Texas Fix & Flip Loans for
Real Estate Investors
Fast, flexible hard money financing for residential rehab projects. Purchase and renovate Texas investment properties with speed and confidence — close in as few as 5 days. Flip it or hold it: your exit, your choice.
LET’S TALK
Free consultation • No obligation • No upfront credit check
📋 On This Page
We Work for You — Not the Banks. Our Fix & Flip loan program is built specifically for residential real estate investors who need capital fast. This low-documentation program lets you purchase and rehab properties to either sell for profit or refinance into a long-term hold once completed.
Qualification is based on property values, credit score, and your experience — no personal income verification required. Whether you’re flipping your first property or your fiftieth, Adam Bartling & Team will help you move quickly and maximize your returns.
Texas Fix & Flip Loan Terms
Transparent pricing and clear qualification requirements — no surprise fees.
No Interest on Rehab Until Draw
Interest on rehab funds only begins when you draw them — not at closing.
No Prepayment Penalty
Sell or refinance out anytime without extra fees — you control the timeline.
100% Rehab Funded
Full renovation budget financed via draw holdback structure — cash stays in your pocket.
Ready to Fund Your Next Texas Flip?
Get pre-qualified in minutes. No obligation, no hard credit pull until you’re ready to move forward.
LET’S TALKNo pressure. No upfront credit check. Just honest answers.
Texas Fix & Flip Borrower Requirements
What you need to qualify — straightforward criteria, no income documents.
👤 Borrower Profile
💼 Financial Requirements
Your Exit Strategy: Flip It or Hold It
One of the most powerful advantages of working with Adam Bartling & Team is flexibility at the finish line. You don’t have to decide your exit before the deal is done.
Option A: Sell for Profit
Complete your renovation, list the property, and sell. No prepayment penalty means you keep every dollar of your margin when you close. Ideal for investors targeting quick, high-return flips in active Texas markets like Houston, Dallas, and Austin.
Best for: Short-term profit takers | Active markets | High ARV deals
Option B: Refinance Into a DSCR Loan
Changed your mind and want to hold? Once the renovation is complete and the property is rented, refinance your short-term fix & flip loan into a long-term DSCR loan. Qualify on the rental income — no W-2s, no tax returns — and keep your LLC structure in place.
Best for: Buy-and-hold investors | Portfolio builders | LLC holders
The BRRRR Strategy — Built Into Our Program
Buy. Rehab. Rent. Refinance. Repeat. Texas investors use our Fix & Flip loan to fund the acquisition and renovation, then transition directly into a DSCR loan once the property is tenanted — pulling out their capital to redeploy into the next deal.
No W-2s needed at any stage. Close in LLC throughout. One team handles both loans.
Simple 4-Step Process
From application to funding in as few as 5 days.
Quick Application
Submit your deal details online or by phone — no lengthy forms.
Fast Review
We evaluate the property, your experience, and your exit plan.
Term Sheet
Receive a no-obligation term sheet with clear pricing — no surprises.
Close & Fund
Close in 5–20 days, draw your rehab funds as work is completed.
Texas Fix & Flip Loan FAQs
Common questions from Texas investors — answered plainly.
How fast can I close on a Fix & Flip loan?
We can close in as few as 5 days from deposit, depending on property condition and documentation. Most loans close within 10–20 days.
Do I need to verify my income?
No. Our Fix & Flip program qualifies based on property value, credit score, and investment experience — not personal income or tax returns. No W-2s needed.
How does the rehab holdback work?
We fund 100% of your renovation budget in a holdback. As you complete work, you submit draw requests and we release funds for completed phases. No interest until funds are drawn.
Can I use an LLC to purchase the property?
Yes — we prefer borrowers use LLCs, Corporations, or Trusts for investment properties. This provides liability protection and makes the BRRRR refinance transition much smoother.
What is the maximum loan to ARV?
Maximum loan to After Repair Value (ARV) is 70%. This cap includes both your acquisition cost and all financed rehab costs — keeping your equity position protected.
Can I refinance 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 fix & flip into a long-term DSCR loan. No W-2s required, LLC-eligible, no hard refinance deadline.
What if I’m a first-time investor?
New investors can qualify with a strong credit profile and a clear exit strategy. Our team will guide you through your first Texas flip — evaluation, draw process, and exit planning included.
What Texas markets do you serve?
We finance fix & flip projects across all of Texas — Houston, Dallas-Fort Worth, San Antonio, Austin, El Paso, and beyond. We’re also licensed in 30+ states, so out-of-state investors are welcome.
Texas Fix & Flip Markets We Finance
Active Texas real estate investment markets where we fund rehab projects — and where the BRRRR strategy has strong rental demand.
Investing outside Texas? We’re licensed in 30+ states. Contact us to confirm your market →
Explore More Loan Programs
Ready to Fund Your Next Texas Investment Property?
Whether you’re 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.
LET’S TALKFree consultation • No obligation • No upfront credit check
About the Author: Adam Bartling
Loan Officer NMLS# 2213358 | Veteran-Owned
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 — from fix & flip hard money to DSCR long-term holds — across Texas and 30+ states. Education-first approach. No pressure. Military-grade integrity.
Texas & 30+ States
Adam Bartling & Team | Loan Officer NMLS# 2213358 | Movement Mortgage NMLS# 39179 | Licensed in Texas & 30+ States | This page is for informational purposes only and does not constitute a commitment to lend. Loan programs subject to change. Hard money loans are short-term investment financing and are not available for owner-occupied residential properties.