Fix-and-Flip Loans
Purchase plus renovation funding for a property you plan to resell. For a Dallas rehab, provide a priced scope of work and a resale estimate supported by comparable properties—not just a target asking price.
Dallas · Texas
Hard Money Lenders in Dallas, TX
Need financing for a Dallas 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 Dallas 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
Investment property financing across Dallas and the wider Dallas-Fort Worth area.
How Hard Money Lending Works in Dallas, TX
- 01
Tell us about the deal
Share the Dallas-area property address, purchase price, work planned, cash or equity available and your timeline.
- 02
We review the requirement
A hard money specialist reviews the asset, budget and proposed exit, and checks any gaps in the information.
- 03
The lender reviews the deal
A lender suited to the project assesses value, your contribution and its underwriting requirements.
- 04
You review the options
The lender or broker sets out available terms. Compare interest, fees, reserves, renovation draws and the repayment date before deciding.
- 05
The lender handles closing
If approved, the transaction proceeds through the lender's documentation, title and closing requirements. Terms and timelines depend on the deal.
Why Hard Money Specialists
A national brand behind your Dallas inquiry
Hard Money Specialists is a national specialist finance brand, and Dallas Fort Worth is one of the markets we know best. We help DFW investors talk through their deals with a hard money specialist.
A real specialist, not a call center
Your Dallas inquiry is reviewed by a person who knows the DFW market. You hear back from a specialist, not an autoresponder.
Partners we know and have vetted
Financing is arranged through a small, vetted group of hard money lenders active across the Dallas Fort Worth metro.
Free help, no obligation
Talking through your Dallas deal with us costs nothing. You decide whether any financing proposal is right for you.
Hard Money Loans for Dallas Real Estate Investors
Hard money is a specialist corner of real estate finance. Rather than relying on the same assessment as a conventional mortgage, lenders look closely at the property securing the loan, your equity, the project's feasibility and how you plan to repay it.
For Dallas investors, that can mean funding a house that needs work before it is mortgage-ready, buying an investment property ahead of a longer-term refinance, or financing a development with staged construction draws. The structure should fit the project—not the other way around.
Our job is to understand the deal in front of us, and our hard money specialists explore options with lenders who genuinely consider that type of project. Every inquiry remains subject to lender criteria and approval.
More about hard money loans
Types of Hard Money Financing Available in Dallas
The property secures the loan, and the plan for repaying it is what lenders underwrite. Tell us what you are buying, what needs to change and how you intend to exit.
Investment Property Acquisition Loans
Finance for eligible non-owner-occupied purchases, including investment homes and small multifamily. Explain whether you intend to hold, improve or sell the asset so the lender can assess the right structure.
Renovation Financing
For properties that need improvements before resale or refinance. The work budget, available cash and draw schedule matter: confirm how inspections and staged releases fit your contractor's payment plan.
Bridge Loans
Short-term funding between an acquisition and a sale or longer-term financing. A clear exit is essential. If a rental refinance is the plan, work through the future lender's requirements before relying on that exit.
Construction Financing
Specialist finance for eligible development and ground-up projects, subject to lender criteria. Site ownership, plans, approvals, build costs and developer experience all help determine whether a facility is suitable.
Have a Dallas investment property in mind? Tell us about your project and explore specialist financing options.
Explore Your Financing Options Explore all loan typesHypothetical scenario · Not a funded transaction
Example Dallas Fix-and-Flip Investment
- Purchase price
- $300,000
- Renovation budget
- $50,000
- Estimated after-repair value (ARV)
- $425,000
Imagine an investor purchasing a Dallas home for $300,000, allowing $50,000 for renovations and estimating a $425,000 resale value after the work. These are illustrative inputs, not a loan offer or a profit forecast.
A lender would examine the contract price, current condition, contractor scope and whether nearby comparable sales support the estimated ARV. It would also assess your available contribution and whether the renovation and resale schedule fit the proposed loan term.
The gap between project costs and estimated resale value is not profit: financing charges, closing costs, taxes, insurance, selling costs and contingencies still need to be considered. Ask how much cash you need at closing and during the work, and what happens if the sale takes longer than planned.
What Do Dallas Hard Money Lenders Look For?
The detail determines which partners will engage. Dallas hard money lenders and private money lenders have different underwriting requirements, but a well-prepared inquiry should cover:
- The exact property location, asset type and current condition.
- Purchase price, current value and any existing debt.
- A realistic renovation scope, itemized budget and contingency.
- Evidence for estimated after-repair value, where relevant.
- Your investment experience and financial position.
- Cash or equity available at closing and during the project.
- A clear exit: sale, refinance or another documented repayment plan.
- Contract deadlines, permit dependencies and expected work schedule.
Hard Money Lending Across Dallas–Fort Worth
A deal in Dallas is not interchangeable with one in Fort Worth, Arlington or Plano. Irving, Garland, Richardson, Grand Prairie and Mesquite also need property-level assessment. A single-family rehab, a small multifamily investment and a commercial conversion can have very different budgets, buyer pools and exit requirements, even within the same city.
DallasFort WorthArlingtonPlanoIrvingGarlandRichardsonGrand PrairieMesquite
Start with the address, not just the metroplex
Use comparable properties that reflect the subject's neighborhood, condition, size and intended use. A Dallas–Fort Worth-wide resale assumption is not a substitute for evidence close to the property. For a rental exit, include realistic rent, operating expenses and the requirements of your proposed refinance.
Before finalizing a renovation budget, check which city handles the property's permits and whether the planned work needs approvals. Check title, insurance and flood exposure, and make sure the contractor's scope accounts for the property's actual condition. Identify these dependencies before treating your closing and work dates as fixed.
We help investors across the wider area with financing arranged through hard money lenders; this does not imply a Hard Money Specialists office in any of these cities. Availability depends on the asset, location and lender criteria.
Dallas property checks before you commit
- City of Dallas permits: check the relevant approval process for your address and scope of work. A Dallas postal address alone is not a reason to assume every approval is handled by the same municipality.
- Dallas Central Appraisal District: review available property and tax records, but do not treat a tax appraisal as a lender valuation or substitute for title research. Use the appropriate county's records for properties elsewhere in the metroplex.
- Dallas floodplain and drainage information: investigate flood exposure and any restrictions on proposed site work alongside insurance costs. Do this before relying on a renovation budget or development plan.
Watch Our Dallas Hard Money Loans Guide
Hard Money Loans in Dallas TX: Investor's Guide
Watch our guide to hard money financing in Dallas, including how investors evaluate renovation projects, what lenders consider and how short-term property financing may work.
How 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.