Austin Hard Money Loans
Direct hard money lenders in Austin for reliable and quick funding.
- Direct Private Lender
- Loans from $100K-$5M
- Quick Approvals. Fast Funding
What is an Austin Hard Money Loan?
Austin hard money loan is a short-term real estate financing option secured by property collateral. Hard money lenders give Austin investors and property owners swift access to capital—typically within days—avoiding the bureaucratic delays and restrictive criteria of traditional bank lending.
- No minimum credit score requirements
- Past bankruptcy and foreclosure
- No minimum financial reserves or employment required
- Foreign nationals, LLCs, corporations
Terms
Up to 70% LTV and loan amounts from $100,000 to $5,000,000.
Speed
Direct access to capital for fast funding.
Requirements
No minimum credit scores or income requirements.
Benefits
No prepayment penalties or “junk fees”.
Austin Loan Programs
Hard Money Loans
Get fast, asset-based hard money loans for real estate purchases, refinancing, and investment opportunities.
Bridge Loans
Use bridge loans to leverage existing equity and transition between real estate transactions with short-term financing.
Private Money Loans
Secure fast approval and flexible financing through private money loans backed by residential or commercial real estate.
Commercial Loans
Finance commercial real estate purchases, refinancing, renovations, and business property investments with flexible loan options.
DSCR Loans
Get DSCR loans designed for rental property investors using property cash flow instead of personal income.
Owner-Occupied Loans
Access owner-occupied loans with flexible qualification options for refinances.
Investment Property Loans
Secure financing for rental properties, property acquisitions, renovations, and other real estate investments based on property value and investment potential.
Non-QM Loans
Access flexible financing with alternative income documentation and qualification options for borrowers who may not meet traditional lending requirements.
Trust Loans
Obtain financing for real estate held in a trust using the property’s equity and value to support purchases, refinancing, or other financial needs.
What Texas Borrowers Say About Us
How It Works
After underwriting your loan, we will provide you a written Loan Commitment providing loan terms for approval.
In a matter of days, not weeks like most lenders, the loan is funded through escrow and funds wired to you directly.
Why Source Capital Is One of the Best Hard Money Lenders in Austin
Deal Directly with the Lender
Austin Loan Rates
|
Interest Rates |
8.99% – 11.99% (1st Position)
11.99% – 13.99% (2nd Position) |
|
Loan Amounts |
$100,000 – $5,000,000 |
|
Loan Duration |
12-24 months |
|
Closing Timeframe |
10 business days or less |
|
LTV ratios |
Up to 70% LTV (1st Position)
Up to 60% LTV (2nd Position) |
|
Prepayment Penalty |
None |
|
Appraisal Fee |
None |
|
Credit Score |
No minimum |
|
Property Types |
Non-owner-occupied (multifamily, industrial, office, retail, and mixed-use) |
|
Origination Fee details |
Starting from 2.0% of loan amount (varies by size & term length) |
Cities We Serve in Texas
- Austin – One of the fastest-growing cities in Texas and an excellent destination for rental property investors.
- Dallas – One of the largest cities in Texas with a wide range of commercial and residential real estate opportunities.
- El Paso – A growing real estate market where home prices are on the lower end.
- Fort Worth – A great place for investors looking for affordable investment opportunities.
- Houston – The largest city in the state with diverse investment opportunities in and around the city.
- San Antonio – The second largest city in the state and an excellent market for investors.
- Waco – A less competitive real estate market where investors can find a wide variety of affordable homes.
As Featured In
Testimonials
“Smooth and fast transaction as the loan was funded in 8 days. They are a pleasure to work with – Strongly Recommended.”
Borna Eftekari
- Agent, Farmers Insurance
“They are always so patient, helpful, and professional. and have helped me so much! This can be such a stressful process, but they make it all so easy.”
Lauren Marcus
- Client
“I have always had a highly professional and honest experience with everyone on their team and would recommend to anyone looking for financing.”
Andrew Bellah
- Owner, The Bellah Group
“Highly recommend Source Capital Funding if you need money fast and you value efficiency. I will go back to them again if I need funding in the future.”
Kendall Heath
- Client
“They were very responsive and extremely helpful and would certainly use them again. I highly recommend their services.”
Alvin Fuchs
- Agent, Keller Williams Realty
“In all my years, I can confidently say they are the most professional, prompt, courteous, and efficient private lender I have ever worked with!”
Greg Shields
- Owner, GSI Appraisals
“Source Capital has been an absolute pleasure to work with throughout. These guys are on top of their game.”
Tyler Hanson
- Associate Broker, Cushman & Wakefield
“The team at Source are consummate professionals who work efficiently and effectively. Simply stated- truly exemplary and professional people”
Paul Elam
- Owner, San Diego’s Real Estate
“The team at Source Capital Funding was fantastic. Their professionalism, speed and solid loan terms is why I will be coming back to close more business with them.”
Sergio Abbud
- Senior Loan Officer, Better Rate Mortgage
“Recently completed another flawless transaction with Source Capital. Why would anyone want to go anywhere else? They’re the best.”
Marianne Bordogna
- Agent, Keller Williams Realty
Recently Funded Transactions
Hard Money Loan Resources for Texan Borrowers
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