Houston–Pasadena–The Woodlands · Direct lender
Investment property loans in Houston, TX
CR Equity AI funds DSCR, bridge and fix-and-flip loans for real estate investors in Houston, TX and across Harris, Fort Bend and Montgomery counties. We finance single-family, 2–4 unit, multifamily, mixed-use and commercial properties, with fix-and-flip funding in 24–48 hours and purchase closings in 9–15 days.
- Coverage
- 48 states
- Terms
- 5 minutes
- Fastest fund
- 24-48 hours
- Loan range
- $75K-$100M
Direct lender. We lend our own capital.
Houston's lower entry prices and sheer size give investors room to scale both flips and rentals. With no citywide zoning, mixed-use and small commercial conversions are also more common here than in most large metros.
Most of what we finance in the Houston–Pasadena–The Woodlands metro: Entry-price flips, rental portfolios and small commercial and mixed-use conversions.
Same national programs apply in Houston: DSCR for rentals, bridge for speed-sensitive acquisitions and lease-up, and fix and flip with rehab draws. Soft credit pull to see terms. Business-purpose only — not owner-occupied homes.
What we lend in Houston
Same programs as the rest of the site. These pages are the local door — not a second set of terms.
How Houston deals usually show up
Fix and flip in Houston
Purchase plus renovation with rehab draws sized to after-repair value. Speed matters in Houston when contracts are competitive.
DSCR rentals in Houston
Long-term or short-term rentals that qualify on the property's rent, not personal tax returns. Common across Third Ward, Spring Branch and Pasadena.
Business-purpose CRE in Houston
Acquisition, refinance, and value-add on investment property — not owner-occupied homes.
Where we lend in Houston–Pasadena–The Woodlands
Counties
- Harris
- Fort Bend
- Montgomery
Cities and neighborhoods
- Third Ward
- Spring Branch
- Pasadena
- Katy
- Sugar Land
- Alief
- Northside
Local market
Houston questions
Soft credit pull only — no hit to your score to get terms Business-purpose lending in 48 states. Typical close 9-15 days.
Yes. CR Equity AI funds DSCR, bridge and fix-and-flip loans for investment properties across Harris, Fort Bend and Montgomery counties, including Third Ward, Spring Branch, Pasadena and Katy. Loans are for business-purpose real estate: single-family, 2–4 unit, multifamily, mixed-use and commercial.
Fix-and-flip loans can fund in 24–48 hours once the file is complete, and purchase loans typically close in 9–15 days. Timing depends on title, appraisal or valuation, and how quickly documents come in.
Yes. A DSCR loan qualifies on the property's rental income compared with its monthly debt payment, so personal tax returns and W-2s are not used to qualify. Credit, reserves and the property itself are still reviewed.
Single-family rentals and flips, 2–4 unit properties, apartment buildings with five or more units, mixed-use buildings and small-balance commercial properties. Owner-occupied homes are not eligible because these are business-purpose loans.
Yes. CR Equity AI uses a soft credit pull only to price a deal, so checking terms does not hit your score. A hard pull happens later, only after you accept terms and move toward closing.
Yes. Many investors finish a renovation with a fix-and-flip loan, lease the property, then refinance into a DSCR loan to hold it. Planning both loans at the start makes the refinance faster.