Hard Money Loans in Texas
SFI Loans started in the Dallas–Fort Worth area and lends across Texas, funding 80% to 90% of the purchase price and 80% to 100% of rehab costs for fix-and-flip investors. Deep local market knowledge helps you evaluate and structure a deal you can move on with confidence.
Started in Dallas–Fort Worth, lending statewide across Texas.
Texas deal terms
What SFI Loans typically funds on a fix-and-flip
| Purchase financed | 80%–90% |
| Rehab financed | 80%–100% |
| Max loan-to-ARV | 70% |
| Rate | 8.5%–12% |
| Origination | 1%–2% |
| Term | 6–12 months |
| Minimum loan | $75,000 |
| Minimum FICO | 640 |
| Typical close | 5–15 days |
Local roots in Texas
SFI Loans started in the Dallas–Fort Worth area, one of the largest fix-and-flip markets in the country. Our 30 years of experience lending in the Texas market, for both commercial and residential real estate, gives us keen insight into the ups and downs of many of the state's submarkets. In the Dallas area, you may be looking south of Mockingbird in the Greenville Avenue area and the M streets, or east of White Rock Lake in the Lake Highlands area of older Dallas. Whether it's the suburbs of Garland, Frisco, Plano, or Irving, or one of the hottest areas around Midway Hollow, we've lent money there and understand how those submarkets behave. That local knowledge can help you make your deal successful.
Loan types and property types
- Purchase and rehab funding across Dallas, Fort Worth, and statewide Texas
- 30-year DSCR rental loans qualified on the property's income and your credit score, no tax returns required
- Non-owner-occupied 1–10 unit residential properties
- Construction loans for ground-up new construction
Local knowledge, not just fast money
SFI Loans underwrites the deal, not just the file. Because we know the Texas market and how its submarkets behave, we can help you evaluate and structure a deal so you feel confident in the investment before you commit.
Call before you write the offer, and we can evaluate and underwrite your deal even before you submit a purchase contract, often with an answer the same day.
"We have been sending our business to Mike and SFI Loans for the past 7 years. We have closed well over $4 million in loans with them. They have been incredibly helpful to our growth over those years. They not only provide us with the loans we need, but they also act as a real estate mentor, and that education has helped us immensely. Can't recommend highly enough. Thank you."
Jason Geourgoulis, Dallas, TX
Texas hard money questions, answered
Ready to move on your next Texas property?
Get prequalified before you write the offer, so financing is never the reason a deal falls through.