Houston, TX · Fix & Flip

Fix & Flip loans in Houston, TX

The short answer

TSG Capital arranges fix & flip loans in Houston, TX — business-purpose financing on non-owner-occupied investment property, placed through our network of lenders rather than lent directly. TSG Capital arranges fix & flip loans for real estate investors — short-term, business-purpose financing that covers both the purchase and the rehab of a non-owner-occupied property. A deep, liquid investor market with strong rental demand and steady flip volume across a sprawling metro. Request a no-obligation term sheet to see terms for your Houston deal.

Fix & Flip financing for Houston investors

The Houston metro spans Harris, Fort Bend, and Montgomery counties — no zoning, a diverse job base, and neighborhoods at every price point make it one of the most active business-purpose lending markets in the country.

A fix & flip loan is short-term capital built for the way investors actually buy: fast, on the property, and structured around the deal rather than a personal credit box. TSG Capital arranges the acquisition financing and the rehab budget together, so you can close on a distressed property and fund the renovation from the same facility. Because the loan is business-purpose and secured by a non-owner-occupied investment property, it is underwritten primarily on the asset — the as-is value, the rehab scope, and the credible after-repair value (ARV) — not on your W-2 income.

Leverage on these loans is usually expressed two ways. Loan-to-cost (LTC) measures the loan against your total project cost (purchase plus rehab); lenders in our network often go up to roughly 85–90% of purchase and frequently 100% of rehab. Loan-to-ARV caps the loan against the finished value, commonly in the 65–75% range, which protects both you and the lender if the market softens. Rehab dollars are almost always held back and released in draws as work is completed and inspected, so you are only paying interest on money you have actually deployed.

Typical terms

Ranges below are typical across our lender network for fix & flip loans — not a quote or a guarantee. Availability and terms vary by lender and by property location.

Leverage

Up to ~90% of purchase (LTC) and often 100% of rehab; typically capped near 65–75% of ARV

Term

6–18 months, interest-only

Rate

Varies by lender, experience, and leverage — quoted as a range on your term sheet

Points

Origination points typically 1.5–3.5, deal-dependent

Time to close

Often 7–14 days once the file is complete

Is this structure a fit for your Houston deal?

Best fit	Typical exit	Lender focuses on
Distressed acquisition plus renovation	Short-term sale or refinance	As-is value, scope, ARV, experience

Who we work with in Houston

Investors buying distressed or value-add single-family and small multifamily to renovate and resell
Flippers who need purchase and rehab capital from one facility
Operators who value speed and certainty of close over the lowest possible rate
Entities (LLCs) taking title for business purposes — not owner-occupants

What to have ready

Send a complete first-look package so the request can be matched without guessing at the property, budget, or exit.

Property address and purchase contract

Entity documents and signer identification

Requested loan amount and intended exit

Current property photos and insurance contact

Itemized rehab scope and contractor bids

Comparable sales supporting the projected ARV

Houston fix & flip loan FAQ

Do you arrange fix & flip loans in Houston, TX?+

Yes. TSG Capital arranges fix & flip loans on non-owner-occupied investment property in Houston, TX, placing your deal through our network of business-purpose lenders. Submit the property and your numbers for a no-obligation term sheet.

What is a fix & flip loan?+

A short-term, business-purpose loan that funds both the purchase and the renovation of an investment property you intend to resell. It is secured by the property and typically sized against the after-repair value (ARV), with rehab money released in draws.

How much of the rehab will a fix & flip loan cover?+

Lenders in our network frequently fund up to 100% of the rehab budget, released through a draw schedule as work is completed and inspected. Purchase leverage is often up to roughly 85–90% of the price, with the total loan capped against ARV.

How fast can a fix & flip loan close?+

Because these are asset-based and business-purpose, closings often happen in about 7–14 days once title, insurance, and the rehab scope are in hand — far faster than a conventional mortgage.

Do I need a down payment?+

Usually yes. Most fix & flip lenders want the borrower to have skin in the game, commonly 10–15% of the purchase price plus closing costs, though leverage varies by experience and deal strength.