Hill Country Capital

About Hill Country Capital

Hill Country Capital's evolution was driven by the belief that there was an underserved Non-Prime market here in Central Texas. Launching in 2018, with nearly 20 years of experience in all aspects of real estate lending and construction, the market was in need of a partner who understood the complexity of serving borrowers deserving of credit but did not fit the bank's appetite. Our flexible products offer financial solutions to meet these challenges with options for both non-owner occupied residential and income-producing commercial properties, including multi-family, mixed-use, office, and retail buildings.

Loan Types Offered: Hard Money Loans, Investment Property Loans, Fix and Flip Loans, Commercial Hard Money Loans, New Construction Loans, Refinance / Cash Out Loans, Bridge Loans

Property Types Covered: Single Family, Multi Family, Apartment, Office, Retail, Land

Areas Served: TX

Lending Guidelines for Hill Country Capital

Below are the general loan guidelines published on the Hill Country Capital website. Please confirm all terms and rates directly with the lender.

Loan Examples

The following loans are for education purposes only. They do not represent actual loans executed by Hill Country Capital.

Loan Example 1

Jose takes a private money loan from Hill Country Capital in order to rehab a townhome to resale in Houston, TX. The sales price of the house is $300,000. The loan-to-value (LTV) on the deal is 70%. This means Jose will bring 30% of the sales price to the closing and the principle will be $210,000 on the deal. The note is interest only, with monthly payments, and is for 18 months at 9% interest with 1 points paid at the closing.

Therefore, Jose will need to contribute a $90,000 down payment plus pay a $2,100 origination fee. The monthly interest only payments will then total $1,575 to the lender. If Jose meets his goal of a $375,000 total sales price when the loan term expires, he would collect a gross profit of $44,550 after re-paying the principle on the note and subtracting the money he contributed at closing, the origination points, and the total monthly interest payments.

Loan Example 2

Kelly takes a loan from Hill Country Capital so she can remodel a townhome to flip in Houston, TX. The deal has the following parameters:

$300,000 sales price
75% loan to value (LTV)
18 month term
10% rate of interest
1% origination fee

Assuming a $435,000 sales price at the end of the 18 month term, the numbers for this deal would look like the following:

$435,000 sales price
- $225,000 principle on note (75% LTV)
- $75,000 down payment (25% on 75% LTV)
- $2,250 origination fee (1% of the $225,000 principle)
- $33,750 interest payments (18 months x 10% interest)
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= $99,000 gross profit (doesn't include taxes or renovation costs)