan — Quick Application
Qualify based on your rental property's income. No personal income verification, no tax returns. Enter your numbers below and see your DSCR instantly.
DSCR Loan Program
Start Your DSCR Application
Qualify on rental income alone — no tax returns, no W-2s, no personal income docs required.
Side by Side
Compare All Programs
| Program | FICO | Max LTV | Financing | Close | Terms |
|---|---|---|---|---|---|
| Texas Fix & Flip | None | 70% LTV | 90% purchase + 100% rehab | 24–72 hrs | 6–24 mo |
| Cash-Out Refi | Varies | 80% LTV | Cash-out or refi | 24 hrs | Flexible |
| Ground-Up Construction | None (TX) | 65% LTV | 90% LTC + 100% build | 24–72 hrs | 12–24 mo |
| Nationwide 600 FICO | 600+ | 75% LTV | 100% purchase + 100% rehab | 24 hrs | Flexible |
| Fix & Flip LOC | 650+ | Varies | 100% — no money down | 7–10 days | Revolving |
| Bridge & Auction | Varies | Varies | Deal-based | 24–72 hrs | Flexible |
Found the Right Program?
Apply online in minutes or call us 24/7. With a full package, we close in as little as 24 hours.