Why Texas Investors Choose Adam Bartling & Team for Fix & Flip Loans
We work for you, not the banks. Our fix and flip program is built specifically for Texas real estate investors who need capital fast — and a team that understands the difference between a good deal and a deal that just looks good on paper.
Texas is one of the most active fix and flip markets in the country. Houston’s energy-sector relocations, the DFW metroplex’s corporate headquarters expansion, San Antonio’s military and medical economy, Austin’s tech corridor, and the steady population growth across every major Texas metro all generate consistent investor demand. Adam Bartling, a retired Army Captain with 22 years of military service, leads a team that brings discipline and structure to every deal — qualifying you on the strength of the property and your experience, not on personal W-2s or tax returns.
Whether you are flipping your first Texas property or your fiftieth, we structure the loan to fit your strategy from day one. That includes mapping out both exits — sell or refinance into a long-term Texas DSCR loan — before you ever close. Hard money is a tool, not a lifestyle, and we treat it that way.
Army Veteran Owned
Retired Army Captain. Service-first mentality. Structure and discipline applied to every deal.
Close in 5 Days
Move on the deal before another investor does. Most fix and flip loans close in 10–20 days.
No W-2s or Tax Returns
Qualify on the property, your credit, and your experience. No personal income documentation required.
LLC, Corp, or Trust Eligible
Close in your investment entity for liability protection and a smoother BRRRR refinance later.
Texas Market Expert
Deep familiarity with every major Texas metro and the rental dynamics that matter for BRRRR exits.
One Team, Both Loans
Same team handles your fix and flip and your DSCR refinance. No handoffs, no relearning your file.
Texas Fix & Flip Loan Terms
Transparent pricing, clear qualification criteria, and no surprise fees. Here is what every Texas fix and flip loan looks like at a high level.
Rates and terms vary by lender, deal size, and borrower profile. Contact us for a personalized quote.
Pay Interest Only on Drawn Funds
Rehab interest only begins when you draw the funds — not at closing. Keeps carry costs low while you build.
No Prepayment Penalty
Sell or refinance whenever the project is ready — no penalty, no extra fees, no fixed timeline lock.
100% Rehab Holdback
Full renovation budget funded via draw structure. Cash stays in your pocket for reserves and overruns.
Ready to Fund Your Next Texas Flip?
Get pre-qualified in minutes. No obligation, no hard credit pull until you are ready to move forward.
LET’S TALKCTA 2 of 3 · No pressure · No upfront credit check
Texas Fix & Flip Borrower Requirements
What you need to qualify — straightforward criteria, no income documents.
👤 Borrower Profile
- ✓ Corporations, Trusts, or LLCs preferred
- ✓ Strong credit profile required
- ✓ Investment experience helpful (first-timers welcome with strong credit)
- ✓ Clear exit strategy required — sell or refinance into a Texas DSCR loan
💼 Financial Requirements
- ✓ 10–15% of project costs in cash reserves
- ✓ Net worth sufficient to support loan and project scope
- ✓ No personal income verification — no W-2s or tax returns
- ✓ Bank statements to verify liquidity
🏠 Property Criteria
- ✓ Non-owner-occupied only (investment property)
- ✓ 1–4 family homes, condos, townhomes, PUDs
- ✓ Texas markets and 30+ states across the country
- ✓ Realistic ARV supported by comps
Your Exit Strategy: Flip It or Hold It
One of the biggest advantages of working with Adam Bartling & Team is flexibility at the finish line. You do not have to decide your exit before the deal is done — but we map out both paths from day one so you have options.
Option A: Sell for Profit
Complete the renovation, list the property, and sell. With no prepayment penalty, you keep every dollar of margin at closing. Best fit for active Texas markets like Houston, Dallas-Fort Worth, and Austin where ARV ceilings are healthy and days-on-market are short.
Best for: Short-term profit takers · Active metros · High-ARV deals
Option B: Refinance into a Texas DSCR Loan
Once the property is renovated and rented, refinance your fix and flip into a long-term Texas DSCR loan. Qualify on the property’s rental income — no W-2s, no tax returns — and keep the property in your LLC.
Best for: Buy-and-hold investors · Portfolio builders · LLC holders
The BRRRR Strategy — Built into Our Program
Buy. Rehab. Rent. Refinance. Repeat. The BRRRR strategy is how Texas investors recycle the same dollar into deal after deal — and it depends on having the right two loans in place at the right times.
Why BRRRR Works in Texas
Texas markets have the rental demand to support the “Rent” step — military bases in San Antonio, El Paso, and Killeen; corporate relocations into DFW and Austin; medical and energy growth in Houston. That demand makes the DSCR refinance step achievable, which is the move that recycles your capital.
No W-2s required at any stage. Close in LLC throughout. One team handles both loans.
Buy
Acquire below market with our fix and flip loan — close in 5–20 days.
Rehab
Renovate using the 100% rehab holdback. Pay interest only on drawn funds.
Rent
Place a tenant. Rental income is what qualifies the next step.
Refinance
Pay off the fix and flip with a Texas DSCR loan. Pull capital out tax-free.
Repeat
Redeploy the recycled capital into the next Texas deal.
Simple 4-Step Process
From the first conversation to funding in as few as 5 days. Here is what to expect.
Quick Application
Submit your deal details — purchase price, rehab budget, ARV estimate, exit plan. No lengthy forms, no hard credit pull yet.
Fast Review
We evaluate the property comps, your experience, your liquidity, and your exit strategy. Most deals get a same-day or next-day initial response.
Term Sheet
Receive a no-obligation term sheet with clear pricing — loan amount, rate, points, holdback structure, and fees. No surprises.
Close & Fund
Close in 5–20 days. Draw rehab funds as work is completed. We stay in the file until your exit — sale or DSCR refinance.
Texas Fix & Flip Markets We Finance
Active Texas investment markets where we fund rehab projects — and where the BRRRR strategy has the rental demand to support a long-term hold.
Investing outside Texas? We are licensed in 30+ states. Contact us to confirm your market →
Texas Fix & Flip Loan FAQs
Common questions from Texas investors — answered plainly. Ask us anything →
How fast can I close on a Texas fix and flip loan?+
We can close in as few as 5 days from deposit, depending on property condition and documentation. Most fix and flip loans close within 10 to 20 days. Speed is one of the biggest advantages of hard money over traditional financing — when you find the right deal, you can move on it before another investor does.
Do I need to verify my income for a Texas fix and flip loan?+
No. Our fix and flip program qualifies you based on the property value, your credit score, and your investment experience — not your personal W-2s or tax returns. This is one of the main reasons real estate investors choose hard money: it lets you move quickly without the income documentation a conventional lender would require.
How does the rehab holdback work on a fix and flip loan?+
We fund 100% of your renovation budget in a holdback at closing. As you complete each phase of work, you submit a draw request and we release the funds for the completed phase. You only pay interest on funds you have actually drawn — not on the full holdback — which keeps your carrying costs low while the project is in progress.
Can I purchase a Texas investment property in an LLC?+
Yes — and we prefer it. Most fix and flip investors close in an LLC, Corporation, or Trust. Holding the property in an entity provides liability protection and makes the eventual transition to a long-term DSCR loan much smoother if you decide to hold the property as a rental instead of selling.
What is the maximum loan to ARV for a Texas fix and flip loan?+
The maximum loan-to-After-Repair-Value (ARV) is 70%. This cap includes both your acquisition cost and your financed rehab budget combined. The 70% rule keeps your equity position protected and ensures the deal still works even if the market softens during your renovation timeline.
Can I refinance my fix and flip into a DSCR loan instead of selling?+
Yes — and many Texas investors do exactly that. Once the property is renovated and rented, you can refinance your short-term fix and flip loan into a long-term DSCR loan. DSCR loans qualify based on the property’s rental income, not your personal income, and you can keep the property held in your LLC. This is the foundation of the BRRRR strategy.
What is the BRRRR strategy and how does it work in Texas?+
BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. You use a fix and flip loan to acquire and renovate a Texas property, place a tenant, then refinance into a DSCR long-term loan that pays off the fix and flip and returns most of your capital. You then redeploy that capital into the next deal. Texas markets like Houston, Dallas, and San Antonio have strong rental demand that supports this strategy.
What credit score do I need for a Texas fix and flip loan?+
A strong credit profile is required. Minimum scores vary by deal size and experience level — first-time investors typically need higher scores than experienced flippers. Credit is one of three qualifying factors alongside the deal itself and your liquidity. We will review your specific situation and tell you exactly what you qualify for.
How much cash do I need to bring to a Texas fix and flip closing?+
Plan on 10 to 15 percent of total project costs in cash reserves to cover your portion of the down payment, closing costs, and a buffer for surprises during renovation. The exact amount depends on your loan-to-purchase ratio and the rehab scope. We will work the numbers with you on every deal so you know your cash-to-close before you commit.
Is there a prepayment penalty on Texas fix and flip loans?+
No. There is no prepayment penalty on our fix and flip program — you can sell or refinance out at any time without paying extra fees. This flexibility is critical for investors because it lets you move on the deal as soon as the property is ready, whether that is week 8 or month 18.
About Adam Bartling
🎖️ Retired Army Captain · Loan Officer · NMLS# 2213358
Adam Bartling is a Retired Army Captain with 22 years of U.S. military service and a licensed Texas Mortgage Loan Officer. His team specializes in investor financing across Texas and 30+ states — from fix and flip hard money for the acquisition and rehab phase, to long-term DSCR loans for the buy-and-hold exit. Education-first approach. Military-grade integrity. No high-pressure tactics, ever.
As a direct lender shopping multiple lenders for every client, Adam structures the deal to fit your strategy from day one — including mapping both potential exits before you ever close. He treats hard money as a tool, not a lifestyle, and he tells you straight when a deal does not work.
What Texas Investors Say
★★★★★
“Closed in 7 days on a flip in Spring Branch. Adam’s team funded 100% of the rehab on a holdback and walked me through draw requests like clockwork. Sold for $112K over ARV estimate. Already on deal #3.”
Marcus T. — Houston, TX
★★★★★
“Used the fix & flip + DSCR pairing to BRRRR my way into 4 rental properties in 18 months. Adam set me up with DSCR loans on all four — qualified on rental income alone, closed in my LLC. Now I’m scaling faster than ever.”
Derek & Priya S. — Dallas, TX
★★★★★
“First flip and I was nervous. Adam ran the numbers honestly, mapped both exits, and helped me decide to hold instead of sell once rents firmed up. Refinanced into a DSCR. Same team, both loans. Wouldn’t go anywhere else.”
Lauren K. — Austin, TX
Ready to Fund Your Next Texas Investment Property?
Whether you are planning to flip or hold, Adam Bartling & Team will help you move fast, structure the deal right, and plan your exit from day one. Veteran-owned. Investor-focused. No pressure.
LET’S TALKFree consultation · No obligation · No upfront credit check
Adam Bartling & Team · Loan Officer NMLS# 2213358 · Serving Texas & 30+ States · Equal Housing Lender
This page is for informational purposes only and does not constitute a commitment to lend. Loan terms, rates, and eligibility subject to change without notice. Hard money fix and flip loans are short-term investment financing and are not available for owner-occupied residential properties.