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 offer many loan programs to fit your investor needs.
We're not just another private or hard money lender.
Securing funding for real estate investing can be a challenge and drain on 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, as 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 real estate 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 real estate investment property 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 on financing 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.

"I highly recommend working with Investor Loan Source. As an active investor, I have struggled in the past to find lenders that can both keep up with my operation’s high volume, and retain my trust. When I started doing business with Investor Loan Source I noticed the difference right away. I found ILS to be a company comprised of highly trained, professional people with strong integrity. These people have been very honest and upfront about lending on a deal - this means everything to my business. It took no time at all for me to feel at ease when utilizing their loan products. So far, I have been very happy with all of their products. They always close on time if not sooner, always! We have closed 6 loans in 5 months and I have yet to experience an issue. I cannot say enough about Investor Loan Source. What Tom Berry and Donald Sutton have put together consistently meets my needs and exceeds expectations as an investor - I will continue to bring them my business.”
Efrain Gallardo, Principal and Owner
Tejas Seller Finance LLC

"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 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

Situations Where a Hard Money Loan Can Help
If you’re considering real estate investment, there’s a tool that could be helpful in bringing your investment dreams to fruition without extending your credit or hurting your bottom line. That investment tool is known as a hard money loan. Hard money lending in San Antonio can provide investors with quick access to funds for investment … Read more

Top Private Equity Strategies Investors Should Know
Private equity has long been a strong investment opportunity and has shown little signs of slowing down. This type of investing allows those looking to invest to purchase shares of private companies. There are a number of strategies that can be used by investors that are looking for private equity investment. Here are some of … Read more

Financing Investment Properties: A Guide for Newbies
If you’ve dreamed of investing in real estate in Texas but hesitate to jump in because you’re not sure about financing, continue reading. Real estate investing is one of the safest pathways to financial freedom and long-term wealth building. Don’t let a lack of funding cause you to abandon the dream. By following this guide, … Read more

Private Money Lenders: A Dream for Real Estate Investors
Every real estate investor knows that without money, there’s no deal. They also know banks and mortgage companies aren’t always the best solution for funding projects. If you’d rather fund real estate investments without using traditional financing, consider hard money lending. Here are a few reasons why private money lenders are often considered a dream … Read more

Mistakes to Avoid When Choosing a Real Estate Investment Loan
Thanks to real estate shows on television like Flip this House and Flip or Flop, more people are interested in real estate investing. While there’s money to made flipping houses and renovating properties, going into the process expecting to make a huge profit off your first flip isn’t realistic. Successful real estate investors build their … Read more

Understanding How Hard Money Loans Help in Flipping Houses
Investors are making money flipping houses and securing their financial future. House flipping is the process of buying homes in poor to fair condition, renovating them, and quickly putting them back on the market to sell for a greater return. If you’re interested in flipping real estate but don’t have the cash to invest upfront, … Read more

A Beginner’s Guide to Private Real Estate Fund Investing
Are you searching for investment opportunities that offer high returns in this volatile market? Real estate private investors know that real estate offers the finest rewards. These kind of investments are often handled by a third-party investment manager or sponsor. If this is something you’re interested in learning more about, keep reading for a quick … Read more

Tips for Choosing the Right Hard Money Lender
Hard money loans are preferred among real estate investors because of their quick turnaround time. However, not all hard money investment lenders in Texas are the same. To avoid getting talked into a bad deal, check out these tips for choosing the best hard money lender. Choose a Firm that Specializes in Hard Money Lending … Read more

Tips to Qualify for a Hard Money Loan
Hard money loans in Texas are a little bit different from regular bank loans. Those who have never tried to obtain one of these loans before may be a little unclear about what they need to qualify. Compared to traditional loans, there are fewer requirements. These loans are asset-based meaning the lender will mostly look … Read more

Signs of a Hard Money Loan Scam
Hard money loans have become a common tool used by real estate investors who need lump sums of money quickly to seize profitable opportunities before they slip away. Unlike traditional lending sources which require a much longer timeframe before releasing funds, hard money loans can get money in the hands of investors quickly with little … Read more

Understanding How a Hard Money Loan Works With Bad Credit
If you have bad credit, finding financial products to purchase a home isn’t always easy. It’s even harder when you’re a real estate investor and need a loan to purchase another property. When you’ve had properties foreclosed on or you’ve been late with payments, this brings your credit score down and makes it hard to … Read more

Bank vs Hard Money Loans
Are you familiar with the term hard money loan for real estate investing funding in Texas? You might have heard of this kind of loan before, but you may not understand how it differs from traditional bank loans. If you’re considering investing in real estate but don’t have a solid financial background or good credit, … Read more