Fast Hard Money: Why Hard Money Are so Quick

For real estate investors looking to demolish and rebuild an existing structure or start new construction, hard money construction loans offer a quick and effective financing solution. These loans, typically short-term (under 12 months), can be approved and funded in just a few days, unlike traditional bank loans. Why Hard Money Construction Loans Are So Fast Asset-Focused Lending The speed … Read more

What You Need to Know Before Flipping Homes

Flipping houses can be an exhilarating and profitable endeavor, often portrayed as easy on television. However, a lot of work goes into making a real estate investment both visually appealing and financially rewarding. Here are the crucial steps to take before embarking on your home-flipping journey: Gain Market Knowledge Understanding the real estate market, loan structures, and design trends is … Read more

Key Pre-Investment Checks for Fix and Flips

Investing in property can be an exciting yet nerve-wracking experience for real estate investors. The key to success lies in making informed decisions, and thorough research is the foundation of every acquisition. This blog from Loan Ranger Capital will cover essential pre-investment checks, offering a roadmap for those looking to achieve profitable fix-and-flip real estate deals. Market Analysis Before considering … Read more

Why Choose a Balance Sheet Lender Over a National Lender for Hard Money

In the dynamic world of real estate investing, securing the right financing can be the difference between seizing opportunities and missing out on lucrative deals. When it comes to choosing between a balance sheet lender and a national lender, savvy investors understand that local expertise and personalized service often trump the allure of big-name institutions. Let’s explore why opting for … Read more

Texas Real Estate: Conquering Low Housing Inventory with Strategic Financing

In the ever-evolving landscape of Texas real estate, the challenge of low housing inventory has emerged as a significant concern. As the state experiences a surge in demand for properties, particularly in the context of hard money lending, it’s crucial to understand the dynamics at play. Real estate financing in Texas requires a strategic approach that factors in the unique … Read more

construction header

How Soaring Lumber Prices Will Increase the Cost of Your Investment Property

Even if you aren’t a real estate investor, you are probably aware that the price of lumber has gone up exponentially since the beginning of the pandemic. And if you know this, you might be able to guess how much this price increase has affected the overall cost of not just new construction builds, but renovations and fix & flips … Read more

The State of the Texas Housing Market in 2021

The State Of the Texas Housing Market In 2021

Texas Realtors Releases 2021-Q3 Edition Of The Texas Quarterly Housing Report. The just-released Texas Quarterly Housing Report shows that while the market is trending towards stabilization and pre-pandemic levels, home prices are still rising and inventories are drying up. Texas Home Sales Decrease, Median Price Rises Since the third quarter of 2020, the median price for homes in all of … Read more


Dallas Real Estate Market: 2021 is the Year to Invest in Dallas

Hot off the presses, the latest reports name Dallas, Texas, as the best commercial property investment market in the country. Dallas hosted the most active commercial real estate market for the first half of 2021 (H1’21), recording almost $13.4 billion in commercial real estate transactions—a 43% YoY increase. The Dallas Commercial Real Estate Market The sale of the ​​Crescent Complex … Read more

house prices

Real Estate Prices and COVID-19

Right now many are wondering how to invest their money, especially given the effect that the pandemic has had on the stock market. While you may think that this would be similar to the stock market, real estate prices have been affected very differently. This is exactly why people invest in real estate, the fundamentals are very different. The Wall … Read more

Post covid economy

Texas Real Estate – COVID Update

Big Changes What a difference 30 days can make! In the last month we’ve seen many positive developments in both real estate and the local Texas economy. While Loan Ranger Capital continuously monitors the economy, the recent economic data is far more optimistic than most expected. This is especially true of real estate. The global effects of COVID-19 are far … Read more

start real estate investing

How to Become a Real Estate Investor

[Updated 2021] Ready to become a big-time real estate investor? You’re on the right track. Real estate investments have outperformed the S&P 500 for decades. While the S&P has averaged an 8.6% rate of return, residential real estate has averaged (nationwide) a 10.6% return. And some areas have done substantially better than that! Winning in real estate investments is not … Read more

sell loan

What Happens After Your Loan’s Approved is Even More Important

There’s a huge difference between choosing a local hard money lender and choosing a national or regional lender. Too many borrowers are completely wrapped up in finding a lender and getting a loan application submitted. Many of us think that’s the most important and difficult hurdle to overcome. When your entire focus is simply on getting a loan, you can … Read more


Spotting a Liar in Negotiations

We all love a great deal and dealing with honest people, but know this isn’t always the case. You’re searching for a resounding “yes” when negotiating but spotting a liar is key. After all, this can waste a lo of time and money down the road. Body Language in Negotiation The Black Swan Group, which was founded by a former … Read more

Development and Downtown Density

     It’s March in Austin, and that means the annual South by Southwest (SXSW) festival has descended on our city once again. SXSW’s arrival brings joy for some, and pain for others. Downtown becomes the go-to destination for people of all types around the county; covering everything from politics, to business, to tech, and just about anything else that can … Read more

Photo by Pepi Stojanovski on Unsplash

Junk Fees (and duplicate fees) To Watch Out For

Welcome to part two of our series! Today we’re going to dive into junk fees – hard money fees that aren’t necessary to funding your loan but that you’ll often come across. We’ll explain which junk fees are essentially duplicates and which fees go to whom. Last week we talked about a few common hard money fees you can expect … Read more

Common Hard Money Fees

Common Hard Money Fees

Want to know which hard money fees are common, and which aren’t so common? You’ve come to the right place. We’re going to look at the hard money fees you can expect to see when you take out a loan, as well as some that might surprise you. If you use hard money loans or are thinking about using a … Read more

home flipping

Home Flipping Resources

Thinking about getting started in the home flipping business but need a little more info? We get that. When deciding upon a new business endeavor you should always go in with a decent understanding of what you’re getting yourself into. If you’re like us, you probably do most of your research online these days. And why wouldn’t you? There’s so … Read more

What's New Austin Texas

What’s new Austin Texas?

Oh, Austin — it seems like there’s always something new happening in the Capital city, and that’s probably because there is! Not only is Austin home to some kind of festival or event just about every week (ACL and Formula 1 just ended, the Austin Film Festival and Texas Book Festival are right around the corner, and before we know … Read more

what is builder's insurance

What is builder’s insurance?

Wondering what builder’s insurance is and why you need it? Look no further! So, you’ve applied for a hard money loan for your fix-and-flip or new build and been approved. You’re ready to get started on your project, but you know you need insurance coverage. But what kind of insurance do you need and what does it need to cover? … Read more

ask a hard money lender 2

Ask A Hard Money Lender Part 2

Welcome to the final part of our series on “Ask a Hard Money Lender”! If you missed part 1, click here to check it out. In this article, we’ll talk about five more important questions you should ask a hard money lender before you decide whether they’re right for your flipper or new construction business. We’ll also share our own … Read more

Hard Money Pt 1

Ask A Hard Money Lender – Part 1

New to the world of hard money and not really sure what questions you should ask of a prospective lender? Hard money differs in many ways from traditional funding, so it’s important to get as much information as possible before choosing which lender is right for you. It can be time-consuming to do research and hard to know which questions … Read more

metro stats

Metro Stats Explained

If you’ve ever wondered what the phrase metro stats really means, look no further! We’re going to take a quick look at what metro stats mean, as well as the average statistics in each major Texas metro area. We’ll look at the population, average age, average household income, poverty percentage, how many employees each metro has, as well as the average … Read more

Meet the Loan Ranger Capital Team!

Howdy from the Loan Ranger Capital team! It’s been a busy (and hot!) summer here at Loan Ranger Capital. We’ve moved offices, we’ve taken on a new team member, and we’re funding more projects every day! We’re now located on East 6th Street — a little closer to the action. Not to mention we’re closer to a few great coffee shops … Read more

benefits of a quick loan process

Benefits of a Quick Loan Process

Wondering if a quick loan process will beneficial for your real estate venture? You’ve probably heard the refrain “time is money” a dozen times. Never has that saying been more applicable than it is in the real estate business. Here are the top 3 benefits to a quick loan process: Benefit 1: Property Discount In real estate, the quicker you … Read more

wire fraud

Protect Yourself Against Wire Fraud

Technology has given us many great things. But technology, like any other progressive advances, is not without its flaws. There will always be someone who tries to find weak spots and take advantage of others. One of the best technological advances when it comes to money is the ability to seamlessly and immediately send it between parties. Whether it’s paying … Read more

mechanic's lien

Mechanic’s Lien Explained!

Wondering what a mechanic’s lien is and what it means to you as a new home builder or house flipper? Then you’ve come to the right place! We’ll explain what a mechanic’s lien is and how it has the potential to affect your new project. First off, let’s explain what a lien is. Simply put, it’s a claim to a … Read more

Flipper mistakes to avoid

Flipper Mistakes To Avoid

Unless you’ve been living under a rock you’ve heard of the term “flipper”. There’s a lot of excitement around the idea of being a home flipper these days. In fact, you’ve likely heard people talk about buying a fixer-upper house, with the intent of selling it for profit once the rehab is complete. Maybe you’ve even shared in that dream! … Read more

Title Basics

Title Insurance Basics Explained

So, you understand what a hard money loan is, and you’ve got your basic lending terms down. You understand the difference between points and rates and why each of them is important. You’re this far into the loan process, but something new has come up. Title insurance. But what does that even mean? What does it do for you and … Read more

Understanding Points and Rates

Understanding Points and Rates

When it comes to taking out a loan, it’s important to know just want you’re getting, for how long, and how much it’s going to cost you. To understand how much your loan is going to cost you over time, you need to understand points and rates; what they are and how much money they’ll each cost you. Both are … Read more

lending terms explained

Lending Terms Explained

Here’s a quick rundown of the most common lending terms you’ll come across if you’re new to the world of private lending. We’re here to make the lending process go as smoothly as possible. If you’re you’re thinking about working with us, or if you already do work with us, you may run into several of these terms so we … Read more


The Value of a Good Hard Money Lender

How do you value your hard money lender? Hard money lenders range from large corporate firms down to small one-man shops, and everything in between. How then, do you know when you’ve found a truly great hard money partner? The main difference is having someone on your team that is looking for you to succeed.      Let’s be frank, anyone … Read more

Austin’s Density Debate: Up or Out?

     The debate in Austin these days revolves around density: should we go up or out? Naturally, there are debates on both sides, with pros and cons associated with each. Some folks would like to live close to downtown or where they work, while others don’t mind commuting for additional space. We will dive into each side in more … Read more

Housing Demand and Rising Interest Rates

The latest topic of conversation coming out of the talking heads on TV revolves around inflation and possible rising interest rates from the Fed. Should those of us involved in hard money lending be concerned? We argue no, as the supply of homes available remains low and demand to buy high.      Normally, with rates rising, people grow concerned about … Read more

christmas at loan ranger capital

Thanksgiving at Loan Ranger Capital

At Loan Ranger Capital we’ve had a successful 2017. While we’ve been very fortunate, we realize that not everyone shares the same circumstances. Two days before Thanksgiving, we decided to hand out premade Thanksgiving dinners to our immediate community using profits from the management company. When all was said and done, our team handed out 50 Thanksgiving dinners. Which conservatively … Read more

Amazon Packages

Austin’s Case for the Amazon HQ2

A recent Moody’s article has ranked Austin #1 for the second Amazon headquarters the company announced a few months ago. The article discusses Austin’s well-known hub of tech companies. Companies such as Dell are headquartered here already. Also, other companies such as Samsung, Apple, and IBM have the largest presence of their own companies outside of their headquarters. High numbers … Read more

New Home Sales and Flips in Texas

Across the state of Texas, demand for homes is remaining strong. Supply continues to be strained as homes are snapped up shortly after going on market. While this naturally points to a sustained increase in new home prices (which is a trend we’ve seen in the past decade), we are also seeing this start to affect “fix and flip” properties. … Read more

Technology Marches On

We live in an era of ever increasing technological advances. Almost daily there seems to be a new report about the next big device that will come in and shake up how we live our daily lives. While we do see sizable leaps that change how we live (Apple’s iPhone for instance), most of the technology we experience every day … Read more

Cycles in Real Estate

The cycle between boom and bust in the real estate market is something most people have heard about at least once when discussing this topic. It’s no secret that real estate can be a volatile place to work, with the Great Recession’s shadow still looming even after this relatively steady recovery. In the same way that the overall real estate … Read more

Metro Development and City Population Trends

Hard money lending requires firms to have an excellent gauge on the local market. Because real estate market trends generally take place with a certain amount of lag time, lenders have a chance to adjust their practices with proper understanding of the space they live and work in to continue providing safe and effective financing. An often overlooked section of … Read more

Urban Development in Austin

One of the big stories circulating around Austin these days (I feel like they’re constantly changing!) is the urban development plan currently under construction in City Hall. Named CodeNEXT, it seeks to completely rewrite the way Austin is zoned to account for the massive population growth we have already experienced, and are expecting to see in the future. While City … Read more

Central Texas Development

It’s no secret Central Texas is attracting large numbers of new residents, both people and companies. But what does the movement of people and capital here mean for us in Central Texas? In short, good news! The first step in Central Texas’ (specifically Austin) plan to grow its population was to create a business-friendly environment. This was accomplished with tax … Read more

Austin-San Antonio Listing Services

We’ve just learned that talks are underway for the listing services in both Austin and San Antonio to merge into one large system. This would be welcome news for anyone involved in real estate in these areas, as it cuts down on the number of websites needed to conduct research. Listing services are an essential tool real estate agents and … Read more

Title Insurance Risks

A large portion of our days at Loan Ranger Capital are spent with our borrowers, title companies, and the interactions that all parties to a real estate deal experience. Whenever Loan Ranger sets out to fund a possible deal, we always speak with folks at the title company our borrowers choose to work with. One of the first things we … Read more

Top 10 Bandit Sign Mistakes

For many real estate investors finding the right deals to invest in can be the biggest challenge, that’s right even more so than finding the financing. A successful tactic used by many are “bandit signs.” These are those signs you see on the side of the road stating “I buy homes!” or “Sell your house today!” Some have so much … Read more

Are Texas Rehabs Profitable?

When rehabbing a fix and flip project there are many factors to consider before you take the plunge into purchasing the property. After all you’ll have to consider things such as: turnover in the area, expected value added per upgrade, and how many days your project will sit on market (just to name a few). Fortunately for Texas residents, the … Read more

Tips for Your Next Fix and Flip

Experienced investors all know that you must choose your projects very carefully in order to make a substantial profit. If you are relatively new to real estate, it can greatly benefit you to learn from the successes and failures of those who have already done it. Making a profit in residential real estate is multifaceted. It’s part determination, part luck, … Read more

How Successful Flippers Think

Throughout our time lending in Texas, we’ve come across a number of flippers who have a deep comprehension of what it takes to fix and flip Texas properties successfully. While our borrowers have diverse backgrounds: ranging from landlords, to flippers, to ground up construction, we’ve gathered information from them so that newcomers to the trade can benefit from the knowledge. … Read more

Interest Rates

Since our last newsletter we’ve received some very significant news as our Federal Reserve Chair, Janet Yellen, has stated that interest rates will likely rise in the coming months. Of course we’ve heard this before… but this is consistent with her message that rates would increase “sometime in 2015”, albeit this would be at the central bank’s last policy meeting … Read more

Recently Funded Loan

This beautiful new build was funded by Loan Ranger Capital. This property is in the West Lake Hills area of Austin, Texas. The previous lender had cut off the borrower, so Loan Ranger Capital came in to ensure the borrower could finish the project and make money. The specific terms of the loan are as follows: Loan Amount – $650,000 … Read more

tips for flipping houses

3 Things Good Flippers Do

If you follow or are involved in real estate investing, you’re almost certainty familiar with the term “flipper”. Due to reality TV shows, the people who do this as a profession have gotten their share of the spotlight. Flipping usually means that a home was bought and sold within a short period of time (usually less than a year). To … Read more

Valuing Real Estate Deals

So you want to start investing in real estate or even flipping homes and found a property that you’re interested in purchasing. Before you get too excited, you need to establish its value to avoid potentially making a bad investment. Taking the seller’s word or just looking at the county tax records to determine the value could lead to you … Read more

How to Find Profitable Deals

Can you still find good deals on MLS anymore? The answer is of course yes, but you have to know how to find them! A recent article (click here) does a great job at quickly explaining this. Three key components are: speed, making the right offer, and volume. Speed is a huge factor in closing deals and by being the … Read more

Why Use Leverage in Real Estate?

In real estate, leverage is an extremely common tool used among seasoned investors. While it is true that there is a population of investors who use cash, either because they don’t think it will help or they’re afraid of debt, leverage is one of the best tools you can utilize. Everyone knows there are costs associated with debt, but few … Read more

7 Questions All Real Estate Investors Need To Ask When Picking A Hard Money Lender

Finding a good lending partner can be a difficult task but is crucial to successful investing. Here are a few questions you may want to ask a prospective lender: #1: What are your loan terms? There are many factors important to investors when selecting a lender but three of the most important are: interest rate, points, and fees. We’ll spend … Read more

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