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 — the largest network of real estate investor associations in Texas, with chapters in Dallas/Ft. Worth, Houston, Austin, and San Antonio.
- BiggerPockets Texas Forum — ongoing investor discussions on Texas markets, deals, and strategy.
Ready to fund your next Texas deal? Apply Now or see our loan products.