Best Fix & Rent Lenders in Texas (2026)
Compare fix & rent lenders serving Texas real estate investors. We found 2 lenders offering fix-and-rent 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
8%–11% (bridge) → 6.5%–8.5% (perm)
Max LTV
80%–85% purchase, 100% rehab, 75% perm
Typical Terms
12–18 month bridge → 30-year permanent
Min Credit
660–700
Fix & Rent Lenders Serving Texas
| Lender | Rates | Max LTV | Min Credit | Loan Range | Speed | Rating |
|---|---|---|---|---|---|---|
| KiaviFeatured | 6.5%–12% | 80% | 640 | $100K–$3M | 10–21 days | 4.5 |
| Lima One CapitalFeatured | 7%–12.5% | 80% | 660 | $75K–$5M | 14–21 days | 4.3 |
Kiavi
4.5Kiavi (formerly LendingHome) is one of the largest tech-enabled lenders for real estate investors, offering fix-and-flip and DSCR rental loans with a fully digital platform. Known for fast closings and competitive pricing for experienced investors.
6.5%–12%
80%
640
10–21 days
$100K–$3M
No experience required
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 Fix-and-Rent Loans in Texas
Hybrid loans that combine short-term rehab financing with automatic conversion to a long-term DSCR loan. The one-loan BRRRR solution — no separate refinance needed.
Texas real estate investors use fix-and-rent loans for brrrr strategy investors and investors who want to rehab then hold long-term. Texas's lack of state income tax makes rental property returns even more attractive when combined with fix & rent financing.
Other Loan Types in Texas
Fix & Rent Lenders in Nearby States
Analyze Your Texas Deal
Use our free calculator to see if your Texas investment works with Fix & Rent financing.