Houston's Trusted Hard Money Lender for Real Estate Investors

The real estate market rewards investors who move decisively. Unitas Funding delivers direct private loans for Houston real estate investors looking for capital for acquisitions, renovations, ground-up builds, and rental portfolios. We offer straightforward leverage, rapid underwriting, and draw schedules synchronized with your project phase so you secure properties without waiting on traditional lender timelines.

Specializing in fix-and-flip loans, new construction loans, bridge loans, and DSCR loans for rental properties, our Houston hard money lenders bring institutional strength and investor-focused execution to every transaction. Transparent loan terms and reliable capital deployment keep your projects on schedule.

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Fast, Reliable Capital for Your Next Real Estate Deal

Working directly with Unitas Funding means no broker delays or marketplace uncertainty. Match your strategy to the right program: fix & flip financing for value-add rehabs, ground-up construction funding for new builds, bridge financing for time-sensitive acquisitions, or DSCR rental loans for cash-flowing properties. Leverage options reach 92.5% LTC, ARV-LTV extends to 80%, and loan amounts scale to $2.5M. Share your property address, scope, budget, and other necessary documentation and receive approval decision and proposed terms if approved in one business day.

Fix & Flip Loans

Fix & Flip Loans

Covering both acquisition and renovation costs, our fix & flip loans preserve your working capital while funding the full project. Leverage up to 92.5% LTC and up to 75% ARV-LTV across 12–24 month terms, keeping liquidity available for materials, contractors, and unexpected expenses. Underwriting to after repair value (ARV) supports quick resale exits or BRRRR (buying, rehabbing, renting, refinancing, and repeating). Inspection-based draws release funds as work progresses, keeping your crews paid and timelines intact.

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New Construction Loans

New Construction Loans

Building spec homes or custom projects requires capital that flows with your development schedule. Our Houston hard money lenders offer private construction loans to finance land acquisition, vertical construction, and finishes through milestone-based draws verified by inspections. Secure up to 85% LTC and up to 75% ARV-LTV with 12–24 month terms. Underwriting reviews budgets, contractor credentials, and timelines to ensure your ground-up project maintains funding from permits through final certificate of occupancy.

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Bridge Loans

Bridge Loans

Time-sensitive opportunities demand immediate capital. Our bridge loans deliver gap financing to close auctions or secure off-market deals before transitioning to longer term debt. Access up to 80% LTC and up to 75% ARV-LTV with 12-month terms and clear exit paths. Processing moves quickly on properties requiring minimal repositioning or short hold periods before resale or refinance.

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DSCR Loans

DSCR Loans for Rental Properties

Growing your rental portfolio becomes simpler with DSCR loans that underwrite on property income rather than personal income documentation. This asset-based lending model evaluates debt service coverage ratio, streamlining approvals for long-term rentals, short-term rentals, and medium-term rental strategies. Lock in up to 75% LTC and up to 80% ARV-LTV with rate-and-term structures supporting portfolio expansion and predictable monthly payments.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Combining institutional capital with direct decision-making removes broker intermediaries and marketplace uncertainty. Firm leverage ranges, defined draw triggers, and consistent communication run from application through final funding on your projects.

  2. More Ways to Say ‘Yes’ to Your Deal.
    We adapt to your strategy whether flipping, building, bridging, or holding. Our flexible underwriting structures fix & flip, new construction, bridge, and DSCR programs around your timeline, experience level, and exit plan, minimizing friction at every investment stage.

  3. Certainty From a Direct Lender.
    Controlling our capital and decision-making delivers firm commitments and transparent loan structure from day one. Reliable funding backed by disciplined underwriting and clear documentation requirements replaces marketplace uncertainty and third-party approvals.

  4. Faster Funding, Faster Draws.
    We know timing is essential in real estate. Our streamlined loan process allows closings in as little as 10 days and provides quick construction draws. With fast funding and clear communication, our team ensures your real estate projects stay on track.

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

Frequently Asked Questions

What are your leverage ranges and rates for investment properties?

Rates start at 8.99% with leverage up to 92.5% LTC. Fix & flip offers up to 92.5% LTC and 75% ARV-LTV. New construction provides up to 85% LTC and 75% ARV-LTV. Bridge loans are offered with up to 80% LTC and 75% ARV-LTV. DSCR delivers up to 75% LTC and 80% ARV-LTV. Loan amounts reach $2.5M.

Do you work with first-time investors?

Yes. Whether you're working on your first flip or scaling a portfolio, we support investors at every stage. We offer tailored loan solutions designed to help you move forward with confidence. A minimum credit score of 600 is required.

Do you require income verification for investment loans?

No. Our loans are based on your down payments, credit history, and various forms of liquidity verification, not personal income documentation. This makes qualification faster for investors with multiple properties or complex income structures.

How quickly can Unitas close on a real estate deal?

We close in as few as 10 days. Preapprovals and term sheets can be issued the same day. Final approvals depend on obtaining clear title and property valuation, with our hybrid property valuations taking as few as 3-5 business days.

What documentation do I need to apply for an investment property loan?

You must apply through a business entity (LLC or corp), not as an individual. Provide 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 submission and let you know whether you have been preapproved within one business day.

Ready to Fund Your Next Houston Real Estate Investment?

The real estate market moves fast, and your funding should match that pace. At Unitas Funding, our Houston hard money lenders combine institutional strength with direct lending speed to keep your deals on track. Whether you're flipping properties in The Heights, building spec homes in River Oaks, or expanding your rental portfolio across Greater Houston, our capital and support help you close with confidence. Apply today to receive a 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.