# Houston Fix and Flip Loans

> Hard money, fix and flip and DSCR rental loans for Houston and Greater Houston real estate investors. The Houston division of Optimus Capital Corp (https://www.optimuscapitalcorp.com/), a relationship-driven lender for real estate investors founded in 2015. Business-purpose loans on non-owner-occupied investment property only.

Houston Fix and Flip Loans lends to real estate investors in Houston, Pasadena, Pearland, Sugar Land, Katy, The Woodlands, Conroe, Baytown and the rest of Greater Houston. Andrew Shanti (Senior Vice President) runs the Houston division and has worked in lending and real estate since 2005. Phone (954) 598-4564. Email andrew@optimuscapitalcorp.com.

Key terms: Fix and flip loans up to 90% of purchase and 100% of rehab at a 720+ credit score, within 70 to 75% of after-repair value, interest only, 6 to 24 months, no prepayment penalty. DSCR rental loans up to 85% loan-to-value to purchase and 80% on a cash-out refinance, qualified on rental income (long-term market rent unless the address may legally host short-term rentals), with no tax returns or employment check. Ground-up construction loans up to 90% of cost for experienced builders. Minimum credit score 600. Loan amounts from $75,000 to more than $10 million. Rental loans close in about 30 days; fix and flip loans average up to 21 days and can close in about 7 days.

## Loan programs
- [Investment Property Loans in Houston](https://houstonfixandfliploans.com/investment-property-loans-houston/): non-owner-occupied lending and how to choose a lender
- [Fix and Flip Loans](https://houstonfixandfliploans.com/fix-and-flip-loans/): purchase and renovation bridge loans
- [DSCR Rental Loans](https://houstonfixandfliploans.com/dscr-rental-loans/): single-family rentals, duplexes, townhomes and small multifamily
- [Ground-Up Construction Loans](https://houstonfixandfliploans.com/new-construction-loans/): new homes, townhomes, build-to-rent and infill
- [Hard Money Loan Programs](https://houstonfixandfliploans.com/hard-money-loan-programs/): all six programs compared

## Company
- [About Houston Fix and Flip Loans](https://houstonfixandfliploans.com/about-us/)
- [Hard Money and Fix and Flip Loan FAQ](https://houstonfixandfliploans.com/faq/)
- [Hard money loan questions, answered by a Houston lender](https://houstonfixandfliploans.com/hard-money-loan-questions/): answers to the most-asked questions
- [Contact](https://houstonfixandfliploans.com/contact/)

## Markets
- [Areas We Serve](https://houstonfixandfliploans.com/areas-we-serve/)
- [Hard Money Loans in Houston, TX](https://houstonfixandfliploans.com/houston-tx/)
- [Hard Money Loans in Pasadena, TX](https://houstonfixandfliploans.com/pasadena-tx/)
- [Hard Money Loans in Pearland, TX](https://houstonfixandfliploans.com/pearland-tx/)
- [Hard Money Loans in Sugar Land, TX](https://houstonfixandfliploans.com/sugar-land-tx/)
- [Hard Money Loans in Katy, TX](https://houstonfixandfliploans.com/katy-tx/)
- [Hard Money Loans in The Woodlands, TX](https://houstonfixandfliploans.com/the-woodlands-tx/)
- [Hard Money Loans in Conroe, TX](https://houstonfixandfliploans.com/conroe-tx/)
- [Hard Money Loans in Baytown, TX](https://houstonfixandfliploans.com/baytown-tx/)

## Guides
- [Cost Segregation for Houston Rental Property: Bigger Deductions in Year One](https://houstonfixandfliploans.com/cost-segregation-houston-rental-property/): How a cost segregation study front-loads depreciation on a Houston-area rental, what 100% bonus depreciation changes, and why Texas makes the benefit simpler.
- [Fix and Flip Loans in Houston: How to Finance a House Renovation](https://houstonfixandfliploans.com/fix-and-flip-loans-houston-guide/): How a fix and flip loan is sized on a Houston house, what flood history, floodplain rules, foundations, insurance and property taxes do to the budget, and how to plan the exit.
- [Texas Property Tax for Houston Investors: MUDs, Caps and Protests](https://houstonfixandfliploans.com/texas-property-tax-investors/): How Texas taxes investment property in Greater Houston, why a rental gets no homestead exemption, how MUD taxes and the 20% limit work, and how to protest your value.
- [Short-Term Rental Rules in Houston: Registration, Taxes and Deed Restrictions](https://houstonfixandfliploans.com/houston-short-term-rental-rules-investors/): How Houston’s short-term rental registration works, what hotel occupancy tax applies, how deed restrictions and HOAs limit short stays, and how we underwrite a Houston rental.
- [Houston Flood Rules for Real Estate Investors: Floodplains, Elevation and Disclosure](https://houstonfixandfliploans.com/houston-flood-rules-investors/): How floodplain maps, the city’s elevation rule, the 50% substantial improvement rule and Texas flood disclosure laws affect a Houston flip, rental or new build.
- [DSCR Loans for Houston Rental Property: How They Work](https://houstonfixandfliploans.com/dscr-loans-houston-rental-property/): How a DSCR loan qualifies a Houston rental on its rent, why property tax, MUD tax and flood insurance decide the ratio, and how to make the numbers work.
- [Hard Money Loan Document Checklist](https://houstonfixandfliploans.com/hard-money-loans-document-list/): What to gather for a rental (DSCR) loan, a new construction loan and a fix and flip loan, divided into one-time documents and documents for each deal.

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