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.
350+lenders shopped for you37states servedReal brokernot a call center
What You Can Get in Texas
Real ranges, not teaser rates. Your exact terms depend on the property, your experience, and the deal. Submit your scenario and we shop it for actual numbers.
8.99%
Rates from
0-15%
Down (0% on the right deal)
100% LTC
Max leverage
100%
Rehab funded via draws
1.0 DSCR
Rentals qualify from
7-10 days
Typical close
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
From 8.99%Up to 90% LTC100% rehab
Purchase plus rehab, funded through draws. Built for Texas flippers who win on speed.
DSCR
Rental Property Loans
From 1.0 DSCR30-yr fixedNo W-2 or tax returns
Qualify on the rent, not your income. For Texas buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
12-24 moInterest-only
Short-term capital to acquire, reposition, or stabilize before your long-term takeout.
New Construction
Ground-Up Construction
Up to 85-90% LTCSFR to small multifamily
Ground-up builds in Texas growth corridors, from single homes to small multifamily.
Active Markets
Cities We Fund Across Texas
Active lending across Texas's primary investor markets. Don't see your city? We broker statewide. Submit your deal and we'll match it to the right lender.
See what the numbers look like in Texas before you apply
Drag your purchase price, rehab, and ARV. These are live estimates on Capital Kings terms, from the same calculator we run on real deals.
Why Capital Kings
Built for Texas Investors
You're hiring a broker, not a lender. One application, 350+ lenders shopped, and we bring you the best fit for the deal instead of pitching a single product.
Fastest closes in TX. Many deals fund in 5-7 business days
Houston flip financing with Texas-native lenders
DFW DSCR rentals + new construction
Austin bridge & fix-and-flip
San Antonio cash-flow DSCR rentals
Ground-up new construction up to 90% LTC
Texas-based broker with on-the-ground knowledge
Common Questions
Texas Lending FAQ
Do you lend hard money loans in Texas?
Yes. Capital Kings brokers hard money, DSCR, bridge, and fix-and-flip loans across Texas through our 350+ lender network. We close Texas deals in as little as 7 days.
What cities in Texas does Capital Kings lend in?
We broker investor loans statewide in Texas, with active deal flow in Houston, Dallas, Cypress, Spring, Austin 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 broker 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?
It depends on the deal. Most Texas hard money loans run 10-15% down, new investors can start around 5%, and experienced investors hit 0% down on the right scenario. Rehab is always 100% funded through draws. Submit your deal and we'll tell you exactly where you land.
Learn More
Texas Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every Texas deal we close.
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.
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.
Capital Kings home state