Investment property financing
Dallas Fix & Flip Lender
Dallas Fix & Flip Lender from an Austin-based direct lender. Review property-level underwriting, leverage limits and the documents for your investment.
Rates as of October 2026. Subject to change — call for today's pricing.
Underwriting your Dallas property
A Dallas address is the starting point, not the whole file. Send the purchase price, property condition, planned improvements and exit. Your Deal Advisor reviews the specific property rather than assuming every neighborhood has the same rents or resale values.
Size the loan around after-repair value
Up to 90% of purchase plus 100% of rehab costs, with no separate rehab dollar cap. The total loan must stay within the borrower’s LTARV limit and the $5,000,000 loan maximum. The indicative LTARV limit is 75% for five or more deals completed in the last 24 months and 70% otherwise. Experience determines the tier, not credit; final leverage is confirmed by underwriting.
Compare the lender, not just the headline rate
For your Dallas project, include nearby comparable properties, a realistic timeline and a reserve for carrying costs. Ask who reviews value, how draws work and which fees appear in the term sheet. Confirm the written terms before committing to a contract.
Talk through the exit
A sale and a long-term rental refinance require different assumptions. Review both the expected outcome and what happens if your Dallas property takes longer to sell or lease. Curlee’s written Deal Brief gives you a market and underwriting second opinion; it is not a guarantee of resale value or investment profit.
Fix & Flip: published program terms
| Term | 1–24 months |
|---|---|
| Rate | 7.5%–10.95%, interest-only |
| Loan-to-cost | Up to 90% LTC |
| Construction costs | 100% of rehab costs — no dollar cap. Subject to LTARV and the $5M maximum loan. |
| Origination fee | 3% origination fee |
| Appraisal | Not required. Property photos and a construction budget instead. |
| LTARV | Up to 75% of ARV for 5+ deals completed in the last 24 months; 70% otherwise. Credit does not determine the tier. Final leverage is set by underwriting. |
| Maximum loan | $5,000,000 |
| Minimum FICO | 660 |
| Minimum asset value | $100,000 |
| Income verification | None |
| Tax returns | Not required |
| Credit pull | Soft credit pull only. We never pull hard credit or affect your score. |
| Interest reserve at closing | None |
| Prepayment penalty | None |
Rates as of October 2026. Subject to change — call for today's pricing.
Full program details
The big platforms qualify properties. We fund investors.
Pre-approval in minutes. No hard credit pull. A real underwriter on the other end.
Pre-approval is an estimate based on the information provided and is not a commitment to lend.