Best Private Money Lenders in Texas (2026)
Compare private money lenders serving Texas real estate investors. Browse nationwide private money lenders available to Texas investors.
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%–15%
Max LTV
50%–75%
Typical Terms
Negotiable (6 months–5 years)
Min Credit
Negotiable
About Private Money Loans in Texas
Loans from individual private investors, family offices, or small funds — outside the institutional lending system. The most flexible financing available, with terms negotiated directly between borrower and lender.
Texas real estate investors use private money loans for investors with established personal networks and deals that don't fit institutional guidelines. Texas's lack of state income tax makes rental property returns even more attractive when combined with private money financing.
Other Loan Types in Texas
Private Money Lenders in Nearby States
Analyze Your Texas Deal
Use our free calculator to see if your Texas investment works with Private Money financing.