Let's Talk About Financing Your Project 409-735-6267 or 833-ILS-CASH
The Most Comprehensive Loan Product Suite
Select a state below to view the loan programs offered.
**We may not lend in certain areas or may have additional restrictions in certain areas.
We offer many loan programs to fit your investment needs.
Click on the loan products below to learn more.
Not sure which loan is best for you?
We can help! Call us at 409-735-6267 so we can discuss your options.
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
"IlS cash is the best lender in the business if you are an investor and need funding with no hassle. The staff is professional and easygoing, I have done over 10 deals with this company. The process is easy: no credit check, no paperwork or bank statement required. I know I can depend on ILS to get the deal done."
"Investor Loan Source, Wow.. never in my life have I ever worked with such professional and excellent staff. I love them ! They are really time efficient and get things done!! trust me! they are my #1 go to loan company."
"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
"Very efficient with their process. Great with short term, long term, commercial, and transactional funding."
"Excellent loan company, Thank you for your excellent service!"
Looking for more information? Contact us!
Resources To Help Make You Successful
How to Add Value to Your Properties
Your property is a valuable asset. Many investors are constantly looking for ways to increase its value. In the video below, Tom Berry shares practical ways to add value to your property during an inflationary period. Investor Loan Source, a hard money lending company, provides high-quality investment property loans to private real estate investors at … Read more
How to Get Started in Real Estate Investing
Have you thought about becoming a real estate investor? Tom Berry, CEO of Investor Loan Source, provides three important tips on becoming a successful investor in the real estate industry. For more tips and advice, follow Tom Berry on Facebook and Instagram. Investor Loan Source, a hard money lending company, provides high-quality investment property loans … Read more
The Importance of Due Diligence
Tom Berry, Co-Founder and CEO of Investor Loan Source, recently shared his thoughts on the importance of due diligence. He shares tips and stories to help real estate investors make better decisions when it comes to purchasing investment properties. Click the video below to view the entire presentation. Investor Loan Source, a hard money lending … Read more
2022 Economic Update
Tom Berry, Co-Founder and CEO of Investor Loan Source, recently shared valuable information at the Wealth Club’s March Meeting. He shared his thoughts on what to expect with the recent changes in our economy and how those changes may affect real estate investors. Click the video below to view the entire presentation. Investor Loan Source, … Read more
How to Choose the Right Real Estate Investment Loan
Most successful real estate investors understand that it takes time to achieve a return on their investments. The world of real estate can be filled with many unexpected twists and turns. However, choosing the right real estate investment loan may improve the possibility of great profits. Patience is key when building a lucrative portfolio. Keep … Read more
How to Flip a House￼
House flipping sounds like an easy and straightforward concept. But there is much more to finding a cheap house, purchasing it, and selling it for a profit. If it were that easy, the market would be over-saturated with house flipping real estate investors. A great deal of work goes into successfully flipping houses. Here are … Read more
3 Tips for Real Estate Investors
Real estate investing is an exciting industry that could yield high returns for the savvy entrepreneur. While investing in real estate can be profitable, it is not for everyone. Real estate investing does come with some risks, and it takes a great deal of planning and research to be successful. If you are interested in … Read more
Do you know the difference between a BPO, Appraisal, and Assessed Value?
Estimating the value of a property is an essential part of real estate investing. Depending on who you ask, why you ask, and for what purpose, you may get different answers. Whether your next purchase is for a fix-n-flip or a rental property, arm yourself with knowledge so you can be prepared to provide the … Read more
Mortgage vs. Deed of Trust: What is the Difference?
Why does it Matter? *We do not offer legal advice, please consult a professional When a borrower receives a loan to buy real estate, he/she agrees to pay the lender a certain amount of money according to the terms of the promissory note. To secure this debt the lender will require either a Mortgage or … Read more
Questions Every Real Estate Investor Must Ask Themselves!
When Socrates said, “Know thyself,” it is unlikely he was talking about real estate investing, but it is still good advice. Before considering any major investment, you need to make sure you know what you can or can’t do, what your goals are, and what you are comfortable with. Here are some questions to ask … Read more
Are You an Accredited Investor?
(We are not offering tax, legal, or investment advice. Please consult a professional) There are many opportunities out there for passive investors to take advantage of. Knowing if you are an accredited investor will help you to navigate the waters. “Accredited Investor” is a term used by the Securities and Exchange Commission (SEC) to differentiate … Read more
. If you are going to finance the sale of a property yourself, a loan servicer is essential to ensure everything is done legally and correctly.
Common Myths Regarding Hard Money
There are many misconceptions regarding hard money lenders in the real estate industry today, and yet for those in the know, it continuously proves to be a real estate investor’s biggest asset. Do not be put off by the stigma surrounding the word “hard money” or by stories you’ve heard about a friend of a … Read more
What Investors Should Know About Title Commitments
What is a Title Commitment and Why Do Investors Need One? The title commitment for insurance is the insurers promise to issue title insurance after closing and should be carefully reviewed and understood. It is essentially a disclosure document that outlines any issues/requirements that need to be addressed prior to closing as well as any … Read more
ARV, LTV and LTC: What Does it All Mean?
Lenders often use these acronyms to define their loan products. Understanding these terms will help you to choose the right lender for your project. ARV: After Repair Value This term is used by appraisers to tell the value of a structure once all items on the scope of work (SOW) have been completed. Most lenders … Read more
Debt vs. Equity
With so many options out there for real estate investors to choose from, understanding the pros and cons of debt vs. equity deals will help you make an informed decision. What is a Debt Deal? When investing in a debt deal you are the lender on a property. In exchange, you are promised a set … Read more
The In’s and Out’s of Due Diligence
The Importance of Due Diligence When investing in real estate proper due diligence is one of the most important keys to success. There are many issues that can arrive after closing that could have been prevented with a little homework. Thankfully, many professional underwriters and lending companies will aide in this endeavor once a contract … Read more
If you are a part of the real estate investing world, then you probably have heard that properly calculating a property’s debt to service coverage ratio (DSCR) is crucial. If you are newer to investing, you may wonder why it is so important. Lenders use this equation to determine if a rental investment property’s cash … Read more
How to Add Value to Investment Properties
Everyone wants to get the most BANG for their buck when it comes to real estate investing, but where to start can be overwhelming. Luckily, there are a few simple things you can do to accomplish just that and increase the value of your fix and flip property. Add a fresh coat of paint. The … Read more
Commercial Real Estate Terms Investors Should Know
Commercial real estate is in a league of its own when it comes to the real estate world. Evaluations, terminology, due diligence, and requirements all change when one ventures into this type of investment. Here are a few popular terms to help you feel more confident in this arena: Real Estate Broker – A licensed … Read more