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

McAllen's position as the Rio Grande Valley's retail and cross-border trade hub with Reynosa, Mexico, has kept residential demand climbing in North McAllen and Sharyland, where investors compete for updated inventory near the medical and retail corridors.

Unitas Funding provides private real estate loans for investors throughout McAllen and Hidalgo County — fix-and-flip, new construction, bridge, and DSCR rental financing up to $4.5M. With $4.5 billion funded nationally, we bring the speed McAllen investors need to compete.

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Fast, Reliable Capital for Your Next McAllen Deal

McAllen's cross-border trade and retail economy supports strong margins for investors who can close fast in North McAllen and Sharyland. Unitas offers rates from 8.99%, up to 92.5% loan-to-cost, and pre-approval in 24 hours across Hidalgo County.

Fix & Flip Loans

Fix & Flip Loans

North McAllen and Sharyland's growing inventory of resale homes rewards investors who modernize for the Valley's expanding retail and medical workforce. Unitas funds acquisition and rehab budget together so you can close and start work fast.

 

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New Construction Loans

New Construction Loans

New-construction activity continues throughout McAllen's northern growth corridor as the Rio Grande Valley's population expands. Our construction loans fund the full build cycle with 24-48 hour draws to keep South Texas crews on schedule.

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Bridge Loans

Bridge Loans

Need to close on a McAllen acquisition before your permanent financing is finalized? Unitas bridge loans give investors the short-term capital to secure deals without losing momentum.

 

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DSCR Loans

DSCR Loans for Rental Properties

McAllen's retail, medical, and cross-border trade economy supports strong rental demand throughout the metro. We qualify the property's cash flow, not personal income.

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What Makes Unitas Different in McAllen

  1. Institutional Resources, Direct Access
    Backed by $4.5 billion in institutional capital, Unitas never leaves a McAllen closing waiting on funds — while operating as a direct lender that gives real answers in hours.

  2. Local McAllen Market Expertise
    Our team understands Hidalgo County's cross-border trade and retail-driven demand, from North McAllen's resale market to Sharyland's growth corridor, and prices deals accordingly.
  3. Speed That Protects Your Margin
    24-48 hour draw turnaround keeps McAllen rehab and construction projects moving on schedule.

  4. A Track Record Built in McAllen
    We've funded deals throughout McAllen and greater Hidalgo County, building the track record Rio Grande Valley investors and agents trust.

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Get Pre-Approved in 24 Hours
Ready to move on your next McAllen deal? Submit your scenario and get a same-day term sheet from a direct lender — no committees, no runaround.

Frequently Asked Questions

How fast can Unitas close a hard money loan in McAllen?

Most McAllen transactions close within 10 business days of a completed application, with our team coordinating directly with Hidalgo County title companies.

What loan-to-cost is available for McAllen fix-and-flips?

Qualified investors can access up to 92.5% loan-to-cost, covering acquisition and renovation budget for North McAllen and Sharyland projects.

Does Unitas finance rental properties in McAllen?

Yes, our DSCR program funds rental properties throughout McAllen, qualifying the property's income rather than personal tax returns.

Does Unitas fund new construction in McAllen's growth corridor?

Yes, our construction program can fund new-build lots throughout North McAllen and Sharyland.

What parts of the Rio Grande Valley does Unitas serve besides McAllen?

We fund deals throughout Hidalgo County and the Rio Grande Valley, including Edinburg, Mission, and Pharr.

 

 

Ready to Fund Your Next McAllen Real Estate Investment?

Unitas Funding provides the fast, flexible private capital McAllen investors need to compete in the Rio Grande Valley's largest retail and trade hub. From North McAllen renovations to Sharyland new construction, we fund projects across Hidalgo County. Contact us today to discuss your McAllen investment property financing.

Unitas Funding has funded 20+ deals for investors in and around McAllen, TX.


Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting. Rates, terms, and loan-to-cost vary based on borrower qualifications, property, and market conditions. Loan product availability may be limited in certain states.