Fast-growing and easy to work with.
We currently only offer loans in the states highlighted in green below, but plan on having products for the states of California, Washington, Arizona, and Oregon soon! Stay tuned & join our email list to be the first in the know.
Select a state below to view the loan programs offered.
We're not just another private or hard money lender.
Securing funding for real estate investing can be a challenge and drain your time and resources. Banks are reluctant to provide real estate investing funding, finding private lenders for real estate loans is difficult, and getting a flexible real estate owner-financed loan is next to impossible. Investor Loan Source (ILS) was designed with you in mind and was created by real estate investors for real estate investors to solve the problems of financing. Our single mission is to provide high-quality investment property loans to private real estate investors with the lowest costs possible.
Our process for providing real estate investor funding is unique. We place more emphasis on the hard asset and value of the collateral (property) and less on the borrower. Our asset-based real estate investment loan model means we can provide more money to more investors than is available from standard bank loan models. If you’ve been seeking out a hard money loan for a real estate investment, you know that finding lenders who will loan cash for buying and fixing properties on a short timeline is difficult. At ILS, providing real estate investor loans is our business; it’s all we do. We offer several business real estate loan products designed to serve a variety of investor and property profiles, including loans for properties to sell on owner finance.
Your customer experience matters to us. Our loan products were created to meet the needs of today’s investor, our office staff is reliable and highly trained, and we have simplified a typically arduous process. ILS is more than simply a lender for real estate investors; we’re your partner in building a successful and lucrative real estate business. When you work with ILS to finance your real estate deals, you’ll find the products and the help you need to take your business to the next level.
People who love us.
"After 30 years of working in corporate America, I knew there was a better way. I started looking for a professional, private lender that understood the Houston/Galveston market - who could help me buy properties and realize the best possible return. Tom Berry and the Investor Loan Source team of lenders was the right choice. Tom and his team are very knowledgeable. They will recommend you to not purchase a property if the numbers do not work correctly. Since 2015 I have purchased several properties through them. Now my daughter works with them as well, and she has purchased 3 homes in 2017. She and I are excited about the potential that now exists. We are looking to buy another 4 to 5 rentals in 2018! For a young person starting out, Tom has made it easy to get involved in the real estate market. We are very glad to have a professional investor like him and his team in our corner providing excellent resources. I would highly recommend Investor Loan Source if you are looking to buy a rental, to keep or even to rehab a property. Working with Tom and his team has been one of the best decisions we have made."
Nate Lewis, Project Manager
Apex Homes USA LLC
"Investor Loan Source recently funded the purchase and repair of a rental property I own in Corpus Christi, TX. The group at Investor Loan Source was very professional, helpful, and courteous throughout the entire process. Draw requests were funded in an extremely timely manner and the entire process was efficient. ILS provides asset based lending which allows them to help you in ways others lenders cannot. I would recommend ILS to anyone needing a fix and flip or buy, fix and hold loan."
Matt Downs, Owner
PICA House Solutions
Looking for more information? Contact us!
Resources to help make you successful.
The Basics of House Flipping
Do you ever watch reality tv house flipping shows and dream about making a big profit in weeks? Real estate investors that purchase homes in need of repairs and cosmetic work can earn huge returns in a relatively short period of time. It’s important to keep in mind that house flipping involves work and careful … Read more
How to Add Curb Appeal
You only get one chance to make a first impression. Having good curb appeal is one of the most important factors in attracting buyers to sell your fix and flip homes quickly. If your curb appeal is lacking, the right buyers may never even set foot in your home. Walk around your home and look … Read more
What Newbie Real Estate Investors Should Do in Lockdown
The real estate business isn’t easy to deal with, especially if you’re new to the industry. You may have to double your efforts to keep up with veterans and larger players in the field. You can contact money lenders who can help you with financing a real estate investment. And, during the lockdown, it’s best … Read more
A Letter from Our CEO, Tom Berry
As I write this letter, I can’t help but think that this will probably be the craziest, most unpredictable experience of my lifetime. First, I hope you and your family members are well and are in good spirits and optimistic about the future. I read in a “good book” one time that “without vision, the … Read more
Estimating Cash Flow on Multi-Family Rental Property
In the real estate industry, having skills in math is a must, especially when there’s profit involved. According to investment lenders, by estimating the potential cash flow, seasoned investors can tell if the multi-family rental property on the table is worth the time and money or not. The good news is, you don’t have to … Read more
How Hard Money Loans Can Help Close Deals Quickly
Hard money loans are an excellent choice for purchasing a property that you intend to flip or use as a rental. They can be easier to obtain than other loans, especially for borrowers that don’t have a high credit score or are looking for faster funding than traditional loans provide. If you’re purchasing real estate investment … Read more
Why Choose a Hard Money Loan for Distressed Property Deals?
A distressed property is a property that’s being sold by the lender or is in foreclosure. There are a few different reasons a property may be in this situation, but regardless of the cause, a distressed property offers a great opportunity for investors to get a great purchase price and significant profit. If you’re considering … Read more
The Perks of Investing in Commercial Property
When it comes to smart investments, real estate is usually a safe bet. Though both commercial and residential properties can be excellent opportunities, commercial properties tend to offer a bigger financial payoff than single-family homes and rental apartments do. But that’s not the only advantage they have over residential properties. Before you begin looking for … Read more
Hard Money Lending vs. Crowdfunding: A Realty Test
Real estate investing can turn a substantial return when investors understand market trends and demographics and have a good understanding of what will make a good investment property. Investing in real estate requires capital, which is not always readily available, especially when you’re beginning the investment process. Fortunately, there are different ways you can obtain … Read more
Top Considerations before Investing in a Real Estate Project
Investing in real estate is an attractive option for new and old investors alike. However, no matter where you fall experience-wise in investing, it’s crucial that you go into real estate investment understanding a few important factors. If you’ve been presented with a new opportunity for real estate investing, here are some things you should … Read more
Top Hard Money Loan Exit Strategies
Hard money loans are a great way to get into the world of real estate investments. These loans don’t have as stringent of income or credit score requirements, so they’re a great option for many borrowers. However, the duration term is much shorter than conventional loans and hard money loans usually have higher interest rates … Read more
The Five C’s of Securing a Commercial Real Estate Loan
There’s no doubt that commercial lending practices have become more regimented since 2008, since lenders must take additional steps to protect themselves from losses by evaluating the credit worthiness of commercial borrowers. This enhanced focus on the credit worthiness of borrowers and their loan requests has in some ways restricted lending, but it represents a … Read more
Investing in Transitional Properties With Hard Money Loans
“Transitional property” is a newly coined term for something that’s been around for ages. It poses bigger risks than typical properties, but its return on investment is better. What Qualifies as a Transitional Property? It’s a structure or piece of land that’s changing from one type of real estate to another. Some examples include an old … Read more
Tips for Avoiding Common Hard Money Lender Scams
For many engaged in real estate investing, hard money loans, also known as bridge loans, can be a helpful tool in financing transactions quickly and efficiently without the need for an extensive approval process. That’s because the loan approval is not based on the credit worthiness of the borrower, but rather the appraised value of … Read more
How to Maximize Return on Your Commercial Real Estate Investment
There’s always a degree of risk in any investment. However, there is a tremendous upside in that you can make great gains with a little savvy, research, knowledge, and good luck. Commercial real estate investment can offer one of the most reliable and lucrative types of real estate investment opportunities. Because of that, commercial real … Read more
Is a Fixed or Variable Rate Best for Your Investment Loan?
There are numerous ways to make a big profit in real estate, whether you’re planning to flip homes, purchase more rental properties, or sell rental properties to tenants. However, you need a good amount of capital to do this, so it’s important to know which loans will best meet your needs. Investment lenders in Texas … Read more
A Loan-to-Value Ratio Guide for Real Estate Investors
Loan-to-value ratios are an important metric for investor real estate loans in Texas and other states. LTVs determine the amount of the loan by comparing the value of the property involved. As a real estate investor, you need to be familiar with loan-to-value ratios. Here is a guide that will help you understand the basics. … Read more
Residential vs Commercial Property Management
Those who enter the field of real estate investment in the Lone Star State likely begin the process by seeking out an investment property lender in Texas. However, the next professional service they need after securing investment property loans is a property management service to run the day-to-day operations of their recently acquired properties. For … Read more
Fixed vs Variable Rate Term: What’s Right for Your Investment Loan
Interested in getting an investment loan for some real estate in Texas? Loans differ from person to person, and the investor of your real estate loan needs to understand what your needs are before you can finalize the deal. Investor loans in Texas come with two rate term options—fixed and variable. Here is a simple guide to … Read more