We acquire single family and small multi-family properties in Katy, TX and surrounding areas. These properties are often distressed and can require significant rehab. We acquire "Fix and Rent" deals which are added to a portfolio of homes that we own and manage.

The house purchase is often made all-cash and backed with a private money loan.  This is a lower risk loan. Repayment of a loan is not dependent on the sale of the property to an owner occupant. The loan is ultimately cleared via a refinance or cash payoff.

We offer private lenders the opportunity to lend with cash or IRA funds on purchase price and rehab amounts that do not exceed 75% of the after repaired value. Loan terms are typically from 1 to 3 years in duration and are interest only. Interest rates are in line with risk and negotiated for each project.  Longer- term loans may be available.

Investors that want to keep their money actively working in the market for longer stretches of time, are less aggressive, and looking for moderate returns to grow long term wealth, may be a fit for our program.

A private money loan is a financial arrangement where individuals or private investors lend money to borrowers, typically for real estate investments. Unlike traditional bank loans, private money loans often have more flexible terms and quicker approval processes. They are commonly used by real estate investors who may not qualify for traditional financing or need a faster funding solution. Private money loans are secured by the property being purchased, and the terms can vary widely depending on the agreement between the borrower and lender. These loans can be a valuable tool for real estate investors seeking alternative financing options.

Private money loans offer several benefits, making them an attractive option for borrowers in certain situations. Here are some of the key advantages of private money loans:

Quick Approval and Funding: Private money loans often have shorter approval processes and faster funding timelines compared to traditional bank loans. This speed is especially beneficial for real estate investors who need to seize time-sensitive opportunities.

Flexible Terms: Private lenders can often offer more flexible terms, such as interest rates and repayment schedules, than traditional banks. Borrowers and lenders can negotiate terms that suit their specific needs and financial situations.

Credit History Flexibility: Private money lenders typically focus less on a borrower's credit history and more on the value of the collateral (usually real estate). This makes private money loans accessible to individuals with less-than-perfect credit or unique financial circumstances.

Customized Financing: Private money loans can be tailored to suit the unique requirements of a particular real estate project. Borrowers and lenders can collaborate to create loan terms that align with the property's investment potential and the borrower's goals.

Asset-Based Security: Private money loans are secured by the property being financed, which provides a sense of security to lenders. This asset-based approach often results in higher loan-to-value ratios compared to traditional loans.

Less Stringent Documentation: Private lenders may require less extensive documentation compared to banks, reducing paperwork and simplifying the application process.

Local Expertise: Many private money lenders are local investors with a deep understanding of the local real estate market. They can provide valuable insights and advice to borrowers.

Creative Financing: Private lenders may be more open to creative financing solutions, such as cross-collateralization or shared equity agreements, allowing borrowers to structure deals in innovative ways.

Availability for Non-Standard Properties: Private money loans can be used for properties that may not meet conventional lending criteria, such as fixer-uppers, distressed properties, or land development projects.

Bridge Financing: Private money loans are often used as bridge financing to cover short-term funding gaps until more conventional financing becomes available or a property is ready for resale.

Private money loans provide quick financing for real estate investments but come with risks. 

There may be higher interest rates, shorter loan terms, and substantial fees. Borrowers face potential foreclosure if they default, and unscrupulous lenders may exploit the less regulated space. 

Due diligence is crucial, and borrowers should consider their ability to repay larger down payments and plan for successful exits. Private money loans suit short-term needs but require careful evaluation, legal advice, and financial planning.

We pay our attorney to draw up the loan documents on behalf of private lenders and represent them throughout the transaction.