At HouseMax, we know speed is everything in real estate investing. Our Fix and Flip Loans are designed to help Texas investors move quickly—whether you’re acquiring, rehabbing, or building. Close in days and flip with confidence—backed by a lender built by flippers, for flippers.
Founded by a team that has flipped over 2,700 homes and sold more than $50M in Real Estate. Billions in loans funded since starting HouseMax Funding in 2017.
With no surprise fees
Allowing you to move quickly on opportunities
Many Texas Fix and Flip loans close in as little as 15 days
Across Texas, shifts in supply, pricing, and migration trends are opening doors for savvy fix and flip investors. In August 2025, the statewide median home price dipped slightly (–0.46 % YoY) to about $346,400 even as homes for sale surged ~13.5 % and sales edged up ~0.7 %.
Markets like Houston, Dallas, Austin, San Antonio, and Fort Worth are seeing inventory rise and sellers grow more negotiable. Houston remains relatively affordable (median ~$351,900) amid cooling tailwinds in Dallas and Austin.
These evolving dynamics create a sweet spot for flips: acquisition costs loosen as seller competition intensifies, while job and population growth in metros like Austin and Dallas sustain buyer demand. As pricing stabilizes and holding costs bite, speed and capital flexibility become critical — making fast, reliable fix-and-flip funding a key differentiator.
A fix and flip loan is short-term financing designed for real estate investors who buy properties in need of renovation, improve them, and sell them for profit. Instead of focusing on your personal income, approval is based on the property’s value, renovation plan, and after-repair value (ARV).
Typical requirements include:
- Credit score: Often 680+ (some lenders more flexible)
- Down payment: Typically 0–20% of purchase price
- Experience: Minimum of 2 flips
- Exit strategy: Clear plan to sell after renovation
- Property criteria: Residential properties in markets with resale potential
Rates are generally higher than long-term loans, starting around 8.5%–12% depending on:
- Credit profile
- Loan-to-value (LTV) and after-repair value (ARV)
- Investor experience
- Property type and location
Most fix and flip loans are short-term (6–18 months), giving investors time to renovate and resell the property. Extensions may be possible depending on the lender.
Most lenders require some skin in the game, usually 10–20% down. However, some programs may finance up to 90% of purchase price and 100% of rehab costs, based on ARV and experience.
