Denton’s Trusted Hard Money Lender for Real Estate Investors

Looking to close faster and grow with confidence? We empower builders, landlords, and real estate investors with capital backed by institutional partners and decades of construction lending expertise. Expect quick approvals, streamlined draws, and tailored terms on our Denton hard money loans, keeping your real estate investments moving fast and aligned to your strategy.

Whether you need fix and flip financing, bridge loans, or new construction funding, we move quickly and fund reliably. As seasoned private money lenders, we tailor structures to the deal, support timelines with draws, and help real estate investors seize opportunities and scale with smart guidance.

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Fast, Reliable Capital for Your Next Real Estate Deal

As a trusted private money lender in Denton, Unitas blends institutional stability with the speed of a direct hard money lender, delivering competitive loan programs for every stage. We move quickly on fix and flip opportunities, fund ground-up new construction, and provide flexible rental property loans and short-term bridge financing. With responsive underwriting, transparent terms, and local insight, we help real estate investors scale confidently and build durable portfolios.

Fix & Flip Loans

Fix & Flip Loans

Investors choose us for agile fix & flip loans tailored to Denton projects, pairing short term financing with a streamlined hard money rehab loan that closes fast. We fund purchase plus renovations, support the BRRRR method, and size leverage to the After Repair Value (ARV) so you can maximize returns. Count on responsive underwriting, transparent terms, and flexible draws: reliable fix and flip funding from a lender who understands timelines, comps, and exit strategies.

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New Construction Loans

New Construction Loans

Power your ground up construction with private construction loans tailored to real timelines and budgets. We finance single family spec homes, multi unit residential communities, and mixed use developments, delivering certainty from pre-close to punch list. As your private construction lender in Denton, we coordinate a disciplined staged draw process tied to milestones, so funds arrive when needed for lot acquisition, horizontal improvements, and vertical build costs, keeping momentum strong while you focus on delivery and profitability.

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Bridge Loans

Bridge Loans

We offer hard money bridge loans that deliver interim financing when timing is tight, helping you secure an investment property or stabilize a project before qualifying for permanent financing. Our gap financing closes far quicker than conventional lenders, with flexible structures aligned to your exit. Count on our real estate bridge loans in Denton for fast underwriting and reliable funding, so you can seize opportunities, protect equity, and keep deals moving confidently from acquisition to refinance.

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DSCR Loans

DSCR Loans for Rental Properties

Leverage Denton DSCR loans built around the Debt Service Coverage Ratio to scale an investment portfolio with speed and clarity. These no income verification rental loans qualify deals by property cash flow, not wages, making them ideal asset based loans for streamlined landlord financing. Use flexible investment property mortgages to acquire or refinance long-term rentals, STRs, or MTRs, optimize cash flow, and keep acquisitions moving with underwriting focused squarely on rental performance.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    We blend institutional reliability with entrepreneurial flexibility, serving investors as a Denton hard money lender that structures complex real estate deals and delivers fast funding; we underwrite pragmatically, approve quickly, and align terms to help you close confidently and scale.

  2. More Ways to Say ‘Yes’ to Your Deal.
    With an expanded credit box and creative underwriting, we finance projects other lenders decline. Our Denton hard money lending team moves fast on unique investments and time-sensitive deals, finding pragmatic ways to say yes and close confidently.

  3. Certainty from a Direct Lender.
    Choose a direct hard money lender in Denton you can reach; we deploy our own capital, streamline loan approval, and move quickly from term sheet to closing with direct lending, reliable timelines, clear updates, and secure funding you can trust.

  4. Faster Funding, Faster Draws.
    We move with purpose, guiding your journey through a streamlined loan process in Denton that targets 10-day closings, pairs fast funding with responsive updates, and accelerates every construction draw, so your projects stay on track, profitable, and confidently executed.


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

FAQ

Who qualifies for a hard money loan from Unitas Funding?

Looking for a capital partner who shows up beyond closing day? Our hard money investor loans suit builders and buyers who value dependable private money lending, not just bargain rates. We provide fast funding at offer, post–term sheet, and through the draw process, so your timeline stays intact. Operate via an LLC or corporation for your real estate investments? Perfect fit. We deliver hard money lending in Denton with local insight, pairing construction loans and hands-on guidance to move projects faster, safer, and with fewer surprises.

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

Get results faster with our real estate investment loan process: start your loan application through a business entity (LLC or corporation), not individuals, and use funds solely for investment or business purposes. For investment property financing in Denton, provide entity documents, EIN, operating agreement, purchase contract, bank statements, rent roll, tax returns, rehab budget, and appraisal.

- 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 offer business purpose loans to qualified investors with solid histories, and we keep the process clear and fair. To evaluate the credit score for a hard money loan, we use the median FICO score from a tri-merge report, or the lower of two when only two scores appear. Representative scores under 600 aren’t eligible for our investment property loans, helping us deliver competitive terms on private loans in Denton aligned with your goals.

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

We offer first time real estate investor loans and partner with both newcomers and seasoned buyers to move projects forward fast. Whether tackling your first fix and flip in Denton or scaling holdings with our rental property loans, you’ll find tailored loan programs, accessible capital, and clear guidance. Our streamlined underwriting and responsive team help you lock terms quickly, while dedicated fix and flip funding empowers confident bids, efficient rehabs, and timely exits.

Is income verification required for investment property loans from Unitas?

We make approval simple: no personal income verification for our investment property loans. Our private real estate loans in Denton operate as asset based lending, qualifying on down payment strength and verified liquidity. We use DSCR-focused underwriting that prioritizes property cash flow, delivering true DSCR loans. This practical, transparent approach helps real estate investors qualify on asset performance, close faster, and scale portfolios confidently while providing responsive guidance from application through funding.

 

How long does the approval process take?

Move quickly with our fast loan approval, often delivering same-day pre-approvals and term sheets for hard money loans in Denton and nearby markets. Final approval hinges on clear title and property valuation, with our hybrid reviews typically finished in 3–5 business days. We can close hard money loans in as little as 10 days, helping investors act decisively and secure financing for competitive opportunities while we keep communication clear and the process smooth from application to closing.

 

Why choose Unitas over other hard money lenders in Denton?

Backed by deep construction and lending expertise, we understand the challenges investors face better than most hard money lenders, and we act quickly. We close private money loans in Denton in as little as 10 days, tailor every deal, and prioritize lasting relationships. With rates from 9.25% and real estate loans up to 92.5% LTC, you access institutional capital alongside high leverage loans and the attentive guidance of a dedicated private money lender.

 

How is a hard money lender different from a bank?

Comparing a hard money lender with a bank, speed and flexibility win every time. We specialize in investment real estate loans, deliver fast closing loans in days, and tailor structures to creative strategies. Our transparent, streamlined process supports you from first call to funding, making fix and flip, bridge loans, DSCR loans, and new construction lending in Denton more efficient. Count on our local insight and decisive underwriting to keep deals moving and opportunities within reach.

 

Do you provide funding in my state or city?

Powered by experience as a nationwide direct lender, we fund fix and flip loans, DSCR loans, new construction, and bridge loans in Denton and throughout Texas, with reach across most states. We deliver business purpose loans backed by dependable private capital solutions to help investors move fast.

 

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

Applying for a real estate investment loan should feel personal yet efficient, and we make it that way. Start with our online loan calculator, then our Account Executive connects to discuss your project, qualifications, and tailored real estate investor financing. From swift pre approval through valuation, title, and timely draws, we streamline every milestone so real estate investors in Denton and beyond move confidently to closing, backed by clear guidance, responsive updates, and funding aligned to your strategy.

 

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.