---
title: Texas Hard Money Loans for Real Estate Investors
description: Swell Real Estate Group funds Texas real estate investors with fix & flip, bridge, new development, and rental loans. Statewide lending. Apply today.
image: https://www.swellrealestategroup.com/hubfs/Texas%20-%20Blog%20Featured%20Image.png
---

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    - [DSCR RENTAL (1-10 UNIT)](https://www.swellrealestategroup.com/rental-loans-swell-real-estate-group)
    - [FIX & FLIP OR RENT](https://www.swellrealestategroup.com/fix-flip-fix-to-rent-loans-swell-real-estate-group)
    - [TRANSACTIONAL BRIDGE](https://www.swellrealestategroup.com/bridge)
    - [NEW CONSTRUCTION](https://www.swellrealestategroup.com/construction)
    - [MULTIFAMILY VALUE-ADD](https://www.swellrealestategroup.com/multifamily-loans-swell-real-estate-group)
    - [MULTIFAMILY RENTAL (10-30 UNIT)](https://www.swellrealestategroup.com/multifamily-rental)
- RESOURCES
  
    - REAL ESTATE SERVICES
      
          - \* Properties - Private Listing (Coming Soon)
          - [\* Insurance - Flips & Rentals](https://www.obieinsurance.com/partner/swell-real-estate-group)
          - [\* Tax - Strategy & Accounting](https://primecorporateservices.com/formation/?utm_source=SwellRealEstateGroup&utm_medium=LP&utm_campaign=NA&t=3)
          - [\* Legal - Entity Formation](https://primecorporateservices.com/formation/?utm_source=SwellRealEstateGroup&utm_medium=LP&utm_campaign=NA&t=3)
          - [\* Legal - Trust Formation](https://primecorporateservices.com/formation/?utm_source=SwellRealEstateGroup&utm_medium=LP&utm_campaign=NA&t=3)
- ABOUT SWELL
  
    - [OUR TEAM](https://www.swellrealestategroup.com/aboutTeam)
    - [OUR STORY](https://www.swellrealestategroup.com/aboutStory)
    - [WHERE WE LEND](https://www.swellrealestategroup.com/aboutWhere)
- [CONTACT](https://www.swellrealestategroup.com/contact)

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where we lend

# Texas Hard Money Loans for Real Estate Investors

![Kevin Hill](https://app.hubspot.com/settings/avatar/d41d8cd98f00b204e9800998ecf8427e)

 Kevin Hill

August 21, 2026

## Texas Hard Money Loans for Real Estate Investors

Swell Real Estate Group funds real estate investors across Texas — Dallas-Fort Worth, Houston, San Antonio, Austin, and fast-growing secondary markets alike. Texas's no-state-income-tax environment and steady population growth have made it one of the most active investor markets in the country, and we structure financing to match that pace.

### Loan Products Available in Texas

- **Fix & Flip / Fix to Rent** — Up to 100% LTC and 80% ARV, built for investors renovating in competitive DFW and Houston submarkets.
- **Transactional Bridge** — Up to 85% LTC to move fast in a state where inventory turns quickly.
- **New Development** — Up to 90% LTTC for infill construction.
- **Rental Property** — DSCR-based financing for SFR to 10-unit properties, whether you're building a rental portfolio in Austin or a secondary market like San Antonio or El Paso.

### Why Investors Choose Swell in Texas

- Investor-led underwriting — our team has underwritten over $1B in loans as active investors ourselves.
- Built for Texas's pace — fast, predictable closings in a state where competitive offers move quickly.
- Flexible capital stack — a hybrid of institutional and in-house capital lets us structure terms for the deal in front of us.

### Texas Real Estate Investment FAQ

**Do I need a Texas real estate license to flip houses?**  
No — a real estate license is not required to buy, renovate, and resell investment property in Texas.

**What areas of Texas does Swell lend in?**  
We lend statewide, including Dallas-Fort Worth, Houston, San Antonio, and Austin.

### Local Resources for Texas Investors

- [Texas REIAs](https://texasreias.com/) — the largest network of real estate investor associations in Texas, with chapters in Dallas/Ft. Worth, Houston, Austin, and San Antonio.
- [BiggerPockets Texas Forum](https://www.biggerpockets.com/forums/585-texas-real-estate-q-a-discussion-forum) — ongoing investor discussions on Texas markets, deals, and strategy.

Ready to fund your next Texas deal? [Apply Now](https://www.swellrealestategroup.com/loan-request) or [see our loan products](https://www.swellrealestategroup.com/loans).

## Share this post

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## Keep reading

### [![](https://www.swellrealestategroup.com/hs-fs/hubfs/A%20clean%2c%20professional%20blog%20hero%20image%20for%20a%20real%20estate%20investing%20article%20about%20how%20hard%20money%20loans%20work.%20Include%20the%20headline%20text%20Real%20Estate%20Investing%20101.%20Visuals%20should%20show%20a%20modern%20house%2c%20loan%20paperwo%20(2).jpg?width=1680&height=944&name=A%20clean%2c%20professional%20blog%20hero%20image%20for%20a%20real%20estate%20investing%20article%20about%20how%20hard%20money%20loans%20work.%20Include%20the%20headline%20text%20Real%20Estate%20Investing%20101.%20Visuals%20should%20show%20a%20modern%20house%2c%20loan%20paperwo%20(2).jpg) Real Estate Investing 101 Points and Rates Explained: What You're Really Paying For on a Hard Money Loan](https://www.swellrealestategroup.com/insights/points-and-rates-explained-what-youre-really-paying-for-on-a-hard-money-loan)

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