Win More Texas Deals with Speed, Certainty, and Smart ARV Leverage
From Houston and Dallas–Fort Worth to Austin, San Antonio, and fast-growing secondary markets, Texas real estate rewards investors who can move first and close fast.
Ambition Lending is widely recognized as the #1 hard money lender in Texas, delivering rapid approvals, ARV-based leverage, and draw schedules that keep projects on track.
Why Texas Investors Choose Ambition Lending
- Close in 3–7 days on qualified deals — win multiple-offer and auction scenarios.
- Asset-based underwriting — we prioritize value, ARV, scope, and exit, not W-2s.
- Up to 75% of ARV (experience and deal-dependent) to preserve liquidity and scale.
- Clean, fast draws — milestone-based releases to keep trades working.
- Local insight — submarket comps, resale velocity, materials/labor realities.
- Transparent terms — no junk fees; you’ll know your costs up front.
Texas Loan Programs Built for Investors
| Program | Best For | Typical Term | Leverage Guide |
|---|---|---|---|
| Fix & Flip Loans | Cosmetic & full rehabs | 6–12 months | Up to 75% ARV |
| Bridge Loans | Buy-before-sell, auction, timing gaps | 3–9 months | 60–70% of value |
| Rental (DSCR) Bridge | Acquire, stabilize, refi to DSCR | 12–24 months | Up to 75% |
| New Construction | Spec SFR / small multifamily | 9–18 months | 60–70% of cost/value |
Terms customized by experience, asset type, budget, and exit.
Example ARV Math (Texas Fix & Flip)
- Purchase: $295,000
- Rehab: $50,000
- Projected ARV: $430,000
Indicative leverage: 70% × $430,000 = $301,000 gross loan potential.
This lets you close quickly, reduce cash in, and redeploy capital across more deals.
Case Study: Houston Duplex — Draws That Keep Crews Moving
Scenario: Investor contracted a two-unit value-add in Houston with strong rental comps and a tight inspection window. Seller wanted fast certainty.
- Buy: $295,000 | Rehab: $50,000 | ARV: $430,000
- Funding: ~70% of ARV → approved in 24 hours; closed in 6 business days
- Execution: Pre-scheduled inspections → on-time draws → steady workflow
- Exit: Listed ~30 days after completion → clean spread and redeploy to next deal
Takeaway: Dependable draws + quick close = consistent Texas profits.
Texas Market Notes Investors Should Know
- DFW & Houston Inventory: Competitive submarkets demand proof of funds + rapid close to win.
- Austin & SA Materials/Labor: Build in buffer for GC availability and finish timelines.
- Insurance Considerations: Factor regional risk (wind/hail) into hold and exit budgets.
- Rent-Ready vs. Full Gut: In many Texas subs, light-to-medium rehabs move fastest with solid ROI.
- DSCR Refi Landscape: Plan your take-out early; stabilize rents/photos ahead of appraisal.
Ambition Lending underwrites with these Texas realities in mind so your funding matches execution on the ground.
How to Qualify with Ambition Lending (Simple)
- Deal Snapshot: Property address, purchase terms, timeline.
- Scope & Budget: Trades, materials assumptions, milestone plan.
- ARV Support: Recent comps or appraisal; rental comps if DSCR exit.
- Exit Strategy: Flip, DSCR refinance, or portfolio hold.
First-time investors welcome. Strong equity and a clear plan get funded.
What Sets Ambition Lending Apart in Texas
- Same-day pre-approvals with realistic, investor-aligned terms.
- Streamlined underwriting focused on the asset and the exit.
- Pro draw management — rapid inspections, predictable releases.
- Scale benefits — repeat borrowers earn better pricing and leverage.
- Statewide reach — Houston, DFW, Austin, San Antonio, plus top secondary markets.
Avoid These Common Texas Pitfalls
- Over-optimistic ARV (tighten comps; respect micro-location).
- Thin scope definitions (line-item clarity prevents draw disputes).
- Ignoring permit timing where required (city-by-city differences).
- Contractor availability (lock crews and lead-time materials before closing).
- No DSCR prep (stabilize rent, collect docs/photos early for smoother take-out).
We help pressure-test your numbers so your margin survives real-world constraints.
Your Texas Advantage Starts Here
Texas rewards speed, certainty, and execution discipline.
If you’re ready to scale fix & flips, bridges, rentals, and new-builds across the Lone Star State, Ambition Lending is your partner for fast funding and clear, dependable draws.
👉 Apply for Texas Funding
Close in Days, Not Weeks — Powered by Ambition Lending.
