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

Tyler anchors East Texas as a regional hub for healthcare, retail, and the historic rose-growing industry that still shapes the Azalea District's spring tourism. Investors renovating Bergfeld bungalows or building rentals near UT Health East Texas are working a market with steady, healthcare-driven demand and prices well below the major Texas metros.

Unitas Funding provides private real estate loans for investors throughout Tyler and Smith 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 East Texas investors need to compete.

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Fast, Reliable Capital for Your Next Tyler Deal

Tyler's healthcare- and retail-anchored economy, combined with below-metro entry prices, supports strong margins for investors who can close fast. Unitas offers rates from 8.99%, up to 92.5% loan-to-cost, and pre-approval in 24 hours across Smith County.

Fix & Flip Loans

Fix & Flip Loans

Bergfeld and Charnwood's mid-century housing stock rewards investors who modernize interiors while preserving the tree-lined character that drives Tyler's strongest resale values. Unitas funds acquisition and rehab budget together so Tyler flippers can close and start work fast.

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New Construction Loans

New Construction Loans

Infill and subdivision development near Old Winchester and Green Acres continues as Tyler's healthcare-driven population growth pulls in new residents. Our construction loans fund the full build cycle with 24-48 hour draws to keep Texas crews on schedule.

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Bridge Loans

Bridge Loans

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

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DSCR Loans

DSCR Loans for Rental Properties

Tyler's steady healthcare-sector employment and regional draw for East Texas retail and services support strong rental demand, making DSCR loans an effective tool for investors building portfolios in Bergfeld or Charnwood. We qualify the property's cash flow, not personal income.

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What Makes Unitas Different in Tyler

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

  2. Local Tyler Market Expertise
    Our team understands Smith County's healthcare-anchored economy, from UT Health East Texas's growth to the Azalea District's tourism draw, and prices deals accordingly.
  3. Speed That Protects Your Margin
    24-48 hour draw turnaround keeps Tyler rehab and construction projects on schedule through East Texas's favorable build season.

  4. A Track Record Built in Tyler
    We've funded deals across Bergfeld, Charnwood, and Old Winchester, building the track record Tyler investors and agents trust.

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Get Pre-Approved in 24 Hours
Ready to move on your next Tyler 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 Tyler?

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

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

Qualified Tyler investors can access up to 92.5% loan-to-cost, covering acquisition and renovation budget.

Does Unitas finance new construction in Tyler?

Yes, we fund ground-up and infill construction throughout Smith County, including projects near Old Winchester and Green Acres.

How does DSCR financing work for Tyler rental properties?

DSCR loans qualify based on the property's rental income relative to debt service, not personal income, suiting Tyler's steady healthcare-driven rental demand.

What parts of East Texas does Unitas serve besides Tyler?

We fund deals throughout Smith County and East Texas, including Longview, Lindale, and Whitehouse.

Ready to Fund Your Next Tyler Real Estate Investment?

Unitas Funding provides the fast, flexible private capital Tyler investors need to compete in East Texas's leading healthcare and retail hub. From Bergfeld renovations to Old Winchester new construction, we fund projects across Smith County. Contact us today to discuss your Tyler investment property financing.

Unitas Funding has funded 43+ deals for investors in and around Tyler, 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.