San Antonio’s Trusted Hard Money Lender for Real Estate Investors

Investors choose Unitas Funding when deals require decisive action and reliable capital. Our direct private lending for San Antonio real estate investors supports acquisitions, renovations, ground-up builds, and rental portfolios across Texas with straightforward leverage terms, rapid underwriting, and draw schedules synchronized to your project milestones, eliminating the financing delays that cost you opportunities.

Specializing in fix-and-flip loans, new construction loans, bridge loans, and DSCR loans for rental properties, our San Antonio hard money lenders deliver institutional strength paired with investor-focused execution. Transparent terms and dependable capital deployment keep your projects advancing on schedule.

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Fast, Reliable Capital for Your Next Real Estate Deal

Partnering directly with Unitas Funding removes broker intermediaries and marketplace uncertainty. Align your strategy with the right program: fix & flip financing for value-add rehabs, ground-up construction funding for spec builds, bridge financing for time-sensitive acquisitions, or DSCR rental loans for income-producing assets. Leverage options reach 92.5% LTC, ARV-LTV extends to 80%, and loan amounts scale to $2.5M. Apply now and receive our approval decision within one business day!

Fix & Flip Loans

Fix & Flip Loans

Funding both acquisition and renovation costs, our fix & flip loans preserve your working capital while supporting the full project. Access up to 92.5% LTC and up to 75% ARV-LTV across 12–24 month terms, maintaining liquidity for materials, contractors, and contingencies. Underwriting to after repair value (ARV) enables quick resale exits or BRRRR (buying, rehabbing, renting, refinancing, and repeating) refinances into long-term holds. Inspection-triggered draws release funds as work progresses, keeping your crews paid and timelines intact.

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New Construction Loans

New Construction Loans

Developing spec homes or custom projects requires capital that flows with your build schedule. Our private construction loans finance land acquisition, vertical construction, and finishes through milestone-based draws verified by inspections. Secure up to 85% LTC and up to 75% ARV-LTV with 12–24 month terms. Underwriting evaluates budgets, contractor qualifications, and timelines to ensure your ground-up project maintains funding from permits through final certificate of occupancy.

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Bridge Loans

Bridge Loans

Capturing time-sensitive opportunities demands immediate capital. Our bridge loans deliver gap financing to close auctions or secure off-market deals before transitioning to longer term debt. Obtain up to 80% LTC and up to 75% ARV-LTV with 12-month terms and defined exit paths. Processing moves quickly on properties requiring minimal repositioning or short hold periods before resale or refinance.

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DSCR Loans

DSCR Loans for Rental Properties

Expanding your rental portfolio becomes simpler with DSCR loans that underwrite on property income and credit history rather than personal income documentation. This asset-based lending model evaluates debt service coverage ratio, streamlining approvals for long-term rentals, short-term rentals, and medium-term rental strategies. Lock in up to 75% LTC and up to 80% ARV-LTV with rate-and-term structures supporting portfolio growth and predictable monthly payments.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Merging institutional capital with direct decision-making removes broker layers and marketplace delays. Firm leverage ranges, defined draw triggers, and consistent communication run from application through final funding on your projects.

  2. More Ways to Say ‘Yes’ to Your Deal.
    Our flexible underwriting structures fix & flip, new construction, bridge, and DSCR programs around your timeline, experience level, and exit plan, minimizing friction at every investment stage.

  3. Certainty From a Direct Lender.
    Controlling our capital and decision-making delivers firm commitments and transparent terms from day one. Reliable funding backed by disciplined underwriting and clear documentation requirements replaces marketplace uncertainty and third-party approvals.

  4. Faster Funding, Faster Draws.
    When a real estate opportunity presents itself, you need to move fast. Our loan process provides closings in as little as 10 days and offers fast construction draws. With faster funding and responsive communication, our professionals keep your projects moving forward.

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Get Pre-Approved in 24 Hours!
Apply today and secure funding for your next investment property in San Antonio.

Frequently Asked Questions

Does Unitas work with first-time real estate investors?

Yes. Whether you're working on your first flip or scaling a portfolio, we support investors at every stage. We offer tailored loan solutions designed to help you move forward with confidence. A minimum credit score of 600 is required.

Is income verification required for investment loans?

No. Our loans are based on your down payments, credit history, and various forms of liquidity verification, not personal income documentation. This makes qualification faster for investors with multiple properties or complex income structures.

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 amounts up to $2.5M across all programs.

How quickly can Unitas close on a real estate deal?

We close in as little as 10 days. Preapprovals and term sheets can be issued the same day. Final approvals depend on obtaining clear title and property valuation, with our hybrid property valuations taking as few as 3-5 business days.

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

You must apply through a business entity (LLC or corp), not as an individual. Provide a credit report, background check, purchase and sale agreement, EIN letter, certificate of good standing, bank statements, and government-issued ID. We'll review your submission and provide an approval decision within one business day.

Ready to Fund Your Next San Antonio Real Estate Investment?

Real estate opportunities don't wait and neither should your capital. Unitas Funding combines institutional backing with direct lending speed, giving you the leverage and certainty needed to compete in today's market. From fix-and-flip projects in King William to ground-up builds in Alamo Ranch, or rental portfolios across the greater metro area, we deliver clear terms and reliable funding that moves at your pace. Submit your application now to receive a decision within one business day. Let's turn your next investment into a closed deal. Contact our San Antonio hard money lenders today to learn more!

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