Fast & flexible finance

for real estate entrepreneurs and investors

across Texas

Bridge Loans in Texas: Fast, Flexible Private Lending

Texas is a core market for F2 Finance. We have been lending across the state since inception and we know this market well, from the major metros to smaller markets across the state. Texas is a place where we are actively looking to grow, and where we have built real experience on the ground.

Texas shares a lot of the same characteristics that make Florida so attractive to us as a lender. There is no personal state income tax, no state inheritance tax, and a regulatory environment that is broadly supportive of business and investment. These are not incidental features. They are the reason why Texas has consistently been one of the top destination states for domestic migration, attracting business owners, entrepreneurs, and capital from higher-tax states like California, New York, and Illinois. That migration story is structural and ongoing, and it underpins sustained demand for real estate across the state.

The Texas real estate market is large, diverse, and liquid. Dallas, Houston, Austin, and San Antonio each have their own distinct dynamics, and together they represent one of the deepest pools of real estate investment activity anywhere in the United States. For a bridge lender, that breadth of deal flow matters. We see residential, fix-and-flip, multifamily, and commercial deals across a wide range of price points and submarkets.

Texas: Why We Like This Market

Our conviction in Texas is based on fundamentals, not trends. A few key reasons we keep building our presence here:

- Tax environment. Texas has no personal state income tax and no state inheritance tax. For business owners and investors, particularly those relocating from the coasts, the financial case for being in Texas is compelling and it drives sustained inbound capital and population.

- Population and migration. Texas has been the number one destination state for domestic migration for several consecutive years. The Dallas-Fort Worth metro alone adds hundreds of thousands of residents annually. That growth creates real, persistent demand for housing and real estate investment at every price point.

- Business-friendly culture. Texas has a well-earned reputation as a place where businesses can operate efficiently, where regulation is proportionate, and where the overall cost of doing business is low. That culture attracts companies, and companies attract people, and people need places to live and work.

- Scale and diversity. Houston, Dallas, Austin, San Antonio, and a constellation of secondary cities like Fort Worth, El Paso, and the Rio Grande Valley give Texas a breadth of real estate markets that few states can match. We can be active across multiple markets simultaneously and still find compelling deals.

- Exit liquidity. Texas has one of the highest volumes of real estate transactions of any state in the US. Exit via sale or refinance is well-supported across the major metros.

Ready to Move on Your Texas Deal?

Submit your deal to F2 Finance and get a fast, no-obligation response. We lend on residential, fix-and-flip, multifamily, and select commercial real estate across Texas.

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Loans up to $3m.
We lend from $300k to $3m (and higher by exception).

From 1 month to 24 months.
We can lend short or provide a longer solution.

No prepay penalties.

You can pay your loan back whenever you want without any penalties (only 30 days notice/interest).

Fast funding / no red tape. Fastest lender in the market, completing deals in as short as 36 hours.

All property types.

We can lend against everything from SFR’s through to commercial, mixed-use, multi-family & vacant land.

Foreign nationals, low/no FICO.

We can lend to foreign nationals with no/ssn, nor FICO, and to some low FICO borrowers (550+).

If your deal makes sense, we can fund it.

We are a true balance sheet lender. You don’t have boxes to tick - we just have common sense underwriting.

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We don’t sell you out

Unlike most private lenders, we are a true balance sheet lender. Need an extension or a loan modification? With F2, you won’t have any nasty surprises dealing with a third party you’ve never heard of. You’ll be dealing with us, your actual lender.

Over two decades of experience

We have been active in the real estate private lending business for almost 20 years. With this experience, we know how to work with you to get the result you need.

See our latest product tearsheet here

HousingWire: ‘F2 Finance wants to capitalize on a fragmented fix-and-flip market, and help housing supply.’
“LendInvest co-founder Christian Faes launches US-based “fix and flip” lender”
“F2 Finance to lend into the $68B ‘fix & flip’ U.S. property market…”
‘Hard bridging loan done within a week of appraisal’