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

Pasadena investors know timing determines success. Traditional lenders operating on 30-day timelines can't help you compete in markets where properties sell within days. Capital arrives in 10 business days through Unitas, ensuring you compete effectively in Pasadena. We're not here to tell you maybe. We're here to fund deals.

We specialize in private loans for real estate investors in Pasadena 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. We've closed thousands of loans totaling $4.5 billion, establishing credibility through actual performance.

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Fast, Reliable Capital for Your Next Pasadena Deal

Markets like Pasadena reward prepared investors. We provide rates from 8.99%, LTC ratios up to 92.5% on qualified projects, and pre-approvals within 24 hours. Financing structures align with your deal specifics, not arbitrary policies.

Fix & Flip Loans

Fix & Flip Loans

Rehab projects throughout Pasadena need construction capital built for efficiency. Our fix-and-flip financing uses ARV underwriting, funding purchase and renovation together. Select 12-, 18-, or 24-month terms with interest-only structure. Draws complete in 24-48 hours post-inspection.

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New Construction Loans

New Construction Loans

Building in Pasadena demands construction lenders who know the business. Our financing covers single-family and multifamily projects with milestone-based draws. Rates start at 8.99%, terms fit your schedule. We bring both funding and building expertise.

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Bridge Loans

Bridge Loans

Timing challenges arise across Pasadena markets. Our 12-month bridge loans provide interim capital for closings ahead of permanent financing or between transactions. Investors use bridge funding for auctions, off-market acquisitions, and transition periods.

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DSCR Loans

DSCR Loans for Rental Properties

Rental portfolio scaling in Pasadena through simplified qualification. DSCR loans assess whether property rent covers debt payments. Available for short-term, mid-term, and long-term strategies. Asset income matters, not tax return complexity.

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What Makes Unitas Different in Pasadena

  1. Capital You Can Count On, Speed You Can Use
    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. More Paths to Approval Than Competitors
    Traditional lenders use rigid qualification boxes. If your Pasadena 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 Decisions Without Middlemen
    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. Fast Through Every Phase
    Closing in 10 business days gets you into the property. Our draw requests process in 24-48 hours after inspection completion. Your Pasadena 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 Pasadena 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 Pasadena?

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

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

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

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

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

Ready to Fund Your Next Pasadena 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 Pasadena 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.