You’ve found the right property in Dallas, Houston, Austin, or San Antonio. The numbers work. The exit’s clear. Now you just need funding that moves as fast as you do.
At HiFi Hard Money, we fund, fix and flip loans across major markets in Texas, and we’ve built our process around one simple truth: real estate investors need speed, transparency, and terms that actually make sense. Since 2015, we’ve closed deals in every major Texas market, and we know what it takes to get investors from contract to closing without the runaround.
If you’re flipping single-family homes in DFW, SAT, AUS, or IAH, here’s what working with us looks like.
Why Texas Investors Choose HiFi for Fix and Flip Loans
We’re a Dallas-Fort Worth based hard money lender, but we fund projects throughout Texas’s major metropolitan areas. That means whether you’re rehabbing a Craftsman in East Dallas, a midcentury ranch in North Austin, a Heights bungalow in Houston, or a property near the San Antonio Riverwalk, we understand your market.
Our fix and flip loans are built for single-family homes. That’s where we focus because that’s where most investors build their businesses. We’ll occasionally consider small multifamily properties, but our sweet spot is detached single-family homes in strong neighborhoods across Texas’s four largest metros.
Here’s what sets us apart: we’re completely transparent about costs. We pass through appraisal costs and doc prep fees at exactly what we pay, nothing more. We don’t tack on administrative fees or underwriting charges. You’ll know your true all-in cost from day one.
Fast Closings Built Into Every Deal
We can close your deal in 5 business days if you’re new to HiFi. Returning investors who’ve worked with us before? We’ll get you funded in as little as 3 business days.
That speed matters when you’re competing for properties. Sellers and listing agents know the difference between a financed offer and one backed by a lender who can actually perform in under a week. We’ve structured our underwriting and draw process to eliminate delays, not create them.
How Much Can You Borrow?
We lend up to 75% of your property’s After-Repaired Value. Depending on your deal structure and experience level, that typically falls in the 65% to 75% range against ARV. That’s purchase price plus rehab budget, all rolled into one loan.
What makes our program different is how we handle fees. Most hard money lenders require points, origination fees, and interest upfront. We defer all of that until you sell the property. That means your points, third-party costs, and even your first month’s prorated interest don’t come out of pocket at closing. You pay when the deal exits, which frees up your capital for the project itself.
Our draw process is just as fast. We typically turn around draw requests the same day or next day. You’ll pay inspection and wire fees, but those are deferred until you sell.
Who This Works For and What We Look At
We work with both new and experienced investors. If this is your first flip, we’ll walk you through the process and make sure you understand every step. If you’ve done twenty deals, we’ll get out of your way and fund you fast.
We’re looking at the property value and your exit strategy more than anything else. Hard money loans are asset based, which means the real estate itself is what secures the loan. Your experience matters, your plan matters, but we’re not asking for two years of tax returns or perfect credit scores.
That said, we do need to see that you understand your market, you’ve run realistic numbers, and you have a clear path to selling or refinancing the property. We’ve funded thousands of projects across Texas, and we’ll share honest feedback about what we’re seeing in your market and on your deal.
The Process From Application to Funded
Applying takes a few minutes online. You’ll tell us about the property, your purchase price, your rehab budget, and your estimated ARV. We’ll review it quickly and give you preliminary terms, often within hours.
Once we’re aligned on terms, we’ll order the appraisal and start prepping your loan documents. You won’t pay for any of this upfront. We move through underwriting, clear any title issues, and get you to the closing table in that 3 to 5 business day window.
After closing, you start your rehab. When you need to draw funds for construction, you’ll submit your request with photos or videos showing progress. We keep our draw process simple because we know contractors and crews don’t wait around. Same day or next day turnaround is standard for us.
When your project is complete and you’re ready to sell, all those deferred fees get paid out of the proceeds. You walk away with your profit, we get repaid, and if the deal went well, you’ll probably be calling us about the next one.
What You Need to Know Before You Apply
Markets We Serve
We fund deals in major markets across Texas: Dallas-Fort Worth, San Antonio, Austin, and Houston. If you’re looking at a property in a rural area or a small town outside these metros, we’re probably not the right fit. We focus on these four markets because we know them well and we can move quickly there.
Property Types
Single-family homes are our focus. Detached houses in solid neighborhoods. We’re not funding condos, and while we might look at a small multifamily property, it’s rare in today’s lending environment. If you’re flipping a single-family home, you’re in the right place.
What to Have Ready
You don’t need a mountain of paperwork to get started. We’ll want your purchase contract, a realistic scope of work, and your estimated after-repair value with comps to back it up. The simpler you can make your rehab plan, the faster we can move. We prefer a one-page scope format, and we’ll help you with that if you need it.
Ready to Fund Your Next Texas Flip?
We’re based in Dallas-Fort Worth, but we’re closing deals across every major market in Texas. If you’re buying and flipping single-family homes and you need a lender who’ll be straight with you and move fast, let’s talk.
You can apply online right now at hifihardmoney.com, or call us directly at (972) 630-6676. A real person will pick up, and we’ll get you preliminary terms fast.
FAQs
Can you really close a fix and flip the loan in 5 business days?
Yes. For new investors working with HiFi for the first time, we typically close in 5 business days. If you’ve worked with us before, we can close in as little as 3 business days. We’ve built our process to eliminate delays, and we’re not exaggerating those timelines.
Do you lend on properties outside Dallas-Fort Worth?
Yes. We fund projects in major markets across Texas, including San Antonio, Austin, and Houston. We don’t fund rural properties or small towns outside these four metro areas because we focus where we have deep market knowledge.
What types of properties do you finance?
Single-family homes are our primary focus. We’re not funding condos, and small multifamily properties are rare for us in the current market. If you’re flipping a detached single-family home in a Texas major market, we’re the right call.
How do you handle fees?
We defer all typical upfront costs until your property sells. That includes points, third-party fees like appraisals and loan docs, your first month’s prorated interest, and draw fees. We pass through appraisal and doc prep costs at exactly what we pay, and we don’t charge administrative or underwriting fees. Everything gets paid when you exit the deal.
