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

McKinney's market operates on speed. Waiting 30 days for bank committees to review your file means watching opportunities disappear to faster-moving investors. Our 10-business-day closing timeline provides the urgency required to secure properties in McKinney. We're not here to tell you maybe. We're here to fund deals.

We specialize in private loans for real estate investors in McKinney 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. Our track record includes $4.5 billion funded and thousands of successful closings—proving we execute consistently.

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Fast, Reliable Capital for Your Next McKinney Deal

Speed matters in McKinney, but so does structure. Our financing starts at 8.99% with loan-to-cost ratios up to 92.5% for qualified projects. Expect pre-approval within 24 hours and terms built specifically for your deal, not corporate lending boxes.

Fix & Flip Loans

Fix & Flip Loans

Distressed properties across McKinney need strategic financing. Our fix-and-flip programs use after-repair value to determine loan amounts, covering acquisition and renovation together. Pick from 12-, 18-, or 24-month terms with interest-only structure. Draw turnaround happens within 24-48 hours following inspection approval.

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New Construction Loans

New Construction Loans

New construction throughout McKinney needs builders who know the funding workflow. We finance single-family spec and multifamily projects with draws tied to completion milestones. Starting at 8.99% with build-specific terms. Experience with both capital and construction matters.

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Bridge Loans

Bridge Loans

Strategic timing matters in McKinney markets. When permanent financing hasn't closed or sales haven't funded yet, our bridge loans run 12 months of interim capital. Use bridge financing for auction acquisitions, off-market deals, and investment phase transitions.

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DSCR Loans

DSCR Loans for Rental Properties

Portfolio growth in McKinney through income-based qualification. Our DSCR loans focus on whether rent covers mortgage payments. Available across short-term, mid-term, and long-term rental approaches in McKinney. Property performance matters, not personal tax returns.

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What Makes Unitas Different in McKinney

  1. Well-Capitalized and Investor-Committed
    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. Creative Solutions Beyond Templates
    Traditional lenders use rigid qualification boxes. If your McKinney 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. Direct Capital Means Final Decisions
    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. Timeline Efficiency Start to Finish
    Closing in 10 business days gets you into the property. Our draw requests process in 24-48 hours after inspection completion. Your McKinney 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.

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Get Pre-Approved in 24 Hours
Stop losing McKinney 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 McKinney?

We finance business-purpose real estate throughout McKinney 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 McKinney 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 McKinney investors choose hard money lending over conventional financing.

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

We offer loan-to-cost ratios up to 92.5% on qualified fix-and-flip projects in McKinney, 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 McKinney?

No. Our DSCR loans in McKinney 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 McKinney do you serve?

We provide private real estate loans throughout McKinney, 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 McKinney proper or nearby towns throughout Texas, we have the local market knowledge and lending appetite to support your investment.

Ready to Fund Your Next McKinney 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 McKinney 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.