Mesa’s Trusted Hard Money Lender for Real Estate Investors

Investors looking for fast decisions and consistent capital often select Unitas Funding to power their real estate deals. Our direct private loans for Mesa real estate investors support purchase opportunities, rehab projects, new construction, and rental portfolio growth across Texas with clear leverage terms, responsive underwriting, and draw schedules built around your project timeline, reducing the risk of losing deals due to slow funding.

Our Mesa hard money lenders at Unitas Funding specialize in fix-and-flip loans, new construction loans, bridge loans, and DSCR loans for rental properties. This blend of institutional stability and investor-centered service, combined with open communication and predictable capital deployment, helps ensure Mesa projects stay on track from acquisition through exit.

shutterstock_2644509203

Fast, Reliable Capital for Your Next Real Estate Deal

For real estate investors, a direct relationship with Unitas Funding removes the uncertainty of broker chains and online marketplaces. Each transaction can align with the ideal program, whether that is fix & flip financing for value-add rehabs, ground-up construction financing for spec builds, bridge funding for time-sensitive closings, or DSCR rental loans for long-term income properties. Available leverage reaches 92.5% LTC, ARV-LTV goes up to 80%, and loan amounts extend to $2.5M. Apply now and receive our approval decision within one business day!

Fix & Flip Loans

Fix & Flip Loans

Our fix & flip loans are structured to handle both the purchase and renovation, so your cash reserves remain available for new opportunities. Investors can secure up to 92.5% LTC and up to 75% ARV-LTV on terms from 12 to 24 months, covering acquisition, labor, and materials. Deals are underwritten to after-repair value, which can support quick resales or BRRRR refinances into longer-term financing. Draws tied to inspections release rehab funds as phases are completed, helping maintain steady progress on each project.

Learn More
New Construction Loans

New Construction Loans

Ground-up construction funding should match the pace and stages of your build. Our new construction loans cover lot acquisition, structural work, and final finishes, distributed through inspection-verified milestones. Up to 85% LTC and as much as 75% ARV-LTV are available with 12 to 24 month terms that match typical build timelines. Careful review of your budget, contractor experience, and schedule helps keep funds in place from the first shovel in the ground to final inspection and occupancy.

Learn More
Bridge Loans

Bridge Loans

Opportunity-rich markets often demand capital that can move faster than traditional lenders. Our bridge loans are designed to fill that gap, allowing you to close quickly on auctions, distressed assets, or off-market deals before lining up permanent financing. Investors can obtain up to 80% LTC and as much as 75% ARV-LTV on 12 month terms with a defined exit such as a refinance or sale. Streamlined processing suits properties requiring limited renovation or shorter hold times.

Learn More
DSCR Loans

DSCR Loans for Rental Properties

Growing a rental portfolio is often easier when lending is based on the strength of the asset. Our DSCR loans prioritize the property’s income and your credit profile rather than personal income paperwork, creating flexibility for active investors. Long-term rentals, short-term rentals, and medium-term rentals can qualify for up to 75% LTC and up to 80% ARV-LTV. Stable rate-and-term structures are designed to support positive cash flow and consistent, predictable payments over time.

Learn More


What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Institutional backing combined with local-style responsiveness gives real estate investors the best of both worlds. Capital is controlled directly by our hard money lenders in Mesa, which minimizes broker interference, shortens marketplace delays, and provides reliable leverage ranges and draw guidelines for every Mesa investment property we fund.

  2. More Ways to Say ‘Yes’ to Your Deal.
    Our loan programs for fix & flip, ground-up construction, bridge, and DSCR investments are built to match your real-world needs. Experience level, timeline, and exit strategy are considered together so flexible underwriting can help more of your investment property deals qualify, while keeping the process straightforward.

  3. Certainty from a Direct Lender.
    Our role as a direct lender means your investment property loan is underwritten and funded by one decision-making team. Firm commitments, straightforward terms, and transparent documentation expectations are presented early, which helps remove surprises and marketplace uncertainty from your real estate financing.

  4. Faster Funding, Faster Draws.
    Speed determines success in competitive real estate markets. We complete closings in just 10 days and expedite construction draw releases to maintain project flow. Swift funding and consistent communication from Unitas keep your investments on track and earning returns.

shutterstock_2218681047 (1)

Get Pre-Approved in 24 Hours!
Our lenders can review your scenario in about a day so you are better prepared to secure your next investment property opportunity.

Frequently Asked Questions

Does Unitas work with first-time real estate investors?

Unitas offers private loans for first-time Mesa real estate investors as well as experienced operators. Whether it is a first flip or an expanding portfolio, our real estate investment loans are structured to help investors move forward with confidence. A minimum credit score of 600 is required.

Is income verification required for investment loans?

Unitas investment property loans are evaluated primarily on down payment strength, credit profile, and verified liquidity instead of traditional income documentation. This approach streamlines qualification for real estate investors with multiple properties or complex income sources.

What are the maximum loan amounts and leverage ratios available?

Fix & flip: up to 92.5% LTC, up to 75% ARV-LTV, with 12–24 month terms. New construction: up to 85% LTC, up to 75% ARV-LTV, with 12–24 month terms. Bridge: up to 80% LTC, up to 75% ARV-LTV, with 12 month terms. DSCR: up to 75% LTC, up to 80% ARV-LTV, with 12–24 month terms. Loan sizes are available up to $2.5M across these real estate investment loan programs.

How quickly can Unitas close on a real estate deal?

Our Mesa hard money lenders can close real estate investment loans in as few as 10 days. Many investors receive same-day preapproval and a term sheet. Final approval timing depends on clear title and the property valuation, with our hybrid valuation process typically completed in 3–5 business days.

What documentation is needed to apply for an investment property loan?

Applications must be submitted through a business entity (LLC or corporation), not in a personal name. Required items include a credit report, background check, purchase and sale agreement, EIN letter, certificate of good standing, recent bank statements, and a government-issued ID. Our team reviews completed files and typically issues an approval decision within one business day.

Ready to Fund Your Next Mesa Real Estate Investment?

In a competitive real estate market, access to fast, dependable capital often determines who wins the deal. Our Mesa hard money lenders at Unitas Funding combine institutional strength with the efficiency of a direct lender, giving investors the certainty they need to act when properties in King William, Alamo Ranch, or other nearby neighborhoods become available. From short-term fix-and-flip projects to ground up residential builds and long-term rental holdings across the metro, our funding solutions feature straightforward terms, responsive communication, and quick approvals. Most investors receive a decision within one business day, helping you move from offer accepted to funded transaction with fewer delays.

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