The Most Comprehensive Loan Product Suite
NEW! One Time Close Fix to Rent Loan
Now available nationwide in all states that we lend in.
12 Months: Interest Only
Month 13+: Long Term Rate Based on Qualifications
One time processing fee of 5%
A TRUE one time close with a savings of approximately $1,500-2,500!
Select a state below to view the loan programs offered.
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 the 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.
House Flipping 101
Whether you’re looking for a new career or just a way to make money on the side, flipping houses can be profitable and rewarding if done right. In 2019 approximately 245,864 homes were flipped in the United States. The median gross flipping profit on home flips in the fourth quarter of 2019 was $62,500. Sounds like … Read more
Different Types of Investment Loans for Real Estate Property
Do you know the different real estate investment loans? Learn more from Investor Loan Source, a top investment property lender offering loans nationwide. Are you planning on investing in real estate? There are primarily two ways to do this, either with cash or with an investment loan. Not all real estate investors have cash on … Read more
Determining Fair Market Rent for Your Rental Property
At Investor Loan Source, we’re here to help you get the funds you need to invest in real estate. Rental properties can be an excellent source of income, and our real estate investor funding is a great way to get one or more rental properties under your belt so that you can begin collecting rent. … Read more
Home Staging Tips for Fix and Flip Properties
You’ve worked hard getting your fix and flip renovations done so you can get your investment property on the market. But before you begin showing your flip, there is one important step you may not want to skip that can maximize your return on investment – staging the home. Many studies show that not only … Read more
Money Maker or Money Pit?
Red Flags to Look for Before Buying Your Next Fix and Flip Property For fix and flip real estate investors, there’s nothing better than finding that perfect “diamond in the rough” property. It’s like a dream come true. It’s in the perfect location at the right price, but is what we like to call “an … Read more
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