Hard Money Loan

Hard Money Loan Texas Programs

Commercial – Investment – Residential
Up To 90% of Purchase, 100% of Rehab



Fix To Rent Home Loan

    • 1-500+ properties

    • Single-family, 2-4 units, condos, townhomes, multifamily

    • 5yr, 7, 10 and 30 year terms

      • Up to 90% of cost

    • Up to 100% of rehab

    • Up to 75% of completed value

    • $70,000 – $250 million

Fix and Flip Home Loan

    • 1-500+ properties

    • Single-family, 2-4 units, condos, townhomes, multifamily

    • 12 To 24 month terms

      • Up to 90% of cost

    • Up to 100% of rehab

    • Up to 75% of completed value

    • $100,000 – $250 million

Multi Family /
Commercial Real Estate

        • 1-50+ properties

        • Multifamily, condos, student housing, 
        • mixed use w/ majority residential

        • 12, 24 mo., 5,10,30,40 year terms

        • Up to 100% of cost

      • $1M – $250M

      • Bridge, Construction, Permanent, Refi.

CambridgeHomeLoan.com is #1 Hard money and Bridge lender in Texas, we have gained our reputation as the fastest hard money lender in multifamily, investment and bridge loans because we know how critical each day is in the competitive real estate market. 


Lending Parameters

Loan Size $100,000 to $250,000,000
Rehab Funding
Up to 100% of the cost
Up to 85% of the ARV or 100% LTC
12–36 months
First Lien; Second Lien as additional collateral only
Interest Rate
6.0% – 12%
1–4% of the loan amount

Why Should I Use A Hard Money Loan In Texas

    1. If you need to close fast. While applying for a loan at your typical bank in Texas, it may take months for them to review your loan application, CambridgeHomeLoan.com offers the same day fix and flip | fix to rent |hard money loan approvals in Texas, and we can fund in as little as 5 days.


    2. If the property isn’t stabilized. Many times, it’s not just a question of time, but it’s the actual property or asset that you are purchasing that a traditional bank just will not finance.  Some examples include a property that requires additional funds to rehab, ones that are missing a Certificate of Occupancy (CO), or others that do not have a strong rental history.  Hard money lenders in Texas such as CambridgeHomeLoan.com will be able to fund a property when a bank can’t.


    3. What if my credit is poor .  CambridgeHomeLoan.com understands that there are events  in peoples lives that negatively influence their credit score. Therefore, we are mostly concerned with the value of the real estate asset, rather than debt-to-income ratios when considering funding a loan. FICO always plays a roll, but not nearly as much.


    4. What If don’t want to have a loan in my personal name.  A traditional bank is most likely to require that your investment property be owned directly by the individual they are making the loan to.  This is a liability risk to any investor. Setting up a property in an LLC. is just good business sense and whether you are buying your first property or your fiftieth, setting up an LLC. helps protect you from a myriad of pitfalls if one were to occur. Obtaining a hard money loan to acquire your property in an LLC. will help you protect your assets in Texas for the long term

Hard Money Fix and Flip and Fix To Rent Loans
Up To 90% of Acquisition | 100% of The Rehab!
MultiFamily Loans up to 100%
Interest Only!  5 Day Close!!


Why Choose A Texas Hard Money Lender

Our principal opened the  Texas market back in 1998 and although we now lend nationwide, CambridgeHomeLoan.com takes pride in their roots and the success that the Texas real estate markets brought to us. Being a local Texas hard money lender and understanding the various cities and township in Texas allows us to move quickly and overcome obstacles that many other lenders cannot. For example, we understand many of the rent regulations and permitting in the various markets.  We understand the continued development of hightways bridges and schools in and around the various Texas markets. We can help our clients take advantage of some of the best investment real estate returns in the country that exist right in the Texas markets.

Financing your Texas Investment Property

Texas is a thriving real estate market that offers close proximity to major cities and job markets such as Houston, San Atonio, Dallas and Fort Worth The state overall has a very strong underlying economy, and major resident industries that consist of  just about every sector you can imagine.

As a result, the Texas real estate market is extremely robust and offers excellent opportunities  for investors to capitalize on their returns.

As Texas premier hard money lender CambridgeHomeLoan.com is here to help you succeed profitably in this competitive market.

CambridgeHomeLoan.com is an asset-backed Lender and Focused on Customized Solutions

With our knowledge of Texas fix and flip market, CambridgeHomeLoan.com is able to work out and structure creative solutions that fit your hard money financing needs.  We fund loans based on the value of the asset so in some cases we were even able to finance more than 100% of the purchase price and rehab amount. 

CambridgeHomeLoan.com can also provide your take out financing in the form of a 30 OR 40 year loan or a portfolio loan  for investors with 5 or more properties. These loans today start in the low 3% interest rate range.

Give us a call or apply for a loan today! 800-826-5077

Texas Hard Money Lender

We can fund hard money loans in 3–5 days

If you are looking for a Texas hard money lender, give us a call

What Are The Top 5 Investment Real Estate Markets To Invest In TexasToday!

Top 5 Best Real Estate Investment Fix and Flip Markets in Texas Today!


While looking for your investment properties in the various Texas markets,  try to locate homes or buildings that are located near schools, buses or train lines that lead to larger cities if you are looking to buy and hold or rent year round.  The majority of the job markets are in in the big cities.  There are plenty of opportunities for those who are looking for a VRBO or  vacation rental strategy as well. When buying in the South which is a growing and competitive market, a local realtor will be extremely helpful to
 finding the best investment properties in Texas

The San Antonio Texas Investment Real Estate Market

By big city standards San Antonio Texas has an affordable housing market. The housing market her has huge upside for house flippers. With companies like CambridgeHomeLoan.com providing high leveraged hard money loans for house flippers in Philly, profits are some of the highest in the country.  It is true that the South can have high renovation costs but even so, the profit margins are some of the highest in the nation.

In San Antonio Texas the house flipping market is on fire. In Q2 of 2019 the market has grown over 46%. Even during the Covid Pandemic with investment dollars drying up the market in San Antonio Texas is starting to do well.

Something that helps the San Antonio market along is a relatively moderate average purchase price. There are a large number of real estate agents per capita and a large number of house flips as a percentage of sales and great access to some amazing parks and playgrounds

San Antonio Texas house flippers get the best return on their investment even though the average full remodeling costs are quite high. CambridgeHomeLoan.com’s Hard Money Loan for fix and flip loans funds in as little as 5 days and provides leverage up to 90% of the purchase price and 100% of the rehab.

The Austin Texas Investment Real Estate Market

For many years the Austin real estate market has been one of the top places to invest in real estate in the United States. The reasons are numerous. However, what’s of even more interest to property investors that why the Austin Texas housing market has been so profitable is whether this trend will continue in 2020. The short answer to this important question is of course, YES! This US region’s home-flippers are buying up investment homes for a median purchase price of $63,500 and selling them for a median sale price of $150,325, That is $87,000 in average gross profit and a whopping 136.7 percent return on investment, according to ATTOM data for last year’s third quarter report.

Anyone in the real estate industry knows that demographics is one of the leading determinants of the performance of a housing market in the US or elsewhere. Austin is the fourth  largest city in Texas and the 11th most populated one in all of the US with its population of 940,000 residents. Moreover, Austin’s population grows almost 3 times faster than the national average – mostly owing to high immigration – and comprises of many young people, including numerous fresh graduates of the universities and colleges located in the city.

Importantly, U.S News & World Report ranked the capital of Texas as one of  the best place to live in the US in 3 consecutive years: 2017, 2018, and 2019. All these facts and indicators come together to determine the strong performance of the Austin real estate market in recent years which is expected to continue in 2020 and beyond.


Dallas Texas Investment Real Estate Market 

Located in Northern part of Texas, Dallas is the 4th most populated metropolitan area in the nation. Historically, Dallas was one of the most important centers for the oil and cotton industries due to its strategic position along numerous railroad lines.
Due to Texas business friendly environment, lower cost of doing business , lower cost of doing business and lower taxes

Top 3 Reasons to Invest in the Dallas Real Estate Market in 2020

Job Growth: Dallas has significant job growth. In the last year, Dallas added 100,200 new jobs to their economy, with an annual growth rate of 2.70%, which is significantly higher than the national average of 1.47%. This shows us that there are more jobs being created in the Dallas area than most other U.S. cities today.

Population Growth: Dallas’ population is growing rapidly. The population in Dallas has increased by 17% over the past 8 years, which is 201% faster than the national average. This shows us that people are moving to Dallas at a higher rate than most other cities across the nation today.

Affordability: In the neighborhoods where RealWealth members invest, the median price of 3 bedroom homes was $145,000 in 2019. This is 35% lower than the national average of $222,000. This shows us that home values and monthly rents are rising more quickly than most other cities across the nation.

Fix and Flip Investor Loans in Houston Texas

Houston is home to 49 Fortune 1000 companies as well as the largest medical center in the worlds. The Texas Medical Center.  The Texas Medical Center is located in Houston  and gets an average of 7.2million visitors a year.  

Houston is a stable landlord friendly market that offers both cash flow and equity growth.  You can still buy properties here well below their replacement value and continues to be a great place to invest.


The Houston region is one of the most important industrial bases in the world and ranks No. 2 in manufacturing GDP in the U.S. It has the largest medical complex in the world, the Texas Medical Center, which provides clinical health care, research and education at its 58 institutions. Houston Housing Statistics:
* Current Median Home Price $175,000
* Median Rent Per Month $1,517
* Median Household Income $75,337
* Metro Population $6.9 Million

Some of the best areas to invest in the Houston Texas market include: Kingwood, TX., El Lago, Houston Tx., Clear Lake, Houston Texas, Addicks Park Ten, Houston Tx., Taylor Lake Village, Houston, Tx., Greatwood Tx., Houston Tx., and New Territory Houston Texas. 

With hard money and private equity loans and great leverage available Texas and the Texas area are a boom for real estate investors in Texas.   More information on investing in Texas can be found below!   Houston Texas is the #1 city for fix and flip loans in Texas!


Below are just of few of the hottest cities in Texas to flip a house in Texas in 2021  


Due to massive flood damage in recent years, Houston has become a hotbed for investors that want to profit from house flipping. The median home price in Texas is typically high, though due to flood damage many investors are acquiring homes at crazy low prices resulting in fantastic returns.


Low home prices combined with low renovation as well as remodeling costs work together to help investors maintain sizeable returns. With a population of over 600,000  and growing, flipping a home in El Paso Texas is another hotspot in Texas to flip a house. 


San Antonio boasts one of the nation’s fastest-growing cities in recent years. Home prices are soaring with no end in site. 


Due to the high cost of living homeowners are migrating to Killeen Texas. This combined with the new companies moving in and Fort Hood expansions make it the perfect place to flip a home in Texas. 


Grand Prairie and Arlington are located between Fort Worth and Dallas. Many families are moving back out of the cities. and to the suburbs making demand high for newly rennovated homes. Solid place to invest with no downside in the forecast.


This “Hot” market has low renovation and remodeling costs. That fact, combined with the low median home value, makes this city perfect for investors who want to invest a smaller portion of their cash. Investors can even look for beachfront properties or homes that are merely a short distance to the water.

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CambridgeHomeLoan.com is the fastest Hard Money Lender in Texas


Lubbock Texas has been a good are to flip homes for years. As are many college towns Lubbock continues to grow in size and with young families and graduates that continue to grow this areas population. 


Seguin Texas is opportunistic on a number of fronts. Sitting 30min from San Antonio and 45 minutes from Austin, Seguin Texas is home to many industrial companies that continue to grow and more people to the area. Home values continue to rise here and the population continues to grow steadily.


Round Rock Texas is home to Dell, Emerson and Westinghouse, just to name a few.  As a suburb of Austin, sitting right on I-35 Round Rock is an ideal place for investment homes. As more and more residents flee the city looking for homes that are not in need of repair, Round Rock can be a very profitable place to build your portfolio. 


Riches are made in oil country. With the recent pullback in oil production in the US., this city has some good buys and a low cost to rennovate leading to healthy profit margins. 

For real estate investors, a lull in the oil and gas industry generally creates a glut of home foreclosures that savvy investors can snatch up.

Top Texas Counties Covered

CambridgeHomeLoan.com has found these to be the top borrowing counties in Texas. We now fund Nationwide!

  • Harris County
  • Dallas County
  • Tarrant County
  • Bexar County
  • Travis County
  • Collin County
  • Hidalgo County
  • El Paso County
  • Denton County
  • Fort Bend County
  • Montgomery County
  • Williamson County
  • Cameron County
  • Nueces County
  • Brazoria County
  • Bell County
  • Galveston County
  • Lubbock County
  • Webb County
  • McLennan County
  • Brazos County
  • Hays County
  • Ellis County
  • Midland County
  • Johnson County
  • Ector County
  • Guatalpe County
  • Taylor County
  • Comal County
  • Randall County
  • Wichita County
  • Potter County
  • Kauffman