Capital Kings home stateHard Money & DSCR Loans in Texas
Capital Kings is a Texas-based non-QM mortgage brokerage and Texas is our home market. We fund hard money, DSCR, fix-and-flip, bridge, and ground-up construction loans across every major TX metro. Houston, Dallas-Fort Worth, Austin, San Antonio, and every secondary city in between. This is the market we know deepest and lend most heavily in.
7-day fix-and-flip close No personal income docs (DSCR) 270+ lender network
Loan Products
Capital That Funds Texas Deals
Texas investor activity dwarfs most other states combined. Houston flip volume alone supports more lenders than entire regions of the country. DFW is a perpetual top-3 metro for investor demand. Austin moves on speed and price points that need the right lender pairing. San Antonio offers some of the strongest rental yields in the state. We know every one of these markets at the neighborhood level and our lender network is built around them.
Fix & Flip
Hard Money for Flips
7-10 day close, 90% LTC, 100% rehab funded through draws. Built for Texas fix-and-flip investors who need to win on speed.
DSCR
Rental Property Loans
Qualify on rental income. No W-2s, no tax returns. 30-year fixed available. Designed for Texas buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
Short-term financing for value-add acquisitions, repositioning, and lease-up. 12-24 month terms, interest-only.
New Construction
Ground-Up Construction
Up to 85-90% LTC for ground-up SFR, townhomes, and small multifamily. Texas growth corridors specifically.
Active Markets
Cities We Fund Across Texas
Active lending across Texas's primary investor markets. Don't see your city? We lend statewide. Submit your deal and we'll match it to the right lender.
Why Capital Kings
Built for Texas Investors
Fastest closes in TX
Many deals fund in 5-7 business days
Houston flip financing with Texas-native lenders
Available statewide for Texas investors.
DFW DSCR rentals + new construction
Available statewide for Texas investors.
Austin bridge & fix-and-flip
Available statewide for Texas investors.
San Antonio cash-flow DSCR rentals
Available statewide for Texas investors.
Ground-up new construction up to 90% LTC
Available statewide for Texas investors.
Texas-licensed broker with on-the-ground knowledge
Available statewide for Texas investors.
Common Questions
Texas Lending FAQ
Do you lend hard money loans in Texas?
Yes. Capital Kings funds hard money, DSCR, bridge, and fix-and-flip loans across Texas through our 270+ lender network. We close Texas deals in as little as 7 days.
What cities in Texas does Capital Kings lend in?
We fund investor loans statewide in Texas, with active deal flow in Houston, Dallas, Austin, San Antonio, Fort Worth and the surrounding metros.
Do you offer DSCR rental loans in Texas?
Yes. DSCR loans qualify the property on rental income (not your personal W-2), and we fund DSCR rentals across Texas on single-family, 2-4 unit, and small multifamily properties. Including short-term rentals where projected Airbnb income is allowed.
How fast can a Texas hard money loan close?
Most Texas fix-and-flip deals close in 7-10 business days. We have lenders in our network who can close in as few as 5 days for clean files with title and appraisal ready.
What's the minimum down payment for a Texas fix-and-flip loan?
As little as 0% down on the right deal. Most Texas hard money lenders ask for 10-15% down on the purchase price, but our network is wider than that. Brand new investors in Texas can get in with as little as 5% down. Even borrowers with rough credit can usually qualify at 10% down. And investors with a few previous deals under their belt can hit 0% down on the right scenario. 100% of rehab is funded through draw schedules in every case. The right structure depends on your experience, the deal, and what you're trying to accomplish, and that's exactly what we sort out when you submit your scenario.
Learn More
Texas Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every Texas deal we close.
Adjacent Markets
Also Lending In
M
Founder & Broker
Micah Foster
Micah specializes in Non-QM and hard money lending for real estate investors across 37 states. Based in Texas, he founded Capital Kings to give investors a true broker who shops the market on their behalf instead of pitching one lender's product.
Connect With Micah →Ready to fund your Texas deal?
Submit your scenario in under 3 minutes. We shop our 270+ lender network and come back with real terms, not a generic rate sheet.
Capital Kings, LLC is a non-QM mortgage brokerage. We are not a direct lender. We shop your scenario across a network of state-licensed direct lenders to find the best fit. Loans in Texas are originated by partner lenders licensed to lend in Texas. All loans subject to underwriting approval. Rates, terms, and program availability vary by lender and may change without notice. Hard money and DSCR loans are secured by real estate. Not for primary residences.