Frisco, TX’s Trusted Hard Money Lender for Real Estate Investors

When you find the perfect investment property in Frisco, traditional bank financing can cost you the deal. While conventional lenders take 30 to 45 days to close, your competition moves faster. Unitas Funding provides private loans designed specifically for Frisco real estate investors who need speed, flexibility, and certainty. We close in as few as 10 days, giving you the competitive edge to secure properties before other buyers even get pre-approved.

Frisco's booming real estate market demands a lending partner who understands investment properties. Whether you're flipping homes in Starwood or building new construction in Frisco Square, Unitas Funding delivers the capital you need with terms built around your deal. We've funded over 10,000 loans totaling more than $5 billion in real estate investments. Our institutional backing combined with our entrepreneurial approach means you get the reliability of a major lender with the personalized service of a true partner.

shutterstock_2644509203

Fast, Reliable Capital for Your Next Real Estate Deal

Unitas Funding specializes in hard money loans for Frisco real estate investors. Our lending programs include fix and flip financing, new construction funding, bridge loans, and DSCR loans for rental properties. Each loan is customized to your specific project, timeline, and exit strategy. We focus on the property's value and your investment plan, not rigid boxes that slow down approvals. With rates starting at 8.99% and loan-to-cost ratios up to 92.5%, we structure financing that maximizes your returns while minimizing your upfront capital requirements.

Fix & Flip Loans

Fix & Flip Loans

Frisco's housing market offers excellent opportunities for experienced flippers and first-time investors alike. Our fix and flip loans provide both purchase financing and renovation capital based on the property's after repair value. We fund up to 92.5% of the total project cost, including acquisition and construction expenses. Choose from 12-month, 18-month, or 24-month terms with interest-only payments that preserve your cash flow during the renovation phase. Our draw process moves at your construction pace with a 24- to 48-hour turnaround on approved draw requests. Whether you're renovating a single-family home in Phillips Creek Ranch or tackling multiple properties simultaneously, our fix and flip financing keeps your projects moving forward.

Learn More
New Construction Loans

New Construction Loans

Ground up construction lending requires a lender who understands the complexities of building from scratch. Unitas Funding provides new construction funding for single-family spec homes and multifamily residential projects throughout Frisco. We structure loans based on your construction timeline with staged draws tied to verified completion milestones. Our team includes professionals with deep construction knowledge who review budgets, timelines, and contractor qualifications to ensure your project succeeds. We fund land acquisition, site work, materials, and labor costs with flexible terms that adapt to real-world construction challenges. Fast draw approvals mean your contractors stay on schedule and your carrying costs stay under control.

Learn More
Bridge Loans

Bridge Loans

Gap financing solves timing problems that kill deals. When you need to close quickly on a Frisco investment property but your permanent financing isn't ready, our bridge loans provide the short-term capital to secure the opportunity. We offer 6-month and 12-month bridge loan terms with the flexibility to extend if market conditions require more time. Bridge loans work perfectly for investors transitioning between properties, waiting for a sale to close, or preparing a property for long-term refinancing. Our asset based lending approach means we approve based on property equity and exit strategy, not personal income documentation. Close fast, execute your plan, and refinance or sell when the timing is right.

Learn More
DSCR Loans

DSCR Loans for Rental Properties

Investment property loans for rental properties shouldn't require mountains of personal tax returns and W-2s. Our debt service coverage ratio loans qualify based on the property's rental income, not your personal wages. If the property generates enough cash flow to cover the debt service, you qualify. DSCR loans work for long-term rentals, short-term vacation properties, and mid-term corporate housing throughout Frisco. We fund single-family homes, duplexes, and small multifamily properties with terms designed for buy-and-hold investors. Whether you're using the BRRRR method to build a rental portfolio or refinancing existing properties to pull out equity, our rental property loan programs provide the capital you need without the personal income verification hassle.

Learn More


What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    Unitas Funding combines institutional capital backing with entrepreneurial flexibility. Our parent company has funded over $4.5 billion in short-term real estate loans, giving you the confidence that your funding will be there when you need it. Unlike smaller private money lenders who may run out of capital during market volatility, we maintain consistent lending capacity. At the same time, we operate with the speed and personal attention of a true partner. You work directly with experienced lending professionals who understand Frisco's real estate market and can structure creative solutions for complex deals.

  2. More Ways to Say ‘Yes’ to Your Deal
    Traditional lenders operate within rigid approval processes that automatically reject deals outside their narrow parameters. Unitas takes a different approach. We evaluate each investment property on its own merits, considering the asset value, your exit strategy, and the overall deal structure. Our approach means we can approve projects that banks decline. First-time investors receive the same consideration as seasoned professionals because we focus on the property's potential, not just your transaction history. When other lenders say no, we ask how we can structure the deal to work.

  3. Certainty from a Direct Lender
    We own our capital and make our own lending decisions. When Unitas approves your loan, that approval is final. You won't face last-minute surprises from secondary underwriting committees or funding delays because we sold your loan to another investor. Our direct lending model means faster decisions, clearer communication, and absolute certainty that your closing will happen on schedule. During market volatility when conduit lenders freeze operations, Unitas continues funding deals because we control our own capital deployment.

  4. Faster Funding, Faster Draws
    Speed matters in real estate investing. We close hard money loans in Frisco in as few as 10 days with complete documentation, compared to 30 to 45 days for traditional bank financing. Our streamlined process includes same-day pre-approvals and 3 to 5 day final approvals once title and valuation are complete. After closing, our draw process keeps your projects moving with a 24- to 48-hour turnaround on construction draw requests. Fast draws mean your contractors get paid on time, your project stays on schedule, and your carrying costs stay under control. We understand that time is money in real estate investment, and our entire operation is designed for speed without sacrificing quality underwriting.

shutterstock_2218681047 (1)

Get Pre-Approved in 24 Hours!
Ready to move forward on your next real estate investment? Complete our simple application to receive a pre-approval decision within 24 hours. Our team will review your project details, property information, and investment strategy to provide clear loan terms and rates. Pre-approval gives you the confidence to make offers knowing your financing is secured. Whether you're pursuing fix and flip projects, new construction developments, bridge financing, or rental property acquisitions, Unitas Funding delivers the capital and expertise you need to succeed.

Frequently Asked Questions

What types of investment properties do you finance?

Unitas Funding finances single-family homes, multifamily properties up to four units, townhomes, and condos throughout Frisco and the Dallas-Fort Worth metroplex. We provide hard money loans for Frisco fix and flip projects, new construction developments, bridge financing, and rental properties. All loans are business-purpose only and must be held in an LLC or other business entity. We do not provide financing for owner-occupied residential properties or consumer-purpose loans.

How quickly can you close on a Frisco investment property?

Our team serving Frisco closes hard money loans in as few as 10 business days with complete documentation. Most transactions close within 10 to 14 days from application to funding. Timeline depends on title clearance, property valuation completion, and documentation submission. Same-day pre-approvals are available for qualified borrowers, and final approvals typically take 3 to 5 business days once we receive title commitment and property appraisal.

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

We offer loan-to-cost ratios up to 92.5% on fix and flip loans, covering both purchase price and renovation costs. Actual LTC depends on property type, location, borrower experience, and project scope. Our underwriting focuses on the after repair value and your exit strategy to determine appropriate leverage. Higher LTC ratios require stronger deals with clear value-add potential and realistic renovation budgets.

Do you require personal income verification for DSCR loans?

No. Our debt service coverage ratio loans qualify based on the property's rental income, not your personal wages or tax returns. We analyze the property's cash flow and verify it generates sufficient income to cover the debt service. You'll need to provide business entity documentation and demonstrate liquidity for down payment and reserves, but personal W-2s and tax returns are not required for qualification.

What areas of Frisco do you serve?

Unitas Funding serves all of Frisco including Starwood, Phillips Creek Ranch, Frisco Square, Stonebriar, and surrounding neighborhoods. We also provide hard money lending throughout the Dallas-Fort Worth metroplex and across Texas. Our nationwide lending platform covers investment properties in most states, though some geographic restrictions apply. Contact us to confirm availability for your specific property location.

Ready to Fund Your Next Frisco Real Estate Investment?

Unitas Funding provides the speed, flexibility, and certainty you need to compete in Frisco's competitive real estate market. Our private loans for Frisco real estate investors close fast, our terms are transparent, and our team brings decades of combined experience in real estate investment lending. Whether you're flipping your first property or managing a portfolio of rental investments, we deliver the capital and expertise to help you succeed. Contact Unitas Funding today to discuss your next project and discover why thousands of investors trust us with their real estate financing.

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