Edinburg, TX's Trusted Hard Money Lender for Real Estate Investors

Properties in Edinburg don't stay available long enough for conventional bank processes. While traditional lenders request documentation for weeks, competitive investors close deals and move forward. We deliver financing in 10 business days or less, giving you the speed to compete effectively in Edinburg's market. We're not here to tell you maybe. We're here to fund deals.

We specialize in private loans for real estate investors in Edinburg and throughout Texas. Whether you're flipping properties, building new construction, securing bridge financing, or scaling a rental portfolio, we focus on your property's value and exit strategy. With thousands of closed deals and $4.5 billion in total lending, we deliver both reliability and entrepreneurial agility.

shutterstock_2644509203

Fast, Reliable Capital for Your Next Edinburg Deal

Edinburg investors need capital that matches market intensity. With rates from 8.99%, LTC up to 92.5% on approved projects, and 24-hour pre-approval turnaround, you operate decisively. We customize terms for your exact requirements rather than forcing standardized packages.

Fix & Flip Loans

Fix & Flip Loans

Value creation in Edinburg requires renovation capital that moves. Fix and flip loans from Unitas fund purchase price plus rehab costs through ARV-based underwriting. Select 12-, 18-, or 24-month terms, all structured interest-only. Draws process in 24-48 hours post-inspection, maintaining project momentum.

Learn More
New Construction Loans

New Construction Loans

Building new in Edinburg means navigating permits, labor, and timelines. Our construction financing covers spec homes and multifamily developments with milestone-based draw schedules. Rates begin at 8.99%, terms align with your construction calendar. We understand both real estate and building processes.

Learn More
Bridge Loans

Bridge Loans

Short-term capital needs arise throughout Edinburg real estate. Whether closing ahead of permanent financing or awaiting other transaction completions, Our 12-month bridge loans fill gaps. Investors leverage bridge capital for auctions, off-market opportunities, and phase transitions without sacrificing speed.

Learn More
DSCR Loans

DSCR Loans for Rental Properties

Building rental holdings across Edinburg without income documentation hassles. DSCR loans qualify based on property cash flow—rent covering debt service. Works for short-term, mid-term, and long-term rental strategies in Edinburg. The asset's income drives approval, not your tax history.

Learn More


What Makes Unitas Different in Edinburg

  1. Capitalized for Certainty, Built for Speed
    Backed by $4.5 billion in institutional capital, funding availability is never uncertain at closing. But we're not a bank drowning in committees and policies—we're a direct lender purpose-built for real estate investors. You get financial stability combined with decision-making speed and flexibility.

  2. Deal-by-Deal Evaluation That's Fair
    Traditional lenders use rigid qualification boxes. If your Edinburg deal doesn't fit their template perfectly, you're declined. We evaluate deals based on property fundamentals, local market conditions, and whether your exit strategy makes financial sense. We build loan structures around your specific project requirements.
  3. No Secondary Market, No Last-Minute Changes
    We own our capital. We're not brokers marketing your deal to multiple lenders, and we don't sell loans to secondary markets that might disappear when volatility hits. When we issue an approval, that approval is final. No surprise committee reviews, no funding falling through three days before closing.

  4. Rapid Close, Rapid Draw Release
    Closing in 10 business days gets you into the property. Our draw requests process in 24-48 hours after inspection completion. Your Edinburg renovation or construction project moves at the speed of actual work, not internal bureaucracy. Most projects require approximately 10 draws, and each one receives the same urgent processing as your initial funding.

shutterstock_2218681047 (1)

Get Pre-Approved in 24 Hours
Stop losing Edinburg deals to investors with faster financing. We deliver real pre-approvals in 24 hours—not meaningless pre-qualifications, but actual approvals that give you credibility when making offers. Our focus is on property value and deal structure, not endless personal documentation.

Frequently Asked Questions

What types of investment properties do you finance in Edinburg?

We finance business-purpose real estate throughout Edinburg and Texas: single-family homes, multifamily properties, townhomes, and mixed-use residential buildings. We fund fix-and-flip projects, new construction, bridge loans, and DSCR rental property acquisitions. All loans must be made through business entities—we don't provide consumer mortgages or owner-occupied financing.

How quickly can you close on a Edinburg investment property?

10 business days with complete documentation. We deliver pre-approvals in 24 hours, and final approvals typically occur within 3-5 business days depending on title clearance and property valuation completion. Compare that to 30-45 days minimum for traditional banks, and you'll understand why serious Edinburg investors choose hard money lending over conventional financing.

What are your loan-to-cost ratios for Edinburg fix-and-flip projects?

We offer loan-to-cost ratios up to 92.5% on qualified fix-and-flip projects in Edinburg, covering both purchase price and renovation budget. Actual LTC depends on property type, location, your experience level, and project scope. We underwrite based on after-repair value and your exit strategy. Rates start at 8.99%, and we customize terms to match your specific project timeline and investment plan.

Do you require personal income verification for DSCR loans in Edinburg?

No. Our DSCR loans in Edinburg qualify based on the rental property's income potential, not your personal W-2s, tax returns, or employment history. We evaluate whether the property generates sufficient rent to cover debt service. You'll need to provide business entity documentation and demonstrate liquidity for down payment and reserves, but we're not requesting personal income verification that delays everything.

What areas of Edinburg do you serve?

We provide private real estate loans throughout Edinburg, surrounding Texas communities, and the entire metro area. We lend in both urban and suburban markets across the region. Whether your property is located in Edinburg proper or nearby towns throughout Texas, we have the local market knowledge and lending appetite to support your investment.

Ready to Fund Your Next Edinburg Real Estate Investment?

Sometimes, markets move too fast for slow capital. While your competitors wait weeks for bank approvals, you could already be under contract with Unitas backing your offer. Our Edinburg hard money lenders have funded 4,718 deals because we understand what investors need. Speed without sacrificing certainty. Flexibility without hidden surprises. Institutional backing without institutional bureaucracy. Tell us about your next deal and we’ll show you exactly how we can help you close it.


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