HARD MONEY LENDER TEXAS

Loan Goat funds investors across Texas, including Houston, Dallas, San Antonio, Austin, Fort Worth, Arlington, Plano, Garland, El Paso, Corpus Christi, Lubbock and Laredo. We are a direct private lender headquartered in San Diego with in-house capital and a single decision maker. Everything is business purpose and non-owner-occupied. Bridge loans run from $150,000 up to $25,000,000.

Harris County infill is something we fund constantly. Bridge takes down the bungalow and the lot at up to 75% LTV, then construction funds the vertical build in draws against completed stages. Houston land use is loose enough that the exit analysis matters more than almost anything else, so send the site plan, the budget and the finished product you are comparing against.

Five to seven days is normal across Dallas and Tarrant counties, and a clean bridge file can fund in as fast as 3 days. Being in San Diego slows nothing down, because valuation, title and insurance get ordered remotely the day terms are agreed. Plano, Garland and Arlington files move on exactly the same clock.

El Paso and Webb County get the same programs as the major metros, including bridge, fix and flip, rental property and commercial. Border trade warehousing and cross-dock industrial in Laredo fit the commercial program, and military payrolls around El Paso support steady rental demand. Smaller or specialized markets are never downgraded here, because we underwrite the property and the exit.

The address, the purchase price or current value, what you owe, what you plan to do with the property and how you intend to pay the loan back. That is enough for a written quote. Full-doc income packages are not part of the low-doc programs, which is why a quote arrives in hours rather than weeks.

Single-family rentals, condos, townhomes, two to four unit buildings, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land. Business-purpose and non-owner-occupied is the core of the book, with owner-occupied handled under its own program.

Bridge money runs from 9.00% to 13.00% and moves with leverage, property type, exit and experience. Rental loans price lower because the property carries the debt, from 6.50% on the Non-QM tier. Every quote is written before an appraisal is ordered, so you are never chasing a number that changes at the closing table.

Credit is reviewed, but the property carries the decision. These are business-purpose loans on non-owner-occupied real estate, underwritten to value, exit and the strength of the deal. Investors turned down by a bank for self-employment, a recent event on file or thin documentation are routine business here.