Best Construction Lenders in Texas (2026)
Compare construction lenders serving Texas real estate investors. We found 2 lenders offering construction loans in Texas — see rates, LTV, credit requirements, and expert reviews below.
Investing in Texas
No state income tax, massive population growth, business-friendly environment. Austin, Dallas, Houston, and San Antonio each offer different investment profiles. High property taxes (2-3%) offset the income tax advantage.
Key Markets
Typical Rates
9%–13%
Max LTV
70%–80% of completed value
Typical Terms
12–24 months
Min Credit
680+
Construction Lenders Serving Texas
| Lender | Rates | Max LTV | Min Credit | Loan Range | Speed | Rating |
|---|---|---|---|---|---|---|
| CoreVestFeatured | 6.5%–10% | 75% | 660 | $500K–$100M | 21–45 days | 4.4 |
| Lima One CapitalFeatured | 7%–12.5% | 80% | 660 | $75K–$5M | 14–21 days | 4.3 |
CoreVest
4.4CoreVest (a Redwood Trust company) specializes in rental portfolio loans and build-to-rent financing. The go-to lender for investors with 5+ rental properties who want to consolidate under one blanket loan.
6.5%–10%
75%
660
21–45 days
$500K–$100M
5+ deals
Lima One Capital
4.3Lima One Capital is a full-service investment property lender offering fix-and-flip, bridge, rental (DSCR), construction, and multifamily loans. Known for broad product range and willingness to work with newer investors.
7%–12.5%
80%
660
14–21 days
$75K–$5M
No experience required
About Construction Loans in Texas
Financing for ground-up construction of investment properties, from single-family spec homes to build-to-rent developments. Funds disbursed in draws as construction milestones are completed.
Texas real estate investors use construction loans for build-to-rent developers and spec home builders. Texas's lack of state income tax makes rental property returns even more attractive when combined with construction financing.
Other Loan Types in Texas
Construction Lenders in Nearby States
Analyze Your Texas Deal
Use our free calculator to see if your Texas investment works with Construction financing.