Real Estate & Commercial Lending in Houston, Dallas, & San Antonio

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Real Estate Investing Programs

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Conventional Loan Programs

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Refinancing Loan Programs

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Lender Services

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Hard Money Loans

Hard Money Loans Read More

The Best Money Lender in Houston, Dallas, & San Antonio

Capital Concepts is your preferred private money lender in Houston, TX. We provide the best real estate investing options in Houston, Dallas, and San Antonio, TX. Our smart lending solutions, including investing options and private lending, allow our clients to create sustainable investments that give profits in the long term.
If you’re thinking about making a sustainable investment in the real estate market, Capital Concepts can help you create these through feasible options. Our team of experts work together with each client to understand his or her needs and investment goals to get the best outcome. We provide financing for remodeling a home for resale, refinancing for long term investment, and other sustainable investment purposes. We aim to provide every client with the best tailored real estate investments in Houston, TX..

Hard Money Loans in Houston, TX

Capital Concepts provides hard money loans in Houston, TX. Whether you want to buy a new property, remodel your home for resale, or get financing for an investment, our team of experts can design a tailor-made option for you that will match your needs and help you achieve your long- and short-term goals in time.

Need financing? Get in touch with us today!

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    Jason Bible and Sean Riley with Capital Concepts

    REVIEWS

    Erick B

    As an investor, networking is VERY important to the overall success of my business. It was great meeting other like minded individuals and the connections I made were great as well. I look forward to attending the next events that Capital Concepts have coming up in the future.

    Erick B
    Tamekio F

    I loved how everyone was very engaging and I met a lot of great people!!!! This was my 1st event and the food was great the company was even better!!! I can’t wait to be part of the next one.

    Tamekio F
    Sara B

    Great networking, good mix of seasoned investors and newbies. Love seeing Blake, Sean, Helena & Angelina from Capital Concepts and Patrick and Roxy from Patten Law Firm and of course the regulars!

    Sara B
    Erick B

    As an investor, networking is VERY important to the overall success of my business. It was great meeting other like minded individuals and the connections I made were great as well. I look forward to attending the next events that Capital Concepts have coming up in the future.

    Erick B
    Dave J

    The host and hostess was very friendly. I got to meet with all types of people in the Houston area real estate market. I got a lot of information from them.

    Dave J

    FAQ’s

    Good rule of thumb is 20% of the purchase price plus 6 months of mortgage payments for the subject property to include principal, interest, taxes, insurance, and HOA.

    They look for equity capture, which is when you buy an asset for less than it’s worth. Also, net month profit is a factor which is the after-tax profits and mortgage cost are subtracted.

    The Loan-to-Value (LTV) Ratio is the ratio of the mortgage lien as a percentage to the total appraised value of the property. The mortgage lien is the security from the lender to support the loan for the purchase of real estate, and the appraised value is an evaluation of an investment property’s value based on comparable sales and the property as an entity.

    It is the value of the property subject to all the disclosed repairs being done. This value is the “fixed-up” value and typically includes the investment properties cosmetic work and repairs.

    A Hard Money loan is a short term financing loan tool used to leverage your out of pocket in an investment property transaction. This type of loan allows you to purchase, rehab, and either flip for a profit or hold the property for rental income.

    The typical credit score for a Hard Money is 650, however there are some exceptions if you plan to “Flip” or resale the property.

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