Fix and flip
Purchase and renovation financing for an Austin resale. Older homes can need foundation repair, plumbing, electrical and roof work. Price the full scope and support the resale value with recent nearby sales.
Explore this financingAustin · Texas
Hard Money Lenders in Austin, TX
Need financing for a Austin property? Submit your deal and our hard money specialists will explore loan options with you. Your initial inquiry is free, with no obligation.
Tell us about your Austin deal
Tell us what you need to borrow and your plans for the property.
- Fast closings available on time-sensitive deals
- All credit considered
- Flexible financing with no fixed loan limits
Share a property in Austin and Central Texas with Hard Money Specialists and explore financing suited to your plans.
From your first inquiry to a financing decision
- 01
Tell us the situation
Use the form on this page to share the property, amount needed, timeline and what you want to achieve. Include anything that might complicate the deal.
- 02
Talk it through
A specialist reviews the details and discusses the financing routes that may suit the property and your circumstances.
- 03
Review the proposal
The lender assesses the deal. Compare the written terms, fees, draw conditions, repayment date and any extension provisions.
- 04
Complete the lender's checks
Valuation, title, documentation and any other conditions must be satisfied before funding. Confirm the actual closing requirements rather than assuming a date.
Details that help a specialist get started
- Property address, type and current condition
- Purchase contract or existing loan balances
- Amount needed and cash or equity available
- Repair scope, estimates and permit status
- Expected sale, refinance or other repayment plan
- Any deadline, notice or complication
Why Hard Money Specialists
A national brand behind your Austin inquiry
Hard Money Specialists helps borrowers in Austin and Central Texas explore specialist real estate financing. Share your deal and get a clear starting point for the next conversation.
Austin deals, reviewed individually
A Crestview renovation and a new build in Round Rock can need different funding. We start with your actual property and plan.
Holding costs taken seriously
Property taxes and insurance weigh heavily on Austin projects. We ask about them early so the loan and the budget work together.
Free to ask the important questions
Your initial Austin inquiry is free. Talk through the timeline, costs and repayment plan before choosing whether to take a proposal further.
A practical starting point for your Austin deal
Austin investors work on older ranch homes, infill builds, small multifamily properties and purchases timed ahead of a refinance or sale. Hard money loans in Austin, Texas may help in suitable situations where timing or condition rules out a conventional loan for now.
Hard Money Specialists helps you talk through the deal with a hard money specialist. Explain the work needed, your cash or equity, your deadline and how the loan will be repaid. Those details make the first conversation more useful than an amount alone.
A 1960s ranch home in Crestview, a new build on a split lot in East Austin and a rental in Pflugerville have very different costs and comparable sales. Start with the property and what the rules allow rather than a metro-wide figure.
Read the hard money loans guide
Financing options for Austin real estate
The right structure depends on the property and what comes next. These are some of the situations you can discuss with a specialist.
Construction and infill projects
For a new build, additional unit or rebuild, bring plans, zoning and permit status, contractor estimates and a realistic schedule, including utility connections.
Explore this financingRental and investment property
Single-family and small multifamily purchases can be discussed. Include rent, vacancy, property taxes and insurance, which can be significant in Texas.
Explore this financingBridge financing
Short-term funding may bridge a purchase, sale or refinance in Central Texas. Give the repayment event, evidence supporting it and a backup plan.
Explore this financingCommercial and special situations
A small commercial building, land or an urgent payoff needs a property-specific review. Share current use, occupancy, existing liens and the route to repayment.
Explore this financingWhat to check before you commit
A good financing plan starts with a workable property plan. A few local checks can uncover costs or delays before they become a problem.
Property taxes in the budget
Texas has no state income tax, so property taxes are a large holding cost. Use the actual tax rate for the address rather than a rough estimate.
What the lot allows
Check zoning and any recent changes to how many homes a lot can hold before planning an infill or extra unit. The rules decide the finished value.
Foundation and older systems
Expansive clay soils in parts of Austin can cause foundation movement. Get a foundation inspection on older homes and price the repair into the scope.
City, county and ETJ boundaries
Austin-area addresses can be in the city, its extraterritorial jurisdiction or another city in Travis, Williamson or Hays County. Confirm which office handles permits.
Useful local records
- Travis Central Appraisal District: look up parcel details and appraised values for properties in Travis County.
- Austin Build + Connect: search permits and development records for properties in Austin.
Plan for the whole cost, not just the loan
Interest and points are only part of a project's budget. Allow for closing costs, any broker fee, inspections, insurance, taxes, utilities and a repair contingency. Ask how renovation draws work and whether you must pay for completed work before reimbursement.
Compare the cash needed at closing with what you need to keep the project moving afterward. A loan that funds the purchase but leaves no room for repairs or a delay may not solve the problem.
Run the numbers for your Austin dealAustin and the surrounding region
You can send a deal in Austin or nearby Central Texas communities such as Round Rock, Pflugerville, Cedar Park, Georgetown and Kyle. Include the address and county so the discussion starts with the right records. Availability depends on the individual property and the lender.
AustinRound RockPflugervilleCedar ParkGeorgetownKyle
If a Texas foreclosure sale is approaching
Texas foreclosure sales are generally held on the first Tuesday of the month, so share the notices, sale date, outstanding debt and equity position as early as possible. Sending an inquiry does not pause a sale. A qualified Texas attorney can explain the deadlines and legal options while financing is reviewed.
Read about foreclosure bailout optionsHow Texas lending rules can affect your timeline
Texas real estate loans are usually secured by a deed of trust, and foreclosure is generally non-judicial. Trustee sales take place on the first Tuesday of the month after required notices, so timelines in Texas can move quickly once a loan is in default.
That matters on both sides of a deal. Investors buying distressed property may face tight deadlines, and owners behind on payments may have less time than they expect to refinance or sell.
Texas also has strong homestead protections and specific rules for home equity lending on a primary residence, which is one reason most hard money activity in Texas centers on investment and business-purpose property. A title company and a Texas real estate attorney can confirm what applies to a specific property.
General information only, not legal advice. Rules change and every property is different.