Where we lend · Texas (TX)
Investment property financingin Texas.
Fix & flip, DSCR rental, bridge and construction loans for investors in Houston, Dallas, San Antonio and across Texas. Pre-qualify in minutes with no hard credit pull.
The market
Investing in Texas,at a glance.
Texas is the largest real estate investment market in the country by volume. With no state income tax, massive population growth driven by corporate relocations and job creation, and strong rental demand across every major metro, Texas offers unmatched opportunities for real estate investors. Houston and Dallas-Fort Worth are the top two markets for fix and flip volume nationally. Austin continues to see rapid appreciation, while San Antonio offers strong cash flow for rental investors. The Texas market is competitive — investors who can close quickly and reliably have a significant advantage.
Markets we serve
- Houston
- Dallas
- San Antonio
- Austin
- Fort Worth
- El Paso
Why AIRE Lending in Texas
- Multiple lending programs with deep Texas lending experience
- Fast closings to compete in Texas's hyper-competitive investor market
- Programs scaled for Texas deal sizes — from $100K Houston rentals to $1M+ Dallas flips
- Understanding of Texas-specific lending regulations and property law
- Dedicated support for high-volume Texas investors doing 10+ deals per year
Programs available
What we lendin Texas.
Loan programs currently available through AIRE Lending in TX.
Fix & flip
- Rates from
- 9.0%
- Leverage
- Up to 90%
- Term
- 12 months
DSCR rental
- Rates from
- 7.0%
- Leverage
- Up to 80%
- Term
- 30 years
Bridge
- Rates from
- 9.5%
- Leverage
- Up to 80%
- Term
- 12 months
Construction
- Rates from
- 11.0%
- Leverage
- Up to 85%
- Term
- 12 months
Rates shown are based on our current lending programs and are subject to change. Actual rates depend on borrower qualifications, property type, and deal structure. This is not a commitment to lend.
Texas licensing and compliance
Texas does not require a mortgage lender license for business-purpose loans to entities for non-owner-occupied investment properties. AIRE Lending operates in full compliance with Texas lending regulations.
Questions, answered
Lending in Texas,explained.
What Texas markets do you cover?
We provide private lending across the entire state of Texas — Houston, Dallas-Fort Worth, San Antonio, Austin, El Paso, and all surrounding areas. Texas is our highest-volume state, and our team has extensive experience in every major Texas metro.
How competitive are your rates in Texas?
Texas is a highly competitive lending market, and our rates reflect that. Fix and flip loans start at 9.5%, DSCR rental loans from 7.0%, and bridge loans from 9.0%. Experienced Texas investors with strong track records regularly qualify for our best pricing.
Can I finance new construction in Texas?
Absolutely. Texas is one of our top markets for ground-up construction lending. Whether you are building spec homes in the Dallas suburbs, infill townhomes in Houston, or rental properties in San Antonio, we have construction loan programs designed for Texas builders.
Do Texas lending laws affect private loans?
Texas has specific property and lending regulations, including rules around home equity and wraparound financing. However, business-purpose investment loans to entities (LLCs) for non-owner-occupied properties are generally exempt from consumer-facing regulations. AIRE Lending is well-versed in Texas lending compliance.