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

Fast-moving Waco properties demand fast-moving capital. Conventional financing requiring weeks of processing documentation costs you deals before underwriters finish their review. Our 10-day closing process delivers the speed Waco's market demands from serious investors. We're not here to tell you maybe. We're here to fund deals.

We specialize in private loans for real estate investors in Waco 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 lending history—$4.5 billion across thousands of projects—validates our ability to deliver reliably.

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Fast, Reliable Capital for Your Next Waco Deal

Capital for Waco investments needs both speed and substance. Starting at 8.99% with LTC up to 92.5% for qualifying deals, plus 24-hour pre-approvals. We build terms around your project requirements and execution timeline.

Fix & Flip Loans

Fix & Flip Loans

Adding value in Waco requires reliable renovation funding. We base fix-and-flip loans on after-repair value, covering both property acquisition and construction costs. Pick 12-, 18-, or 24-month terms, all interest-only. Draw processing runs 24-48 hours after inspection completion.

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New Construction Loans

New Construction Loans

New development in Waco requires capital that moves with construction progress. We finance residential projects with draw schedules tied to real milestones. Starting at 8.99% with timeline-appropriate terms. Construction understanding complements our lending.

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Bridge Loans

Bridge Loans

Short-term capital gaps occur in Waco investing. When permanent financing timing doesn't align or transactions haven't completed, our bridge loans offer 12-months of interim funding. Deploy bridge capital for auctions, off-market deals, and phase transitions.

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DSCR Loans

DSCR Loans for Rental Properties

Expanding rental holdings throughout Waco using income property qualification. Our DSCR loans evaluate cash flow against debt service. Applies to short-term, mid-term, and long-term rental approaches in Waco. Property performance drives approval, not personal documentation.

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What Makes Unitas Different in Waco

  1. Institutional Scale, Direct Relationship
    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. Underwriting That Evaluates Real Opportunities
    Traditional lenders use rigid qualification boxes. If your Waco 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. Own The Money, Make The 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. Efficiency In Closing and Construction
    Closing in 10 business days gets you into the property. Our draw requests process in 24-48 hours after inspection completion. Your Waco 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 Waco 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 Waco?

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

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

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

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

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

Ready to Fund Your Next Waco 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 Waco 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.