Texas Fix & Flip Loans
Let our lending experts help
make your renovation a success.
make your renovation a success.
Get Pre-Approved Now
Instant term sheets. No income docs required.
Check out our new Referral Program!
Refer a Friend
Fix and flip loans for Texas real estate investors in Houston, San Antonio, and Dallas.
Flexible Financing for Texas Investors
LYNK Mortgage offers fix and flip loans built for active Texas investors — whether you're buying a single rehab or scaling a renovation pipeline, anywhere we lend. With rates from 8.50%, up to 95% LTC, and a 12 months term, our Texas fix and flip loan programs are designed to fund quickly without the hassle of bank underwriting.
Loan-to-value up to 70% ARV
Loan-to-cost up to 95% LTC
Accelerate Your Success
The real estate market moves fast, and having access to reliable fix and flip financing can give you the competitive edge you need to succeed. At LYNK Mortgage, we're committed to providing investors with the tools, funding, and expertise to transform properties and achieve exceptional returns with the best fix and flip loans available in Texas.
Borrow With Confidence
LYNK Mortgage has funded over $1 billion of fix and flip loans for projects just like yours. As a trusted direct lender, we bring years of experience and personalized service to every loan, giving you confidence that you are partnering with a team of experts who understand your real estate investment goals.
Make More Money
Fix and flip interest rates in Texas from 8.50%
Get Started Now
Start your fix and flip project with the financing you need today. Get pre-approved in minutes with our online application - or call us at 407-476-2500.
Where We Lend
Our fix and flip loans are available in: AL, AR, CO, CT, DC, DE, FL, GA, IA, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, NE, NJ, OH, OK, PA, RI, SC, TN, TX, VA, WI, WV
What's Special About Texas?
Texas remains one of the most active fix and flip markets in the country, driven by sustained population growth and relatively affordable housing stock. Dallas-Fort Worth, Houston, San Antonio, and Austin each offer distinct flip profiles — from suburban tract homes in DFW to older bungalows inside the 610 loop in Houston. No state income tax means your flip profits stay intact.
Texas property taxes run significantly higher than the national average — often 2% to 2.5% of assessed value — so holding costs add up fast if a project runs long. Speed matters here. The state has relatively light permitting requirements outside of Austin, which tends to have stricter code enforcement and longer timelines. Most Texas markets allow straightforward cosmetic renovations to proceed quickly.
The state's massive population growth continues to bring buyers from higher-cost states, creating reliable resale demand across every major metro at every price tier.
Texas runs four very different flip markets under one state line. DFW favors suburban tract product in cities like Plano, Frisco, and Mesquite where buyers want move-in-ready and finish quality matters more than design. Houston is the loosest regulatory environment of the four — unincorporated Harris County has no zoning, permits move quickly, and older bungalow stock inside the 610 loop trades hands fast. Austin runs the opposite playbook with rigorous code enforcement in the city limits and a higher-cost buyer pool. San Antonio sits in between, with affordable acquisitions and steady military and healthcare-driven buyer demand.
The two operational realities every Texas flipper has to underwrite: property taxes and weather. With effective rates often clearing 2% to 2.5% of assessed value, a $400K Houston flip can burn $8K+ per year in taxes alone — every extra month on the project compounds. Gulf Coast deals in Houston, Galveston, and Corpus require windstorm and hurricane insurance during the hold, and North Texas hailstorms regularly trigger roof claims that can either delay a flip or fund a free roof replacement depending on timing.
Texas Fix & Flip Loan Terms
Interest rate
From 8.50%
Max loan-to-cost (LTC)
95%
Max loan-to-value (LTV, ARV basis)
70%
Loan term
12 months
Max loan size
Up to $2.5 million
Draws
Online, 2–5 day funding
Typical close time
7–15 days
Texas Fix & Flip Borrower Requirements
Citizenship
U.S. citizen or permanent resident. Foreign-national borrowers considered case-by-case.
Entity
LLC or corporation only — no owner-occupied loans. Single- and multi-member LLCs both work.
Credit
Minimum FICO 660. Best pricing at 700+. Lower scores workable with offsetting strengths.
Property type
SFR, 2–4 unit, condo, PUD. Small multifamily up to 10 units considered.
Experience
First-time flippers welcome with stronger equity. Better pricing for borrowers with completed projects.
Liquidity
Enough to cover down payment, closing costs, and interest reserves through the rehab.
How Closing a Texas Fix & Flip Loan Works
1
Online pre-approval
Minutes. See your rate, fees, and term sheet upfront.
2
Submit deal docs
1–2 days. Purchase contract, scope of work, entity docs, experience summary.
3
Appraisal & underwriting
3–7 days. ARV valuation, budget review, title work.
4
Closing
Day 10 or sooner. Sign at title; initial funding wired same day in most cases.
5
Draws during rehab
Request online by line item. Inspection-based releases, typically funded in 2–5 business days.
Where We Lend in Texas
We originate fix and flip loans across Texas, including:
Houston, San Antonio, Dallas, Austin, Fort Worth, El Paso, Arlington, Corpus Christi, Plano, Lubbock, Irving, Garland
Not seeing your market? We lend statewide — reach out and we'll confirm coverage.
Our Lending Experts Are Here to Help
Thinking about a new fix and flip project in Texas? Ready to get an approval? We want to make your life easier with our flexible process and knowledgeable staff. Get started with our online pre-approval and you'll be one step closer to a fast closing.
The LYNK Mortgage Difference
Close in 7–15 Days
Human touch, AI speed — AI-assisted underwriting paired with a dedicated loan officer on every deal.
Instant Term Sheets
Transparent rates and fees upfront — no surprises, no waiting.
Dedicated Team
One loan officer on your deal from application to closing.
No Tax Returns
No income docs required — we focus on the deal, not your paperwork.
Direct Lender
We make our own decisions and fund with our own capital.
$1 billion+ Funded
Trusted by investors nationwide with a proven track record.
More From LYNK Mortgage
Fix & flip loans in nearby states
LYNK Mortgage also lends to investors in Oklahoma.
Analyze Your Deal
Our Fix & Flip ROI Calculator can help you quickly understand the investment potential of your renovation project.
Frequently Asked Questions
Getting started with a fix and flip loan from LYNK Mortgage is simple. Begin by completing our online application, which allows us to understand your funding needs. Our process is designed to minimize delays and maximize efficiency so that you can focus on what you do best: flipping properties in Texas for profit.
Renovation & Construction FAQs
Questions About Fix & Flip Loans in Texas
Copyright © LYNK Mortgage. All Rights Reserved.
LYNK Mortgage offers fix & flip loans, new construction loans, multi-family bridge loans, and DSCR rental loans to real estate investors.
Disclaimers: LYNK Mortgage makes loans solely for business purposes (and not for personal or consumer use) and is exempt from licensing in all states in which it operates. LYNK Mortgage does not lend on owner-occupied properties. Listed rates, terms, and conditions are offered only to qualified borrowers, may vary by loan product, deal structure, property state, or other applicable considerations, and are subject to change at any time without notice. No information on this site is intended to, or shall, create a legally binding commitment or obligation on the part of LYNK Mortgage and all terms are expressly subject to LYNK Mortgage's credit, legal, and investment approval process.
2301 Sugar Bush Road, Suite 310, Raleigh, NC 27612