Texas Investor Financing

About Texas Investor Financing

Texas Investor Financing is a College Station, TX based private lender offering funding in College Station and Bryan. They provide loans for many different situations, including fix-and-flip loans, short term loans, and long term rental property loans. They issue rates ranging between 13% and 15%, loans with a maximum LTV of 70%, and terms up to 6 months. The focus of their lending is on single family homes and multi family residences.

Loan Types Offered: Investment Property Loans, Fix and Flip Loans, Bridge Loans

Property Types Covered: Single Family, Multi Family

Areas Served: College Station, Bryan

Lending Guidelines for Texas Investor Financing

Below are the general loan guidelines published on the Texas Investor Financing 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 Texas Investor Financing.

Loan Example 1

Opal is an investor in College Station, TX. She discovers a run-down property and decides to rehab it and sell it for a profit. The house costs $200,000 but she does not have the full amount so she takes a private money loan with Texas Investor Financing. The borrower will need to bring 35% of the sales price in cash to the closing based on a 65% loan to value set by the lending company. This makes the principle amount from Texas Investor Financing $130,000. The interest rate on the loan is 9% for a term of 18 months and the company requires a five point origination fee at closing. The interest payments are to be paid monthly and the principle amount will be repaid after the sale of the property.

Opal will have to contribute $70,000 to closing (35% on the 65% LTV), plus she will need to pay the $6,500 origination fee. The monthly interest only payments will then be $975 to Texas Investor Financing. If Opal sells the project for $240,000 after 18 months, she would make a total profit of $15,950 after subtracting the principle of $130,000, the money paid at the close of $70,000, the origination points of $6,500, and the aggregate interest payments of $17,550. This gross profit does not include remodeling costs.

Loan Example 2

Lucinda is a an investor in College Station, TX. She purchases an older property for a rehab project and obtains a private money loan from Texas Investor Financing with the following terms:

$220,000 sales price
75% loan to value (LTV)
18 month term
8% rate of interest
4% origination fee

Assuming a $297,000 sales price at the end of the 18 month term, the numbers for this deal would look like this:

$297,000 sales price
- $165,000 principle (75% LTV)
- $55,000 down payment (25% on 75% LTV)
- $6,600 origination points (4% of the $165,000 principle amount)
- $19,800 interest payments (18 months x 8% interest)
-----------------------
= $50,600 gross profit (doesn't include taxes or rehab costs)

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