Hard Money Lender Texas

Hard Money Lending in Texas

Texas is the second-largest real estate investment market in the United States and one of the most active for hard money lending. The Dallas–Fort Worth metroplex, Houston's sprawling suburban corridors, Austin's rapidly appreciating urban core, and San Antonio's steady rental market each present strong opportunities for fix & flip, DSCR, and bridge loan financing. Texas has no state income tax, a landlord-friendly legal environment, and strong population growth — making it one of the top states for real estate investors in the country. Onyx Capital Lending is a direct hard money lender closing Texas deals in as few as 10 days with asset-based underwriting and no income verification required.

Quick Stats:

  • Population: 30 million
  • Median Household Income: $67,321
  • Population Density: 111 people/square mile
  • Median Home Sale Price: $305,000
  • Median Price to Rent: $1,400/month

Lending in Texas

Onyx Capital Lending actively funds deals across all major Texas markets. In Dallas–Fort Worth, we provide fix & flip and bridge financing for investors targeting value-add single-family and small multifamily properties in neighborhoods like Oak Cliff, East Dallas, and Fort Worth's Near Southside. Houston's massive and diverse market supports everything from wholesale flips in the suburbs to DSCR rental loans in Montrose and Midtown.

Austin's higher price points make bridge loans and acquisition financing critical for competitive offers, while San Antonio offers affordable entry-level fix & flip opportunities with strong rental demand. Submit your Texas deal online, receive a term sheet within 24 hours, and close in as few as 10–21 days. No W-2s, no tax returns, no red tape.

Recent Texas Deal

Property: Fix & Flip — Single Family | Location: Oak Cliff, Dallas, TX | Loan Amount: $425,000 | LTV: 72% | Rate: 10.5% | Term: 18 months | Closed In: 11 days

Texas FAQs

Q: Do you lend across all of Texas including Houston, Dallas, and Austin?
A: Yes - Onyx Capital Lending funds deals statewide across Texas including Houston, Dallas–Fort Worth, Austin, San Antonio, El Paso, and all surrounding markets. Rural Texas properties are evaluated case by case.

Q: Does Texas have any restrictions on hard money loans?
A: Texas has specific regulations around homestead properties under the Texas Constitution, but business-purpose hard money loans on investment properties are straightforward. Onyx lends only on non-owner-occupied investment properties in Texas, which fall outside homestead restrictions.

Q: How fast can Onyx close a hard money loan in Texas?
A: Typically 10–21 business days. Texas title companies are experienced and efficient with investment property closings. Most experienced Texas investors close in 10–14 days with our in-house underwriting.

All our finance programs support the following investment options. For a complete list, please visit our loan program page:

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© 2026 Onyx Capital Lending | NMLS #2123236 | Richard Morency NMLS #1987012 | Licensed in 48 states. All loans are for business/investment purposes only. Onyx Capital Lending is not a consumer lender and does not offer personal residential mortgage loans. (401) 329-9904 | [email protected] | Equal Housing Lender.