Home > Texas Fix & Flip and Ground-Up Construction Loans
Texas Fix & Flip & Ground-Up Construction Financing for Real Estate Investors
Submit one Texas project scenario to Direct Private Capital Group for a project-specific financing review. We help investors, builders and developers present purchase + rehab, ground-up construction, lot and construction-refinance requests to applicable private capital sources based on the transaction.
- Business-purpose financing for Texas investment and development projects
- Fix & Flip, purchase + rehab and ground-up construction scenario review
- Project-specific structuring around property, budget, equity, experience and exit
- A clear initial submission designed to reduce unnecessary back-and-forth
Local Texas Office
Dallas, TX
Secure Process
Your data is protected
No Obligation
Scenario Review is free
Investor Financing
For Real Estate
No Upfront
No Third Party Approval
No Hidden fees
Instant Term Sheet Approval in one hour
Choose Your Project
Select the financing path that matches your Texas investment scenario.
Choose a project type to jump to the right section and start your scenario review.
Texas Fix and Flip Financing
For investors acquiring or refinancing an investment property that needs renovation before resale or repositioning. Begin with the purchase or current basis, rehab scope, line-item budget, estimated ARV, borrower contribution, experience & exit strategy.
Texas Ground-Up Construction Financing
For builders, developers and investors moving from land and planning through construction draws and completion. Begin with the land basis, plans and permit status, line-item construction budget, contractor or project team, as-complete value, liquidity and exit strategy.
Texas Fix & Flip & Ground-Up Construction
Loan Terms at a Glance
Compare loan amounts, leverage, rates, construction funding, credit guidelines and closing timelines for Texas investment properties.
Property Types: Single-Family, Multi-Family, Townhomes, Condos & Planned Unit Developments (PUD)
Loan Amount
Purchase Price Leverage
Up to 80% of Purchase Price
Project (LTC) Leverage
Project leverage subject to transaction structure
Rehab & Construction Costs
Up to 100% of Construction Cost
ARV / As-Completed Leverage
Maximum ARV / as-completed leverage
Interest Rate Range
Terms and rates vary by transaction and capital source
Pre-Payment Penalty
No pre-payment penalty
Origination / Lender Fee
Origination / lender fee
Terms
Flexible term options
Minimum Credit
No Hard Credit Pull – No Impact to Your Credit Score
Experience
First-time investor friendly
Typical Closing Timeline
Of a completed package
Required Liquidity
Of Purchase Price and Closing Cost
Appraisal / Valuation
Construction Draws
On construction funds drawn
Loan Qualification
No Income Verification Required. Qualify Based on the Property, Not Your Income.
Business-purpose and investment-property financing only. Terms, rates, leverage, fees, timing and availability vary by transaction, underwriting and capital source. No commitment to lend.
Why Investors Use DPCG
A private real estate transaction rarely fits one universal credit box. Direct Private Capital Group is a private capital advisory firm and may act as a lender, broker or referral source depending on the transaction. That structure allows the team to evaluate the scenario, identify what is missing, and determine which available financing path may fit the property, project and borrower profile. Learn more About Direct Private Capital Group and our approach to private real estate financing.
One Clear Scenario
Start with the key transaction facts instead of repeating the same story across multiple disconnected inquirie
Project- Specific Structuring
The review can account for purchase or land basis, budget, value, equity, liquidity, experience, timing and exit – not just one headline metric.
Capital- Source Fit
Depending on the transaction, DPCG may act as a lender, broker or referral source and evaluate applicable financing paths
Better Preparation
A well-packaged file can reduce preventable follow-up around title, budget, contractor information, permits, reserves & exit strategy.
Human Communication
Borrowers can submit the scenario online or call to discuss a Texas project before sending sensitive documentation through an approved secure process.
How it Works
We make it easy to get the right financing for your Texas real estate project. Here’s how the process work from start to finish.
Submit the Scenario
Provide the property/project, requested financing, budget, value, experience, liquidity, timing and exit.
Preliminary review
DPCG reviews the transaction facts and identifies missing information or questions needed for a meaningful financing review.
Structure & Capital-Source Review
Depending on the transaction, DPCG will act as a lender and evaluate applicable financing paths.
Terms / Closing Process
Any terms, approval, underwriting conditions and closing requirements depend on the applicable capital source and final documentation.
Texas Fix & Flip Financing for Purchase and Renovation Projects
Fix & Flip financing is short-term business-purpose real estate financing for an investment property that will be acquired or refinanced, renovated and then sold or repositioned. A meaningful review typically considers the purchase price or current basis, as-is condition, rehab scope, line-item budget, estimated ARV, borrower cash contribution, liquidity, experience, title, insurance, timeline, exit strategy and applicable local project requirements.
Texas Ground-Up Construction Financing for Investors, Builders & Developers
Ground-up construction financing is evaluated around the land basis and title, plans, zoning, permit status, line-item construction budget, contractor/project team, borrower equity and liquidity, schedule, contingency, draw administration, as-complete value and exit strategy. The city, county or other authority having jurisdiction must also be identified because Texas does not use one identical statewide local building-permit process for every project.
Submit Your Texas Fix & Flip or Construction Scenario
Call Direct Private Capital Group, Inc. at (800) 664-7505 or submit your initial project information online. Start with the key transaction facts; sensitive financial and identity documents should be delivered only through the approved secure process when requested.
Business-purpose and investment-property financing only. No commitment to lend. Terms and availability are subject to underwriting, state eligibility, lender/investor guidelines, market conditions, documentation, and applicable law.
What Texas Contractor, Permit, and Inspection Details Should Be Confirmed Early?
Texas construction projects use a mix of state-regulated trades, project-specific permits, and local enforcement rather than one single licensing and permitting rule that applies identically to every contractor and every project. The Office of the Texas Governor explains that Texas has no general business license and that businesses must determine the specific licenses, permits, certifications, registrations, or authorizations required at the federal, state, and local levels. For construction projects, several regulated trades are licensed at the state level: the Texas Department of Licensing and Regulation regulates electricians and air-conditioning and refrigeration contractors, and the Texas State Board of Plumbing Examiners licenses plumbing professionals. Local authorities may also require contractor registration, permits, plan review, and inspections. Confirm the authority having jurisdiction and the required trade credentials before representing a project as construction-ready.
Texas projects can also have location-specific construction and insurance requirements. TDLR states that local licensing or inspecting authorities handle inspections tied to local permitting and code requirements for electrical work. Certain commercial or public-accommodation projects can trigger Texas Architectural Barriers requirements, including plan filing and review. Along portions of the Texas coast, the Texas Department of Insurance windstorm program may require qualifying construction or repair work to meet applicable building standards and undergo windstorm inspection for windstorm-insurance eligibility. These requirements do not determine loan approval, but unresolved permits, inspections, licensing, accessibility, windstorm, tax, title, or insurance matters can delay closing or draws.
Official resources: Texas business permits and licensing guidance; Texas electrician licensing information; Texas HVAC contractor licensing information; Texas plumbing licensing information; Texas architectural barriers requirements; Texas windstorm inspection information; and Texas local property tax information.
What Documents Should You Prepare?
Initial loan scenario
- Borrower and borrowing entity name
- Property address or project location
- Property type and business-purpose use
- Purchase price or current basis
- Requested loan amount and requested position
- Current value or available valuation
- Rehab or construction budget
- Estimated ARV or as-complete value, if available
- Existing debt and payoff amount for refinance scenarios
- Desired closing date or project timeline
- Primary exit strategy
Property and transaction documents
- Executed purchase contract, if applicable
- Current title report or preliminary title information
- Existing payoff statement, if applicable
- Current tax information
- Property photos and condition information
- Existing appraisal, BPO, feasibility report, or valuation information, if available
- Leases or rent roll when the property is occupied or income-producing
Rehab or construction documents
- Detailed scope of work
- Line-item budget
- Construction schedule
- Plans and specifications
- Permit status and copies of permits when issued
- General contractor information and agreement, when applicable
- Contractor experience or project history when required
- Architect, engineer, and other key project-team information
- Contingency and cost-overrun plan
Borrower and entity documents
- Government-issued identification through the approved secure process when requested
- Entity formation documents and operating agreement
- EIN confirmation
- Ownership structure
- Credit authorization or report process required by the selected capital source
- Liquidity and reserve documentation through the approved secure upload process
- Real estate schedule or project experience summary when required
Important: Do not submit Social Security numbers, full bank account numbers, government ID, complete bank statements, or other highly sensitive records through an ordinary website text field or unsecured email. Use the approved secure document-upload process when requested. For a broader checklist of borrower and property documentation, review our Hard Money Loan Requirements.
What Commonly Delays a Texas Fix & Flip or Construction Loan?
✓ Incomplete or inconsistent budget and scope of work
✓ Purchase contract changes or unclear use of proceeds
✓ Title defects, unreleased liens, judgments, or payoff discrepancies
✓ Unsupported ARV or as-complete valuation assumptions
✓ Missing plans, permits, or unclear permit status
✓ Contractor or project-team documentation that does not satisfy the selected program
✓ Insufficient verified liquidity, contingency, or reserves
✓ Insurance coverage that does not match lender requirements
✓ Property-use, zoning, environmental, or special-purpose issues
✓ Late changes to ownership, entity structure, project scope, or requested loan amount
✓ An exit strategy that depends on unsupported resale, refinance, or stabilization assumptions
Texas Real Estate Financing Case Study
| Field | Content |
|---|---|
| Project | Texas Fix & Flip – Houston, TX Investor purchased a distressed single-family property and completed a full renovation for resale in the Houston market. |
| Purchase / land basis | $185,000 Purchase price for the property. |
| Rehab / construction budget | $115,000 Full renovation including structural, interior, exterior, and system upgrades. |
| Loan amount | $270,000 20% of purchase price and 100% of rehab costs. |
| ARV / as-complete value | $425,000 Based on recent comparable sales and after-repair market analysis. |
| Transaction structure | 12-Month Interest-Only Bridge Loan First position lien. |
| Closing timeline | Closed in 3 Business Days From application to funding. |
| Exit strategy | Sell Upon Completion Property will be listed and sold to a retail buyer. |
| Challenge solved | The property needed significant work and the borrower required 20% financing with a fast close to secure the deal. DPCG provided full capital and closed in 3 days, allowing the investor to start renovations immediately. |
Common Borrower Questions & What to Expect
Texas Markets We Review
DPCG reviews business-purpose real estate financing scenarios throughout Texas, including projects in the Dallas–Fort Worth, Houston, Austin, San Antonio and other Texas markets, subject to the property, project, capital-source guidelines and local requirements.
Frequently Asked Questions
Additional borrower-preparation guidance is available in DPCG’s loan requirement FAQs.
Yes. Texas is one of our core lending markets, and Direct Private Capital Group actively provides fix-and-flip loans for real estate investors throughout Texas. We finance non-owner-occupied investment properties for the purchase, renovation, and resale of residential real estate. Loan structures are designed around the property, renovation budget, borrower experience, and projected after-repair value (ARV).
Our focus is on fast, practical private lending solutions for Texas real estate investors, with direct communication throughout the underwriting and closing process.
Yes. Direct Private Capital Group does not require prior fix-and-flip or ground-up construction experience to be considered for financing. First-time real estate investors and borrowers completing their first project are welcome to apply.
We understand that every experienced real estate investor started with a first deal. Instead of automatically disqualifying a borrower because they have no previous completed projects, we review the property, purchase price, renovation or construction budget, projected after-repair value (ARV), borrower qualifications, liquidity, exit strategy, and the overall strength of the transaction.
Whether this is your first fix-and-flip, first ground-up construction project, or your next investment property, our team can review your loan scenario and determine available financing options.
No. Direct Private Capital Group does not require a traditional third-party appraisal for our fix-and-flip and ground-up construction loan programs. Instead of waiting weeks for a conventional appraisal to be ordered, scheduled, inspected, completed, and reviewed, we evaluate the property and loan scenario using the information provided with the transaction, including the purchase price, current property condition, renovation or construction budget, comparable market data, projected after-repair value (ARV), and overall strength of the deal.
Eliminating the traditional appraisal requirement removes one of the most common delays in the lending process. This allows our team to underwrite transactions faster, provide decisions sooner, and move qualified loans toward closing much more quickly.
Construction and renovation funds are commonly advanced through draws after required conditions are met. The exact inspection, documentation, retainage, contingency, timing, and interest procedures depend on the executed loan documents.
A lot that is already owned may be used in a ground-up construction structure. The land basis, current value, liens, plans, permits, construction budget, equity, and exit strategy all affect underwriting.
Yes, that is a common construction-financing use case. Underwriting will review the current payoff, title, project cost, new loan request, land basis, construction budget, valuation, borrower equity and liquidity, and project readiness.
DPCG’s company-provided program input references a 640+ qualifying score for certain Fix & Flip and Ground-Up Construction structures, but the same source also contains credit-screening language that requires reconciliation. The applicable credit standard and screening method must be confirmed before publication or quotation.
LTC compares the loan to project cost, while LTV compares the loan to an applicable property value. Construction and rehab loans may also consider after-repair or as-complete value. The exact leverage test depends on the selected program.
Send a concise scenario with the Texas property address, property type, purchase price or current basis, requested loan amount, rehab or construction budget, current or projected value, borrower credit range, available liquidity, experience, existing debt if any, target closing date, local permit or construction-readiness status when relevant, contractor and regulated-trade information, and exit strategy. A complete initial summary reduces avoidable follow-up.
No. A scenario submission, preliminary discussion, or term indication is not a commitment to lend, approval, rate lock, or guarantee of funding or closing. Financing is subject to underwriting and final conditions.
Submit Your Texas Fix & Flip or Construction Scenario
Call Direct Private Capital Group, Inc. at (800) 664-7505 or submit your initial project information online. Start with the key transaction facts; sensitive financial and identity documents should be delivered only through the approved secure process when requested.
Business-purpose and investment-property financing only. No commitment to lend. Terms and availability are subject to underwriting, state eligibility, lender/investor guidelines, market conditions, documentation, and applicable law.
Tell Us About Your Texas Project
Start with the transaction facts. This initial form is designed for preliminary review and should not be used to upload Social Security numbers, full bank account numbers, government ID, complete bank statements, full tax returns or other highly sensitive documents. Your information is handled through our secure process. Review our Security Statement and Privacy Policy for more information.
Compliance Disclaimer
Direct Private Capital Group, Inc. is a commercial mortgage broker and private real estate financing resource. Information on this page is provided for general informational purposes and does not constitute a commitment to lend, loan approval, rate lock, guarantee of terms, guarantee of funding, or guarantee of closing. Any financing is subject to underwriting; borrower and guarantor qualification; collateral review and valuation; title, insurance, documentation, and applicable third-party review; state eligibility; lender, investor, or capital-provider guidelines; market conditions; and applicable law. This page is intended for business-purpose and investment-property financing and is not legal, tax, accounting, investment, construction, valuation, or financial advice. Program terms, leverage, credit criteria, fees, reserves, appraisal requirements, property eligibility, and closing conditions can vary and must be confirmed for the specific transaction.