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1st Nationwide Mortgage

Texas Rehab Loans for Real Estate Investors

Rehab loans for Texas investors — purchase and renovation financing in one loan. Fix-and-flip, BRRRR, and value-add projects. Business-purpose lending, all 50 states.

Texas Rehab Loans for Real Estate Investors

A rehab loan combines purchase financing and renovation capital into a single short-term loan. Texas investors use rehab loans to acquire distressed or underperforming properties, fund the renovation, and either sell (fix-and-flip) or refinance into a long-term DSCR loan once the property is stabilized (BRRRR).

Rehab loans are business-purpose loans — they qualify on the property’s value and exit strategy, not personal income documents. Not subject to state residential mortgage licensing restrictions. Available in all 50 states.

Check Rehab Loan Eligibility Talk to a Loan Specialist — (833) 350-9185

Common Strategies

  • Fix-and-flip — acquire, renovate, and sell for profit
  • BRRRR — Buy, Rehab, Rent, Refinance, Repeat — rehab loan bridges into DSCR long-term financing
  • Value-add rental — distressed SFR or small multi-family repositioned for the rental market
  • Distressed multi-family — 2–4 unit or 5+ unit properties needing significant work

Typical Loan Terms

FeatureTypical Range
Loan amounts$75,000 – $5,000,000+
LTVUp to 90% of purchase + rehab costs; 70–75% ARV cap
Term6–18 months
Rate9.5–13% depending on LTV, market, and experience
Origination1.5–3 points
Draw scheduleInspection-based draws against approved budget
Close time10–21 business days
Income docsNot required

Frequently Asked Questions

Draw funds are released in stages as work is completed, based on third-party inspections against the approved renovation budget. A typical deal might have 3–5 draws. You cover work from your own funds and draw reimbursement after each inspection — keeps the lender and borrower aligned on progress.
Yes. Rehab loans are structured to cover both the acquisition cost and 100% of the renovation budget, up to the LTV limits based on ARV. Your equity contribution comes from the gap between total project cost and the loan amount.
Single-family homes (1–4 units), multi-family (5+ units), and mixed-use investment properties. Must be a non-owner-occupied investment or business-purpose property. Primary residences do not qualify.
Terms are typically 6–18 months — enough time to complete the renovation and either sell or refinance into a permanent DSCR loan. Extensions are available in most programs if the project runs long.
No. Rehab loans are business-purpose investment property loans and are not subject to state consumer lending or residential NMLS licensing requirements. We originate rehab loans across all 50 states.
Check Rehab Loan Eligibility Talk to a Loan Specialist — (833) 350-9185

Rehab loans are business-purpose loans for non-owner-occupied investment properties. Not consumer mortgage products. Not subject to TILA, RESPA, or state residential licensing laws. Terms, LTV, and rates vary by deal and market. Not all properties or borrowers will qualify. 1st Nationwide Mortgage, NMLS 1281.

Ready to Get Started?

Talk to a licensed loan officer about your options — no obligation.

Check Rehab Loan Eligibility Call (833) 350-9185

Available Loan Programs

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