Bridge Loans Texas
Fast Texas transition capital: buy before you sell, reposition or unlock equity – up to 90% LTV, 75% cash-out, from 7.875%, closing in as fast as 5 days for residential and investment properties.
- Bridge loans in Texas close in as fast as 5 days on the value of the asset
- Up to 90% LTV to acquire, or 75% cash-out to unlock equity
- From 7.875% (subject to change), interest-only, 12-36 month terms, no prepay
- Buy before you sell – for residential and investment properties
- 620+ credit, no income or W-2 docs on investment properties; clear exit by sale or refinance
Free Texas Bridge Quote
What a Texas bridge loan is for
A bridge loan is short-term financing that spans the gap between where you are and where you’re headed. It’s secured by the property’s value – not your income – so it funds fast and buys you time: to close on the next deal before the current one sells, to stabilize or renovate before a permanent refinance, or to hit an auction or 1031 clock a bank can’t meet. Texas has swung to a buyer’s market – inventory nearly doubled from the 2021-2022 frenzy – with a ~$342,000 median and widespread price cuts, which means real negotiating room. Dallas (~$315,000, down ~4.6%), Houston (~$340,000) and value-play San Antonio give flippers deep, diverse markets, and San Antonio and Houston still led the country in numeric population growth.
You pay interest only while the bridge is in place, then retire it with a clean exit – selling the asset or refinancing into a 30-year DSCR or conventional loan.
Five ways Texas investors use a bridge loan
Buy before you sell
Acquire the next property now and repay when your current one closes.
Reposition & stabilize
Renovate or lease up, then refinance into permanent financing at the higher value.
Auction & fast close
Meet tight auction or REO deadlines with cash-like certainty in days.
1031 exchange
Hit the 45- and 180-day exchange clocks without missing your replacement property.
Cash-out to reposition
Unlock equity from a Texas property to fund your next acquisition or rehab.
Texas bridge loan terms
| Purchase LTV | Up to 90% of the as-is value of the Texas property |
|---|---|
| Cash-out | Up to 75% of value to unlock equity |
| Rate & payments | From 7.875% (subject to change), interest-only for the life of the bridge |
| Term | 12-36 months; extensions available; no prepayment penalty |
| Close | As fast as 5 days; secured by the asset, not your income |
| Credit / docs | 620+; no income or W-2 documentation on investment properties |
| Property types | Residential and investment – SFR 1-4, condos, small multifamily, mixed-use and commercial |
| Exit | Sale of the property, or refinance into a DSCR or conventional loan |
Buy-before-you-sell: a Texas bridge example
You’ve found your next Texas property but your capital is tied up in one you haven’t sold. A cash-out bridge unlocks that equity so you can move now:
| Current property value | $450,000 |
|---|---|
| Existing loan payoff | $180,000 |
| Bridge at 70% LTV | $315,000 |
| Cash unlocked to buy next deal | ≈ $135,000 |
| Interest (7.875% IO, on $315,000) | ≈ $2,067 / month while outstanding |
| Exit | Sell the original property (or refinance) and repay the bridge |
Illustrative for 2026, not a guarantee or an offer. LTV, rate, payoff and costs vary by property, credit and program. Interest-only bridge debt must be repaid at term. Business-purpose only. Equal Housing Lender.
Texas bridge loan calculator
Estimate only. Cash unlocked = (value × LTV) − existing payoff, before costs. Purchase LTV up to 90%; cash-out up to 75%.
Why bridge financing works in Texas right now
| Market | Bridge advantage |
|---|---|
| Houston | Huge, diverse economy and deep flip inventory. |
| San Antonio | Best value play – low entry, strong rental demand. |
| Dallas – Fort Worth | Top flip volume with widespread price cuts to negotiate. |
| Austin | Booming population and gentrifying neighborhoods. |
| El Paso | Affordable border metro with steady demand. |
Cities with the highest investment return in Texas (2026-2027)
| City | Why it ranks for 2026-2027 returns |
|---|---|
| Houston | Scale, affordability and diverse buyer demand. |
| San Antonio | Low entry with stable appreciation and rents. |
| Fort Worth | Growth and value versus Dallas proper. |
| El Paso | Deep affordability for cash-flow returns. |
| Killeen | Fort Cavazos military demand at low bases. |
Big projects reshaping Texas for 2027-2028
Texas’s 2027-2028 pipeline is enormous: Samsung’s ~$17 billion Taylor semiconductor fab (with its U.S. HQ moving to Plano) and a $16.5B Tesla chip contract, Tesla’s Austin operations, Oracle, and Texas Instruments’ Sherman fabs – a magnet for jobs and housing demand.
Buying near these job engines now positions your exit into the demand they create – Bridge a Texas deal near the growth →
Texas bridge programs
Acquisition Bridge
Up to 90% LTV to buy a Texas property fast, ahead of permanent financing.
Cash-Out Bridge
Up to 75% of value to unlock equity for your next acquisition or rehab.
Reposition / Stabilize
Fund lease-up or light renovation, then refinance at the stabilized value.
Auction & REO
Certainty of close in days to meet tight auction and bank deadlines.
1031 Bridge
Short-term capital to hit exchange deadlines without losing your replacement property.
Residential Buy-Before-Sell
Move to your next home before the current one sells – residential and investment.
Texas markets we bridge
We bridge deals in every Texas market. Don’t see your city? Send us the scenario and we’ll structure it.
Texas bridge loan FAQ
Can I buy a new Texas property before I sell my current one?
Yes – that is the classic bridge. We lend against the value of a property you own or are buying so you can close now and repay when your sale funds.
What is the difference between a bridge loan and a fix and flip loan?
A fix and flip loan is built around a renovation and resale, sized to rehab and ARV. A bridge loan is about timing – buying, holding or repositioning until a sale or permanent refinance, for residential or investment properties.
What is my exit?
Selling the property, or refinancing into a 30-year DSCR or conventional loan. We confirm the exit up front so the bridge stays short and clean.
How much can I borrow or pull out?
Up to 90% of value to acquire, or up to 75% cash-out on value minus any existing payoff.
What is the rate and term?
From 7.875% (subject to change), interest-only, on 12-36 month terms with no prepayment penalty.
How fast can a Texas bridge loan close?
As fast as 5 days, because the loan is secured on the asset rather than your income – and no income or W-2 docs are needed on investment properties.
Can I bridge a residential home, multifamily or commercial property?
Yes – we bridge residential and investment properties: SFR 1-4, small multifamily, mixed-use and commercial.
Get your Texas bridge loan
Tell us the property, its value, any existing loan and your exit – and get real terms fast with no income docs and no hard credit pull to quote. Financing from $75,000 to $20 million+ for residential and investment properties.
Get a Free Texas Bridge Quote
Texas bridge outlook: 2027, 2028 and beyond
A buyer’s market plus massive semiconductor and EV investment make Texas bridges effective into 2027-2028 – acquire discounted, reposition, and refinance as demand concentrates near the new fabs and plants.
Market figures are third-party estimates for 2026-2028, vary by source and submarket, and are not guarantees.
Texas bridge loan rates, LTVs and terms shown are illustrative for 2026, subject to change, and depend on the property, credit, experience and program. Business-purpose and investment properties. Not a commitment to lend. Equal Housing Lender.