HouseMax Funding helps Texas real estate investors move fast. Whether you're flipping a property, building ground-up, or expanding your rental portfolio, our hard money loans are built for speed, flexibility, and results—with no middlemen and no wasted time.
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 hard money loans close in as little as 5-14 days.
Given these dynamics, hard money is especially important for Texas real estate investors: it lets you move fast in hot metros like Dallas, Houston, Austin, San Antonio, or Fort Worth, seize undervalued or undercapitalized deals, and renovate or reposition before refinancing.
In Texas, home sales of new and existing houses hit an annualized rate of 343,240 in January 2025, with a statewide median home price of $328,000. In Dallas, the median home price has reached about $391,500, reflecting strong investor demand in North Texas. In Houston, the average single-family price is around $350,000, with monthly rents near $1,850, supporting reliable cash flow for landlords. Meanwhile, in San Antonio the average home is priced around $378,792, and many rentals are yielding in the 6-8 % zone. Austin’s neighborhoods offer cap rates ranging from ~5 % to 7 % depending on location, even though property values are higher.
A hard money loan is a short-term, asset-based loan commonly used by real estate investors. Instead of relying on personal income or credit alone, approval is based on the property’s value and your investment strategy.
A Texas-based hard money lender like HouseMax helps you act fast and stay competitive, with quick closings and flexible funding tailored to local investors.
Typical requirements include:
- Credit score: Often 680+ (flexible for experienced investors)
- Down payment: 0–20% of purchase price
- Clear exit strategy (sell or hold)
Rates generally start around 8.5%–12%, depending on loan-to-value (LTV), property type, investor experience, and exit strategy.
Most terms are 6–18 months, giving investors time to renovate, refinance, or resell the property. Extensions may be possible.
With all documents in place, many loans can close in 5-14 days, helping you beat out slower buyers.
HouseMax Funding is the Best Hard Money Lender in the Nation!
If you want to fast track the approval, fill out an application so we can understand the full picture and hopefully get you approved today.
