Private Lending · Texas
Hard Money Lender in Texas
Direct Fund USA is a direct hard money lender actively funding deals across Texas. Fix & flip, ground-up construction, bridge loans, DSCR, and foreclosure bailouts — close in as little as 7–10 days with no income verification.
Hard Money Loans in Texas
Texas is one of the most active real estate investment markets in the country. With no state income tax, strong population growth, and major metros like Dallas-Fort Worth, Houston, San Antonio, and Austin driving demand, Texas offers exceptional opportunities for fix & flip investors, rental property buyers, and ground-up builders. Direct Fund USA actively funds hard money and DSCR loans across Texas — from urban infill projects in Dallas to single-family rentals in Houston suburbs.
As a direct lender — not a broker — Direct Fund USA makes lending decisions in-house. That means faster closings, fewer fees, and a single point of contact from application to funding. We have funded deals in Texas ranging from fix & flip renovations to DSCR rental acquisitions and ground-up new construction.
Recently Funded in Texas
$161,000
Fix & Flip — Texas
Markets We Serve in Texas
Lending Criteria
- Loan amounts: $50K–$3M (hard money) · $75K–$3M (DSCR)
- No minimum credit score on most hard money programs (660 for DSCR)
- No income verification — asset-based lending
- Foreign nationals welcome
- Only upfront fee is the appraisal ($650–$950)
- Close in 7–10 days (hard money) or 2–3 weeks (DSCR)
Loan Programs Available in Texas
Fix & Flip
Up to 90% LTC · 12–18 month terms · Rates from 9.5% IO
Ground-Up Construction
Up to 75% LTC · Draw schedule · SFR & small multifamily
Bridge Loans
Up to 75% LTV · 6–24 month terms · Fast closings
DSCR Purchase & Refi
$75K–$3M · 30-yr fixed · No income verification
Bank Statement Loans
Up to $3.5M · 90% LTV · Self-employed friendly
Foreclosure Bailout
Emergency closings · All property conditions
Fund Your Next Texas Deal
Submit your loan request and get a same-day response. We lend throughout Texasand close in as little as 7–10 days.
Apply Now