Houston Investor Loans
- Loan Size:
- Loan Term:
- Property Type:
- Occupants:
Fix & Flip
- Loan Size:Up To $1MM
- Loan Term:6 Months
- Property Type:1-4 Family
- Occupants:Non-Owner Occupied
Fix & Rent
- Loan Size:Up To $750K
- Loan Term:Month 13+ - Long term based on qualifications
- Property Type:1-4 Family
- Occupants:Non-Owner Occupied
Rental
- Loan Size:Up To $1MM
- Loan Term:5, 20, 30 Year Options
- Property Type:1-4 Family
- Occupants:Non-Owner Occupied
Wrapable
- Loan Size:Up To $1MM
- Loan Term:20 Years
- Property Type:1-4 Family
- Occupants:Non-Owner Occupied
Top Texas Markets

Houston Fix & Flip Loan Packages
Fix & Flip A | Fix & Flip B | Fix & Flip C | Fix & Flip D | One Time Close - Fix to Rent |
1-4 Family, Non-Owner Occupied | ||||
LLC Ownership Only | ||||
6 Month Term Interest Only | 6 Month Term Interest Only | 6 Month Term Interest Only | 6 Month Term Interest Only | 12 Months: Interest Only  Month 13+: Long Term Rate Based on Qualifications |
Up To 1MM Loan Size | Up To 750K Loan Size | Up To 750K Loan Size | Up To 750K Loan Size | Up To 750K Loan Size |
740+ Credit Score | 680-739 Credit Score | 600-679 Credit Score | No Credit Score Minimum | 600+ Credit Score |
70% LTV | 70% LTV | Â 70% LTV | 65% LTV | 70% LTV |
100% LTC | 100% LTC | Â 100% LTC | 100% LTC | 100% LTC |
25% of Rehab Cash on Hand Required | 25% of Rehab Cash on Hand Required | 25% of Rehab Cash on Hand Required | 25% of Rehab Cash on Hand Required | 25% of Rehab Cash on Hand Required |
2.75 % at Closing | 3.5 % at Closing | 4 % at Closing | 4 % at Closing | Close Only One Time - 5 % |

Houston Rental Loan Packages
5 Year Rental
5/20 Rental A | 5/20 Rental B | 5/20 Rental C | |
1-4 Family, Non-Owner Occupied | |||
5 Year Balloon Payment, 20 Year Amortization | |||
Fixed Rate Loan | |||
LLC Ownership Only | |||
Up To 1MM Loan Size | Up To 1MM Loan Size | Up To 1MM Loan Size | |
740+ Credit Score | 680-739 Credit Score | 600-679 Credit Score | |
70% LTV | 70% LTV | Â 70% LTV | |
100% LTC | 100% LTC | Â 100% LTC | |
1.35 Minimum DSCR | 1.35 Minimum DSCR | 1.35 Minimum DSCR | |
2.75 % at Closing | 3.5 % at Closing | 4 % at Closing |
20 Year Rental
20/20 Rental A | 20/20 Rental B | 20/20 Rental C | |
1-4 Family, Non-Owner Occupied | |||
No Balloon Payment, 20 Year Amortization | |||
36-Month Adjustable Rate Mortgage | |||
LLC Ownership Only | |||
Up To 1MM Loan Size | Up To 1MM Loan Size | Up To 1MM Loan Size | |
740+ Credit Score | 680-739 Credit Score | 600-679 Credit Score | |
70% LTV | 70% LTV | Â 70% LTV | |
100% LTC | 100% LTC | Â 100% LTC | |
1.35 Minimum DSCR | 1.35 Minimum DSCR | 1.35 Minimum DSCR | |
2.75 % at Closing | 3.5 % at Closing | 4 % at Closing |
30 Year Rental
30/30 Rental A | 30/30 Rental B | 30/30 Rental C | |
1-4 Family, Non-Owner Occupied | |||
No Balloon Payment, 30 Year Amortization | |||
36-Month Adjustable Rate Mortgage | |||
LLC Ownership Only | |||
Up To 1MM Loan Size | Up To 1MM Loan Size | Up To 1MM Loan Size | |
740+ Credit Score | 680-739 Credit Score | 600-679 Credit Score | |
70% LTV | 70% LTV | Â 70% LTV | |
100% LTC | 100% LTC | Â 100% LTC | |
1.35 Minimum DSCR | 1.35 Minimum DSCR | 1.35 Minimum DSCR | |
2.75 % at Closing | 3.5 % at Closing | 4 % at Closing |

Houston Wrapable Loan Packages
20/20 Wrapable A | 20/20 Wrapable B | 20/20 Wrapable C | |
1 Unit Single Family, Non-Owner Occupied | |||
No Balloon Payment, 20 Year Amortization | |||
Fixed Rate Mortgage | |||
LLC Ownership Only | |||
Up To 1MM Loan Size | Up To 1MM Loan Size | Up To 1MM Loan Size | |
740+ Credit Score | 680-739 Credit Score | 600-679 Credit Score | |
70% LTV | 70% LTV | Â 70% LTV | |
100% LTC | 100% LTC | Â 100% LTC | |
1.35 Minimum DSCR | 1.35 Minimum DSCR | 1.35 Minimum DSCR | |
2.75 % at Closing | 3.5 % at Closing | 4 % at Closing |
Resources for Real Estate Investors

Residential vs. Commercial Real Estate Investing
One of the most common questions from people considering real estate investing is whether they should focus on residential or commercial properties. There are many factors to consider when making this decision, but here’s a quick breakdown of some of the significant differences and benefits of both real estate investing avenues. What Is Residential and … Read more

Where Are Real Estate Deals Coming From in 2023
As the new year brings changes and uncertainty to the real estate market, it can also bring opportunities. An ongoing challenge for all real estate investors is finding investment deals, whether off-market or not. Will a changing market mean changes to the way investors find deals? There is no doubt that we will see changes … Read more

4 Fundamentals of Commercial Property Investing for Beginners
For those looking to start investing in commercial real estate properties, basic foundational knowledge is necessary to know where to begin and how to manage such lucrative investments. Here are the four fundamentals investors should look for to find sound, sustainable, and profitable commercial real estate investments. 1. Finding the right strategy Like residential real … Read more

How to Choose the Best Location for Investment Properties
A good location can’t be overlooked in real estate, and it is one of the most important features determining the property’s value. However, many factors come into play to make a location good or bad. Let’s look at the different factors real estate investors should consider when choosing a location for their investment property. 1. … Read more

3 Strategies for Increasing the Cash Flow of Your Real Estate Properties
In real estate investing, cash flow is the profit you bring after collecting all income, paying operating expenses, and setting aside reserves for future repairs. Depending on the case, the cash flow can be negative, break even, or positive. A real estate investor should always aim to reach positive cash flow, and here are three … Read more

How to Close Your First Real Estate Deal
Closing real estate deals may be an exciting thing investors experience over their careers, but that doesn’t mean the process isn’t lengthy and confusing. Not only do you need to have the right property in the right location, you also need to do the right work and sell at just the right amount. In the … Read more

3 Reasons You Should Invest in Commercial Real Estate
Commercial real estate may deliver the appreciation and stable returns most investors are looking for, even during economic uncertainty. The volume of capital invested in commercial real estate further demonstrates its proven worth as an asset. It also may offer investors a more diversified, balanced, and scalable approach to real estate investing. Whether you’re considering … Read more

What are the Best Types of Properties for Real Estate Investors?
The first step as a real estate investor is usually the most difficult. New investors may feel overwhelmed by everything they don’t know about real estate: the terminology, the market, the capital, the risks, and the rewards. The variety of investment properties available makes real estate a popular investing strategy among investors. Whether you are … Read more

How Recent Interest Rates Impact Real Estate Investors
Tom Berry, Co-founder and CEO of Investor Loan Source, is an experienced real estate investor. He shared his thoughts on current interest rates and how they will impact real estate investors. Check out the video below as Tom Berry goes into more detail about the current impact. Investor Loan Source, a private money lending company, … Read more

3 Challenges Buyers Face When Rehabbing Properties
Rehabbing a house is one of the most popular exit strategies in real estate investing. Real estate investors of all backgrounds and starting points have come to know the benefits of real estate rehabs. To start rehabbing houses, carefully lay out your goals and identify which rehab type best aligns with your situation. Learn the … Read more

Fixing and Flipping a House Guide
Fixing and flipping houses is a fascinating business. By establishing this new venture, you may be able to substantially increase your income-not to mention you’ll also develop investments that will allow you to reach financial freedom. By following this fix and flip guide, you may be able to engage in more effective investments. 1. Understand … Read more

The Future of DSCR Loans
by Tom Berry Over the last year, we have seen a massive increase in interest rates on DSCR loans. DSCR stands for debt service coverage ratio and is one way the lender analyzes a loan. Real estate investors use DSCR loans to build a rental portfolio. Credit score, experience, loan-to-value, and asset type are other … Read more

Tips for First-Time Real Estate Investors
First-time real estate investors should keep in mind that it’s not a sprint, but a marathon. No one can expect to succeed right away. Be patient, do your homework and consider the long-term payoff when you make the jump into investing. In the video below Natalie Larson, CSR Manager of Investor Loan Source, shares tips … Read more

Types of Real Estate Investments
The key to investing in real estate is first determining what type of real estate investment is suitable for your portfolio. There are different types to consider, each with unique benefits and profitability. To help you decide which investment to pursue, we have outlined a few options for real estate investors. Residential Real Estate Residential … Read more

Three Tips to Simplify the Due Diligence Process
Due diligence is an integral part of any real estate investment. Performing due diligence ensures real estate investors know exactly what they’re in for with a property. Buying a property can be costly. The correct information is essential when making an important decision.  In simple form, due diligence involves the examination of every aspect of … Read more

The Power of Self-Discipline
Tom Berry, Co-Founder and CEO of Investor Loan Source, recently shared his thoughts on the power of self-discipline. 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 private money lending company, … Read more

Using a Contractor to Rehab a Flip
A knowledgeable contractor’s help can enormously help organize a flipping project and provide insight into what is possible with a property. A contractor may guide real estate investors with what type of changes they want to make and if they will be helpful or damaging. Additionally, a contractor will help investors oversee the home renovation … Read more

Evaluating a House to Flip
Finding house to flip can be difficult. But that doesn’t mean you should jump at the first opportunity you come across. An investor needs to know how to choose the right property. In this article, we will explain a three steps that may be used to evaluate a fix-and-flip project. Evaluating a Home’s Interior Walk … Read more

3 Mistakes to Avoid on Your First Real Estate Investment
Your first real estate investment will be a learning process. While you may make a few mistakes along the way, educating yourself may help you avoid some common pitfalls. From misjudging resale or rent value to not doing proper due diligence, new real estate investors are at risk of losing serious cash if they’re not careful. … Read more

Tips to Close Your First Deal
Despite the excitement of closing a real estate deal, the process isn’t always simple and straightforward. In fact, there are a large number of investors who are eager to close a deal for the first time but don’t quite know how to. In the video below Tom Berry, Co-founder and CEO of Investor Loan Source, … Read more