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Hard money and fix and flip loans in Fort Worth, Texas
Financing for older houses near downtown, single-family rentals and build-to-rent new construction across Fort Worth.
The Fort Worth market for investors
Fort Worth is one of the largest cities in Texas and one of the fastest-growing, with new subdivisions on its north and west sides and older neighborhoods close to downtown, the Medical District and Texas Christian University.
Investors renovate older houses in established neighborhoods, hold single-family rentals, and build new homes to sell or rent on the city’s edges. Fort Worth keeps short-term rentals out of residential zones, so most rental deals are underwritten on long-term rent.
Neighborhoods investors ask about
- Fairmount, Near Southside and Ryan Place: historic homes near the Medical District
- Polytechnic, Riverside and East Fort Worth: lower-priced homes to renovate
- Arlington Heights and Westover Hills area: higher-priced homes on the west side
- North Fort Worth and Alliance: newer subdivisions and build-to-rent
Plan for these on a Fort Worth deal
- Investment property gets no homestead exemption, and combined property tax rates in the metroplex are often around 2% of value or more. For 2024 to 2026 the taxable value of non-homestead property worth $5 million or less can rise no more than 20% a year, but the limit resets when the property sells. Budget with full market value.
- Texas has no transfer tax and no mortgage recording tax, so closing costs are mostly title insurance, at rates set by the state, and recording and lender fees.
- Fort Worth allows short-term rentals only in mixed-use, commercial and similar zoning districts, not in residential zones, and a court has upheld the rule.
- Exterior work in historic districts such as Fairmount needs approval from the city’s historic preservation commission.
- Expansive clay soil makes foundation movement common. Get a foundation inspection before you set the rehab budget.
- Hail and wind drive insurance costs, and an older roof can raise the premium. Get a quote before you make an offer.
Loans available in Fort Worth
| Program | Use it for | Top leverage |
|---|---|---|
| DSCR rental loans | Purchase or refinance of single-family rentals, duplexes, townhomes and small multifamily | 85% loan-to-value to buy, 80% on a cash-out refinance |
| Ground-up construction loans | Building a home, a duplex, a build-to-rent home or a small apartment building, lot included | 90% of cost for experienced builders, up to 70 to 75% of the finished value |
| Fix and flip loans | Purchase plus renovation of a property you intend to sell | 90% of the purchase price and 100% of the rehab, up to 70 to 75% of after-repair value |
| Portfolio and commercial loans | A group of rentals under one note, or multifamily and commercial property | 80% on a portfolio purchase; commercial priced per deal |
Fort Worth hard money loans: common questions
Yes. We finance fix and flips, rentals and construction across Fort Worth and Tarrant County.
Not in residential zones. Fort Worth allows short-term rentals only in mixed-use, commercial and similar districts, so we underwrite neighborhood houses on long-term rent.
Fix and flip loans average up to 21 days and can close in about 7 days when title and insurance are ready. Rental and DSCR loans take about 30 days, appraisal included. Closings are handled by a Texas title company.
Looking at a property in Fort Worth?
Send the address, the price and what you plan to do with the property. We will reply with the leverage and pricing that fit your deal.