Propel Real Estate Capital

Menu

Investment Residential Loans

Hard money loans for residential fix-and-flip projects, single-family rental acquisitions, and other investment properties in Texas.
Speak to a Loan Advisor

Built for Efficient Residential Investment Closings

Asset-based underwriting

Light documentation compared to traditional lenders

Direct access to local Texas decision-makers

Fast execution once appraisal and file are complete

Competitive rates for residential investment properties

Ideal For

  • Fix-and-flip investors
  • Single-family rental acquisitions
  • Short-term residential investment strategies

Program Overview

Program terms are outlined below and vary by deal structure, asset quality, and execution timeline.
Loan Amount $250K – $2.5M
Loan Types Acquisitions, Refinances, Cash-Out Refinances
Property Types Investment Residential (Multi-Unit), Short-Term Rentals (Airbnb, VRBO, etc.)
Max LTV Up to 70%
Rates 10%+
Term 2 Years Fixed | Hybrid Options Available
Amortization 12–24 months w/ 6 month extension available
DSCR .75x+ (Minimum)
Lender Fee 2+ points
Borrowers Single Purpose Entities, Corporations, etc.
Markets Texas
Prepay Penalties Case by Case Basis
Doc Type Light
Average Closing Time 5 Days after completed file and appraisal

Required Documentation

Documents you may be required to present as part of the loan underwriting process:

Property Documents

  • Purchase Contract
  • Payoff Statement (if refinance)
  • Plans & Permits
  • Sources & Uses of Funds
  • Scope of Work
  • Appraisal or Feasibility Report

Personal Documents

  • Loan Application
  • Track record / General Contract Resume
  • Last 3 months of Bank Statements
  • Driver's license (front & back)
  • Passport / Visa (if Foreign National)

Business Documents

  • Articles of Incorporation
  • Operating Agreement (LLC) or Bylaws (Corp.)
  • EIN letter
Other documentation may also be required.

Ready to Get Started?

Tell us the basics – we’ll let you know if it’s a fit and what the next step looks like.

    Lending Type

    I am a borrowerI am a broker

    Designed for both investors and broker-submitted deals


    Note: By submitting this form, you consent to be contacted by a Propel loan officer at the phone number and email address you provide, including by call, text message, and email, regarding your inquiry. Calls and texts may be made using an automated dialing system and/or an artificial or prerecorded voice (including an AI-powered phone agent). Message and data rates may apply.