Hard Money Loans

Hard Money Loans for Real Estate Investors

Hard Money Loans are a great resource for financing your rehabs for fix & flips or buy & holds when conventional lending is not available. However, when people think about private lenders, they’re mostly referring to hard money lenders. Capital Concepts provides funding for investors in Houston, San Antonio, Dallas/ Ft. Worth, and Austin. Our sister company, Investor Lending, is a direct lender and offers competitive rates for real estate investors.

How it Works

Hard Money Loans Houston TexasGet pre-qualified and apply at 4smartmoney.com then select Apply Now. During this process, your Hard Money Loan application will be reviewed by our in-house loan officer team members, and they will reach out to you shortly after your application is submitted.
Hard Money Loans Houston TXGo find your qualified investment property. You can do this by teaming up with a Realtor group, such as White Picket Realty in Houston, and/or adding your information to our investment property distribution list on our Contact Us page.
Hard Money Loans Dallas Texas Close on your Hard Money Loan, up to 70% ARV…100% Financing on Purchase and Rehab. Start recruiting your contractors and begin rehabbing your investment property.

Hard Money Loans Dallas TX Buy & Hold or Fix & Flip

  • Buy & Hold: Finish your rehab, pay off contractors, then lease your property to GOOD TENANTS to offset your monthly mortgage payment and leverage your capital.
  • Fix & Flip: Finish your rehab, pay off contractors, then sale your property and team up with a reputable Realtor.
Hard Money Loans Refinance your Buy & Hold into a convention Fannie Mae/ Freddie Mac loan.
Hard Money Loans Houston Finally, move to your next property!


Here are the facts

  • 100% Financing – Purchase REHAB
  • Max debt-to-income ratio is 50%
  • Finance up to 10 properties FNMA/ 10+ portfolio
  • Hard Money Loans Close in 5-19 Days
  • No Seasoning to REFI
  • Immediate Cash-out on 1-10 Properties


Kent W

I found the event very informative with just the right amount of humor, however sensing the honesty of the presenters was the most appealing to me. I should also mention the food was great which topped off the event.

Kent W

Have a New Question?

Here are a couple ways to get in touch with us

Give us a Call

We have certified and experienced real estate investment professionals standing by to answer any questions you many have and help you with your next steps.

For Houston Call: (713) 651-9500

For Dallas Call: (972) 573-9200

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