Hard Money Directory

Hard Money Lenders in Houston, TX

Find the best hard money lenders in Houston, TX. Compare rates, LTV, funding speed, and loan types from lenders who actively fund deals in the Houston metro area.

8 Lenders
9.0% Lowest Rate
3d Fastest Close
90% Highest LTV

Lima One Capital

National Lender
Houston, TX • Funds in 10-14 days • $75k–$5M

National private lender headquartered in Greenville, SC. Specializes in fix-and-flip, bridge, and rental portfolio loans for real estate investors across the Southeast and nationwide.

Fix & FlipBridgeConstructionRental / DSCR
9.00%
from rate
90%
max LTV
10d
fastest close

Easy Street Capital

Top Rated
Houston, TX • Funds in 5-10 days • $75k–$2M

Austin-based lender with a strong presence across Texas. Known for investor-friendly terms, fast closings, and a streamlined digital application process.

Fix & FlipBridgeRental / DSCR
9.00%
from rate
90%
max LTV
5d
fastest close

Kiavi

Tech-Driven
Houston, TX • Funds in 7-14 days • $100k–$3M

Technology-driven private lender (formerly LendingHome) offering fast pre-approvals and competitive rates for fix-and-flip and bridge loans nationwide.

Fix & FlipBridge
9.50%
from rate
90%
max LTV
7d
fastest close

Longhorn Investments

Fast Funder
Houston, TX • Funds in 3-7 days • $50k–$1.5M

Texas-focused hard money lender with over a decade of experience in the Houston market. Fast closings and flexible terms for experienced flippers.

Fix & FlipBridge
10.00%
from rate
80%
max LTV
3d
fastest close

CoreVest Finance

Portfolio Specialist
Houston, TX • Funds in 14-21 days • $150k–$50M

Large-scale private lender focused on portfolio and bridge loans for experienced investors. High loan ceilings for multi-property deals.

BridgeRental / DSCRConstruction
8.99%
from rate
80%
max LTV
14d
fastest close

RCN Capital

Nationwide
Houston, TX • Funds in 10-15 days • $50k–$2.5M

Connecticut-based nationwide private lender specializing in fix-and-flip, bridge, and long-term rental financing for real estate investors.

Fix & FlipBridgeRental / DSCR
9.24%
from rate
85%
max LTV
10d
fastest close

Gulf Coast Private Lending

High Limits
Houston, TX • Funds in 7-14 days • $100k–$5M

Houston-based lender specializing in larger bridge and construction loans for commercial and residential projects in the Gulf Coast region.

BridgeConstructionCash-Out Refi
9.50%
from rate
85%
max LTV
7d
fastest close

Texas Capital Direct

Low Minimums
Houston, TX • Funds in 3-5 days • $50k–$1M

Direct private lender offering straightforward hard money loans across Houston. Lowest minimums in the market for smaller flip projects.

Fix & FlipCash-Out Refi
10.50%
from rate
80%
max LTV
3d
fastest close