Lubbock’s Trusted Hard Money Lender for Real Estate Investors

Move faster on investment opportunities in Lubbock, Texas with private capital built for execution. Expect quick approvals, streamlined draws, and flexible structures for acquisitions, rehabs, and rentals.Whether you’re flipping, building, bridging timing gaps, or scaling rentals, financing is structured around timelines and exits so you can protect momentum in Lubbock.

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Fast, Reliable Capital

Backed by institutional capital and delivered with direct-lender speed, funding supports investors across Lubbock. Clear terms, responsive communication, and predictable draws help reduce project risk and keep schedules tight.

Fix & Flip Loans

Fix & Flip Loans

Short-term financing aligned to ARV for acquisitions and renovations. Ideal for BRRRR-friendly rehabs and efficient turns aligned to rental demand with draw schedules designed to keep crews moving.

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New Construction Loans

New Construction Loans

Milestone-based construction funding from lot through completion. Built for spec and infill construction with milestone-based draws from lot to completion where predictable draws and clear inspections matter.

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Bridge Loans

Bridge Loans

Interim financing for acquisitions, payoffs, or stabilization before permanent debt. Useful for acquisition and pre-stabilization financing to keep timelines intact when timing can’t wait.

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DSCR Loans

DSCR Loans for Rental Properties

Cash-flow-based rental loans focused on property income, not personal pay stubs. A strong fit for rental portfolio growth using property cash flow rather than personal income when the numbers pencil.

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Why Investors Choose a Direct Private Lender

  1. Institutional Strength, Investor Speed.
    Fast decisions and consistent capital so you can compete on timing without sacrificing diligence.

  2. Flexible Underwriting for Real-World Deals.
    Underwriting is built around the asset, scope, and exit plan—helpful for unique projects and transitional properties.

  3. Transparent Draws and Clear Milestones.
    Predictable draw releases keep budgets aligned and reduce schedule slippage on rehab and construction projects.

  4. Direct Communication.
    Work with a team that stays close to the deal from term sheet through closing and draws.

  5. Get Pre-Approved.
    Submit your project details for Lubbock, Texas. Many transactions close in roughly 10 days depending on valuation and title.

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Get Pre-Approved in 24 Hours!
Apply today and secure funding for your next investment property in Corpus Lubbock’s.

Frequently Asked Questions

What kinds of Lubbock properties work best for hard money financing?

Projects with clear value-add potential and a defined exit plan are typically the best fit in Lubbock. Common examples include BRRRR-friendly rehabs and efficient turns aligned to rental demand, as well as small multifamily or mixed-use where speed and structure matter.

How quickly can hard money loans close in Lubbock, Texas?

Most investors receive initial feedback fast, often within 24 hours once project details are submitted. Closing timelines commonly land around 7–10 business days depending on valuation, title, and document readiness.

Are Lubbock fix and flip loans based on ARV?

Yes—fix and flip underwriting generally emphasizes After Repair Value to align loan proceeds with the renovation plan. That approach helps investors finance both acquisition and rehab while targeting a clean sale or refinance exit.

Can I finance renovations and draws for a Lubbock rehab project?

Rehab budgets are typically funded through a structured draw process tied to measurable milestones. Clear scopes, contractor bids, and draw cadence keep projects moving without cash-flow surprises.

What is a bridge loan used for in Lubbock?

Bridge financing is designed for timing gaps—fast acquisitions, pre-stabilization, or repositioning before permanent debt. It’s especially useful for acquisition and pre-stabilization financing to keep timelines intact where conventional timelines would slow execution.

How do DSCR rental loans work for investors in Lubbock?

DSCR loans focus on property income and the debt service coverage ratio rather than W-2 income. They’re a strong fit for rental portfolio growth using property cash flow rather than personal income when the rental cash flow supports the proposed payment.

Do I need strong personal credit to qualify in Lubbock, Texas?

Credit is reviewed, but approvals tend to weigh the deal’s fundamentals—equity, ARV or cash flow, and execution plan—more heavily than a single score. A well-structured project can offset imperfect credit in many cases.

Can first-time investors get hard money loans in Lubbock?

Yes, first-time investors can qualify when the plan is conservative and the team is credible. Demonstrating realistic budgets, timelines, and contractor support can materially improve approval confidence.

What makes a private lender a better fit than a bank in Lubbock?

Private lending is built for speed and flexibility, with underwriting centered on the asset and business plan. That can be decisive in Lubbock when you need predictable draws and a closing timeline you can control.

What should I submit to get a quote for a Lubbock hard money loan?

Start with the property address, purchase terms, budget and scope, and your exit strategy. Adding photos, contractor bids, and a timeline helps accelerate underwriting and improve terms clarity.

Ready to Fund Your Next Lubbock Real Estate Investment?

Lubbock's market doesn't slow down, and neither should your capital. At Unitas Funding, we deliver the institutional backing and direct lending speed that wins deals. Whether you're renovating properties, developing spec homes, or building a rental portfolio across the metro area, our hard money lenders provide Lubbock real estate investors the leverage and certainty you need to close on schedule. Submit your application now, and let's turn your next opportunity into a funded project!