Mortava
Contact Sales
Fix & Flip · Texas

Fix & flip loans in Texas — fund the deal, keep your cash.

Mortava fix & flip loans in Texas: 620+ FICO, up to 95% LTC + 100% of rehab, 12–18 month terms — statewide.

Texas is the largest investor market in the country — no state income tax, massive in-migration, and deep flip and DSCR inventory. Mortava funds flips statewide — up to 95% LTC plus 100% of rehab, draws within 24 hours, and 2-hour term sheets — so you can move fast on deals in Houston, Dallas, San Antonio and beyond.

Up to 95% LTC + 100% of the rehab funded
Rehab draws reimbursed within 24 hours
First-time flippers welcome (620+) · close in 7–10 days
Send your Texas project
2-hour term sheet · no hard credit pull.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why flippers finance Texas projects with Mortava

In a market like Texas, speed and leverage decide your margin. Mortava funds up to 95% of cost plus the full rehab, reimburses draws within 24 hours, and sends indicative term sheets in about two hours — so you can compete on Houston, Dallas, San Antonio, Austin deals and recycle capital into the next project faster.

Texas combines no state income tax with heavy in-migration — Houston, Dallas, San Antonio, and Austin each function as full-sized investor markets. Deal flow for both rental holds and flips is effectively continuous.

Top metros we fund
Houston, Dallas, San Antonio, Austin
Max leverage
Up to 95% LTC + 100% of rehab
Speed
Draws in 24h · close in 7–10 days · 2-hr term sheets
Terms
12–18 months · up to $5M · FICO 620+

The Texas tax angle

Texas has no state income tax, so flip profits face federal tax only for individual filers — meaningful when you run multiple projects a year. For the details, read our Texas capital gains tax guide, and confirm treatment with your tax advisor.

BRRRR in Texas

The same leverage that funds a Texas flip funds the "buy and rehab" half of BRRRR. Renovate in Houston or Dallas, rent it, then refinance into a 30-year DSCR loan instead of selling — our BRRRR method guide covers the handoff.

Guidelines reviewed July 2026 by the Mortava lending team.

Texas fix & flip loan FAQ

Can I get a fix and flip loan in Texas?
Yes. Mortava funds fix & flip projects across Texas, including Houston, Dallas, San Antonio, Austin. We lend up to 95% of loan-to-cost plus 100% of the rehab budget, so you keep cash in the deal.
How much can I borrow on a Texas flip?
Up to 95% of the purchase price (LTC) plus 100% of your rehab budget, capped at roughly 75% of the after-repair value (ARV). Loan amounts up to $5M in Texas.
Do you fund first-time flippers in Texas?
Yes — first-time flippers are welcome in Texas with a 620+ FICO. Stronger credit and prior projects unlock higher leverage.
Does Texas tax my fix and flip profits?
Texas has no state income tax, so flip profits are taxed at the federal level only for individual filers. How a gain is characterized depends on hold time and entity structure — run your setup past a tax professional.
Do you fund flips in Houston and Dallas?
Yes — Houston, Dallas, San Antonio, Austin and every other Texas market. Leverage and pricing are driven by your experience, FICO, and the deal's numbers, not the zip code.
Fix & flip loans by state
Flip in OregonFlip in PennsylvaniaFlip in Rhode IslandFlip in South CarolinaFlip in South DakotaFlip in TennesseeFlip in UtahFlip in VermontFlip in VirginiaFlip in WashingtonFlip in West VirginiaFlip in Wisconsin
All Fix & Flip programs → DSCR loans in Texas → Texas capital gains tax guide → Instant quote & pre-qualify →
Ask Vesty