Capital for real estate investors who move fast.
DSCR rental loans, hard money, fix-and-flip, and transactional funding — underwritten on the asset, closed on your timeline. Get real terms before you make your next offer.
- Qualify on the property, not your tax returns
- Close in as little as 7 days on bridge deals
- Nationwide — strongest in Texas metros
Get your loan quote
Tell us about the deal. We respond fast with real terms — no obligation.
Four ways to finance your next deal
Pick the product that fits the strategy — or tell us the deal and we’ll point you to the right one.
DSCR Rental Loans
Qualify on the property’s rent — not your tax returns. 30-year fixed options for buy-and-hold and BRRRR investors.
Learn more →Close in daysHard Money Loans
Fast, asset-based bridge capital for acquisitions and rehabs. Close in days, not weeks, when speed wins the deal.
Learn more →Up to 90% / 100% rehabFix & Flip Loans
Purchase + rehab financing with interest-only payments and rehab draws. Built for active flippers.
Learn more →Same-dayTransactional Funding
100% same-day funding for back-to-back (A–B / B–C) wholesale double closes. No appraisal, no credit check.
Learn more →Built for investors, by investors
Investor-first, every loan
We only do business-purpose lending on non-owner-occupied property. That focus means underwriting that understands rent rolls, ARV, and exit strategy — not a retail mortgage desk.
Speed when it counts
Hard money and transactional deals close in as little as as fast as 7 days. We give a real answer up front so you can make offers with confidence.
Transparent terms
Rates, points, and leverage explained before you apply. Our DSCR calculator and glossary show exactly how the numbers work — no surprises at the closing table.
Nationwide reach, Texas roots
We arrange loans across all 50 states with deep coverage in Texas metros — Houston, Dallas, Fort Worth, San Antonio, and Austin.
From scenario to funded in three steps
Tell us the deal
Share the property, your numbers, and your exit. Two minutes, no hard credit pull.
Get real terms
We match your scenario to the right program and send indicative rate, leverage, and points.
Close and scale
Submit docs, we underwrite the asset, and you fund — then come back for the next one.
Ready for a real quote?
Tell us about the deal and get terms back fast — no obligation, no hard credit pull to start.
Frequently asked questions
What is a business-purpose loan?
A loan made for business or investment activity — buying, rehabbing, or holding income property — rather than for a primary residence. Because Real Lending only finances non-owner-occupied investment property, our loans are business-purpose and fall outside consumer mortgage rules.
Do you check my personal income?
Our DSCR loans qualify on the property’s rent versus its payment (the debt-service-coverage ratio), so no W-2s or tax returns are required. Hard money and fix-and-flip loans are asset-based, focused on the property value and your rehab plan.
How fast can you close?
Transactional funding can fund same-day, hard money in as little as as fast as 7 days, and DSCR loans typically in two to three weeks depending on appraisal and title.
Which states do you lend in?
We arrange business-purpose loans nationwide. A few states (Florida, Arizona, and others) have specific licensing rules for certain loan types — see each product and state page for details.