Allen’s Trusted Hard Money Lender for Real Estate Investors

Ready to close faster and expand your portfolio? We provide builders, landlords, and real estate investors in Texas with reliable capital backed by institutional funding and deep construction lending expertise. Expect quick approvals, smooth draws, and tailored terms on our Allen hard money loans to keep your real estate investments moving.

Whether you need fix-and-flip financing, bridge loans, or new construction funding, we deliver speed, flexibility, and reliability as trusted private money lenders for ambitious real estate investors. We underwrite quickly, fund decisively, and guide every step so your projects stay on schedule and your returns compound.

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Fast, Reliable Capital for Your Next Real Estate Deal

A leader to real estate investors, we pair institutional reliability with the agility of a direct hard money lender. As a private money lender in Allen, we offer competitive loan programs for fix and flip, new construction, rental property loans, and short-term bridge financing. We move fast, tailor terms to each deal, and support growth from first purchase to scale, helping real estate investors build durable portfolios with confidence.

Fix & Flip Loans

Fix & Flip Loans

Ready to move on a value-add opportunity? Our fix & flip loans in Allen deliver fast short term financing with the speed and flexibility of a hard money rehab loan. We fund purchases and renovations, support the BRRRR method, and tailor fix and flip funding to local timelines. By underwriting the After Repair Value (ARV), we increase leverage, protect cash flow, and help you close quickly with clear terms and reliable draws.

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New Construction Loans

New Construction Loans

Secure flexible financing for ground up construction with our private construction loans. We fund single family spec homes, multi unit residential communities, and mixed use developments with speed and clarity. As a trusted private construction lender serving Allen, we align a streamlined staged draw process to your milestones, keeping cash flowing for lot acquisition, horizontal improvements, and vertical build. Count on practical guidance, responsive underwriting, and local insight to help you break ground and finish strong.

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Bridge Loans

Bridge Loans

When timing matters, we step in with hard money bridge loans that provide critical interim financing, helping you move before conventional lenders can. Rely on our gap financing to quickly acquire an investment property or stabilize one before it qualifies for permanent financing. Backed by local insight, our real estate bridge loans in Allen deliver fast, reliable capital and a collaborative process, so we keep your deals moving forward while staying aligned with your goals.

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DSCR Loans

DSCR Loans for Rental Properties

Allen DSCR loans centered on the Debt Service Coverage Ratio help investors qualify using property cash flow, not wages. These no income verification rental loans operate as asset based loans, delivering practical landlord financing for growing portfolios. Use investment property mortgages to purchase long-term rentals or scale STR and MTR holdings, expedite closings, and align payments with performance, while focusing on occupancy, market strength, and sustainable cash flow to support resilient returns and straightforward expansions.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Unitas blends institutional reliability with entrepreneurial agility; as a trusted hard money lender near Allen, we navigate complex real estate deals and deliver fast funding, helping projects move forward with clear timelines, responsive communication, and decisive approvals.

  2. More Ways to Say ‘Yes’ to Your Deal.
    With an expanded credit box and creative underwriting, we finance projects others decline, moving fast on investments and deadlines; our Allen hard money lending experts assess collateral and craft structures that keep deals alive when conventional lenders hesitate.

  3. Certainty From a Direct Lender.
    As a direct hard money lender serving Allen, we deploy our own capital to move fast, deliver transparent terms, and close reliably. With streamlined direct lending, swift loan approval, and verified processes, you receive secure funding and predictable timelines.

  4. Faster Funding, Faster Draws.
    Timing drives deals, so our loan process in Allen moves fast, delivering fast funding, streamlined closings in 10 days, and quick construction draw releases; we stay responsive to keep your projects moving and profits on track.

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Get Pre-Approved in 24 Hours
Apply today and secure funding for your next investment property in Allen.

FAQs

Who qualifies for a hard money loan from Unitas Funding?

Looking for a long-term partner for your deals? Our hard money investor loans suit operators who value reliable capital and prefer a steady private money lending relationship over the cheapest rate. We deliver fast funding at the offer stage, after a term sheet, and through the entire draw process, supporting real estate investments held in an LLC or corporation. With hard money lending in Allen, we understand both construction and capital, pairing construction loans with responsive servicing. If you need a lender who moves decisively and communicates clearly, we’re ready to help keep your projects moving.

What is required to apply for a Unitas real estate investment loan?

Start your real estate investment loan process with a business entity—LLC or corporation only—never individuals; funds are for investment or business use exclusively. For investment property financing in Allen, we review a streamlined loan application with core documents, including entity formation records, operating agreements, tax returns, purchase contracts, rehab budgets, and rent rolls.

- Background Check
- Bank Statements
- Certificate of Good Standing
- Credit Report
- EIN Letter
- Government-issued ID
- Purchase and Sale Agreement

What credit score do I need for a hard money loan from Unitas?

We fund business purpose loans for qualified investors with strong histories, and we assess a hard money loan using the median FICO score from a tri-merge report (or the lower of two). If a representative credit score is under 600, investment property loans aren’t available. This disciplined approach helps us deploy reliable capital fast while offering competitive terms on private loans in Allen and beyond, tailored to each deal’s timeline, leverage needs, and exit strategy.

Do you lend to first-time real estate investors in Allen?

From preapproval to closing, we finance investors with first time real estate investor loans and options for seasoned pros. Whether it’s your first fix and flip in Allen or an expansion with our rental property loans, we tailor loan programs to timelines and exit strategies. Expect fast, accessible capital, straightforward terms, and responsive underwriting. Our streamlined process delivers reliable fix and flip funding and clear guidance so you can compete, move quickly, and complete projects on schedule.

Is income verification required for investment property loans from Unitas?

Skip the paystubs—no personal income verification is required for our investment property loans. We offer private real estate loans in Allen that rely on asset based lending, qualifying you on down payment strength and verified liquidity. Our DSCR loans use underwriting centered on property cash flow, not wages, so approvals hinge on performance. With this practical structure, real estate investors can qualify faster, lock competitive terms, and strategically scale portfolios while we stay focused on the numbers.

How long does the approval process take?

Move quickly with our fast loan approval designed for investors on tight timelines. We often deliver same-day pre-approvals and term sheets for hard money loans in Allen, then finalize once title is clear and the property valuation is complete—our hybrid reviews typically finish within 3–5 business days. With streamlined underwriting, we can close in as few as 10 days, giving you reliable, competitive leverage and a straightforward path to secure financing on your next opportunity.

Why choose Unitas over other hard money lenders in Allen?

Leveraging construction and lending expertise, we anticipate investor needs better than most hard money lenders and execute quickly. We close private money loans in Allen in as little as 10 days, tailor each structure to your project, and cultivate long-term relationships. Rates start at 9.25%, with real estate loans up to 92.5% LTC plus complementary high leverage loans, all powered by institutional capital and delivered with attentive, hands-on guidance from a dedicated private money lender.

How is a hard money lender different from a bank?

Choosing a hard money lender over a bank means speed and flexibility that keep deals alive. We focus on investment real estate loans with fast closing loans measured in days and terms tailored to your strategy. Expect a simple, transparent process and hands-on guidance. From fix and flip projects to bridge loans and DSCR loans, our solutions deliver. We also offer new construction lending in Allen, aligning funding with build timelines so investors execute without delays.

Do you provide funding in my state or city?

As a nationwide direct lender, we finance fix and flip loans, DSCR loans, new construction, and bridge loans in Allen and throughout Texas, while serving most states coast to coast. We don’t lend in Alaska, Arizona, Minnesota, South Dakota, or North Dakota, and we avoid direct lending in Baltimore, Chicago, and Detroit. In Nevada, Washington, Oregon, and Utah, we work exclusively through licensed brokers. Everywhere else, we provide business purpose loans for investors, delivering fast, reliable private capital solutions with straightforward terms and responsive support.

How do I apply for a real estate investment loan from Unitas?

Move quickly on a real estate investment loan with a process built on connection and clarity. Start by exploring scenarios with our online loan calculator, then an Account Executive reaches out to discuss your project, qualifications, and next steps for real estate investor financing. From pre approval through valuation, title, and draws, we keep momentum strong so real estate investors in Allen gain a smooth, confident path to closing, competitive terms, and responsive guidance from first call to funding.

Fast, Reliable Capital – No Red Tape

Get the certainty of a direct lender and close in as little as 10 days.

Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting.