Where we lend · Texas
Investment property financingin Houston.
Fix & flip, DSCR rental, bridge and construction loans for real estate investors in Houston, Texas. Pre-qualify in minutes with no hard credit pull.
The market
Why investors lookat Houston.
Houston is the largest city in Texas and one of the most active real estate investment markets in the country. With a diverse economy anchored by energy, healthcare, and aerospace, investors find consistent demand across single-family flips, multifamily rentals, and new construction. Affordable entry prices and strong rental yields make Houston a top destination for both first-time and institutional investors.
Neighborhoods investors target
- The Heights
- Third Ward
- Montrose
- Spring Branch
- Alief
Houston at a glance
- Median home price
- $325,000
- Population
- 2,300,000+
- Programs available
- 4
Programs available
What we lendin Houston.
4 loan programs available in Texas.
Fix & flip
Fix & Flip
- Leverage
- Up to 90%
- Term
- 12 months
- Loan amount
- $75K – $3.0M
DSCR rental
DSCR Rental
- Leverage
- Up to 80%
- Term
- 360 months
- Loan amount
- $75K – $2.0M
Bridge
Bridge Financing
- Leverage
- Up to 80%
- Term
- 12 months
- Loan amount
- $100K – $5.0M
Construction
Ground-Up Construction
- Leverage
- Up to 85%
- Term
- 12 months
- Loan amount
- $150K – $5.0M
Questions, answered
Lending in Houston,explained.
What are hard money loan rates in Houston?
Hard money loan rates in Houston typically range from 9% to 13% depending on the loan program, your experience level, credit score, and loan-to-value ratio. AIRE Lending offers multiple lending programs to find you the most competitive rate available for your specific deal.
How fast can I close on a hard money loan in Houston?
Most hard money loans in Houston can close in 7 to 21 days, significantly faster than conventional financing. Bridge loans and fix & flip loans with clean title and completed due diligence can close even faster.
Do I need experience to get a hard money loan in Houston?
Not necessarily. While experienced investors may qualify for better rates, several of our lending programs are designed for first-time investors in Texas. We will structure the right program based on your experience level.
What types of investment properties can I finance in Houston?
We finance single-family homes, townhouses, condos, duplexes, triplexes, fourplexes, and small multifamily properties in Houston and throughout Texas. Both residential and mixed-use investment properties are eligible.