Dallas' Trusted Hard Money Lender for Real Estate Investors

Investors need funding that moves as fast as opportunity. Unitas Funding delivers real estate investors in Dallas with private loans for acquisitions, renovations, spec builds, and rental portfolios. Our services are backed by clear leverage terms, rapid underwriting, and draw schedules synchronized to your project milestones, eliminating the financing delays that cost you investment opportunities.

Our Dallas hard money lenders provide fix-and-flip loans, new construction loans, bridge loans, and DSCR loans for rental properties. Clear terms and consistent capital deployment ensure your projects stay on schedule.

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Fast, Reliable Capital for Your Next Real Estate Deal

Direct access to Unitas Funding eliminates broker delays and marketplace unpredictability. Select the program that fits your investment approach: fix-and-flip financing for value-add properties, ground-up construction funding for spec development, bridge financing for auction wins, or DSCR rental loans for stabilized income assets. Leverage up to 92.5% LTC, ARV-LTV up to 80%, and loan amounts up to $2.5M. Apply for your loan now. We'll let you know if you’re approved within one business day.

Fix & Flip Loans

Fix & Flip Loans

Financing acquisition and renovation in one package preserves your liquidity while covering the full project scope. Secure up to 92.5% LTC and up to 75% ARV-LTV across 12–24 month terms, leaving capital available for materials, labor, and project contingencies. Underwriting based on after repair value (ARV) accommodates quick resale strategies or BRRRR (buying, rehabbing, renting, refinancing, and repeating) transitions into rental holds. Draw releases follow inspection milestones, ensuring your contractors stay paid and work progresses without cash flow gaps.

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New Construction Loans

New Construction Loans

Building spec homes or custom projects requires funding that adapts to your construction calendar. Our private construction loans cover land acquisition, vertical build, and finishes through draws tied to verified milestones and inspections. Access up to 85% LTC and up to 75% ARV-LTV with 12–24 month terms. Underwriting examines budgets, contractor track records, and timelines to keep your ground-up project funded from permit approval through final certificate of occupancy.

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Bridge Loans

Bridge Loans

Time-sensitive properties sometimes require immediate capital access. Our bridge loans provide gap financing to secure auction properties, lock off-market opportunities, or stabilize assets before permanent financing closes. Receive up to 80% LTC and up to 75% ARV-LTV with 12-month terms and transparent exit strategies. Processing accelerates on properties needing light repositioning or brief hold periods before resale or long-term refinance.

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DSCR Loans

DSCR Loans for Rental Properties

Scaling your rental portfolio is easier with DSCR loans that evaluate property income and credit history instead of personal income documentation. This asset-based approach analyzes debt service coverage ratio, accelerating approvals for long-term rentals, short-term rentals, and medium-term rental strategies. Obtain up to 75% LTC and up to 80% ARV-LTV with rate-and-term options that support portfolio expansion and stable monthly payments across your rental assets.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Pairing institutional capital with direct lending authority removes broker intermediaries and marketplace delays. Defined leverage ranges, clear draw triggers, and consistent communication extend from application through final funding on your investments.

  2. More Ways to Say ‘Yes’ to Your Deal.
    Matching your strategy, our adaptive underwriting shapes fix-and-flip, new construction, bridge, and DSCR programs around your timeline, experience, and exit plan, reducing friction throughout your investment cycle.

  3. Certainty From a Direct Lender.
    Maintaining control over our capital and approval process produces firm commitments and transparent rates and terms from initial contact. Reliable funding supported by disciplined underwriting and clear documentation standards replaces marketplace uncertainty and third-party approval chains.

  4. Faster Funding, Faster Draws.
    Timing is everything when it comes to real estate deals. At Unitas, our streamlined loan process means we can close your deal in as little as 10 days and provide timely construction draws. With funding you can count on and a responsive lending partner on your side, your real estate and construction projects will move forward without delay.

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

Frequently Asked Questions

How fast can I get approved and funded?

Preapprovals and term sheets can be issued the same day you submit your application. Our Dallas hard money lenders close in as few as 10 days once we receive complete documentation. Our hybrid property valuations take 3-5 business days, keeping your timeline tight from application through funding.

What documents are required to start the loan process?

Apply through your business entity (LLC or corporation). Submit a credit report, background check, purchase and sale agreement, EIN letter, certificate of good standing, bank statements, and government-issued ID. We'll review your package and return a loan approval decision within one business day.

Do I need to verify personal income for these loans?

No. We qualify loans based on your credit history, down payment, and liquidity verification, not personal income documentation. This streamlined approach works well for investors managing multiple properties or those with complex income structures.

What financing terms and leverage can I expect?

We offer rates starting at 8.99% across all programs. Fix-and-flip loans: up to 92.5% LTC and 75% ARV-LTV. New construction loans: up to 85% LTC and 75% ARV-LTV. Bridge loans: up to 80% LTC and 75% ARV-LTV. DSCR loans: up to 75% LTC and 80% ARV-LTV. Loan amounts extend to $2.5M.

Can new investors qualify for financing?

Yes. We support investors at every experience level, from first-time flippers to seasoned portfolio builders. Our loan structures adapt to your project and goals. A minimum credit score of 600 is required for all applicants.

Ready to Fund Your Next Dallas Real Estate Investment?

A competitive market demands funding that performs when opportunities surface. At Unitas Funding, our Dallas hard money lenders deliver institutional strength through direct lending efficiency, keeping your deals on track. Whether you're flipping properties, building spec homes, or expanding your rental portfolio across the Metroplex, our capital and support help you close with confidence. Submit your application now and receive an approval decision within one business day. Let's get your project funded and moving forward!

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