Frequently Asked Questions

See what questions our borrowers most commonly ask. Don’t see your question? Feel free to contact us directly.

Why do people use Hard Money Lenders?

People use Hard Money because many real estate investors need quick responses and funding to secure a deal. Banks and other institutional lenders generally are not very good at this and can take a lot of your time and effort. Investors normally use Loan Ranger Capital in cases when they either do not have the time, credit, or patience to deal with a traditional bank. Real estate investors can also leverage their money to complete multiple projects by closing quickly. This is also typically much cheaper than teaming up with an equity partner as our costs are fixed throughout the life of the project.

What are some of the advantages of using Loan Ranger Capital?

Some of the advantages of borrowing from Loan Ranger Capital are:

  •  A much less complicated application process is required for the lender to make a final loan decision.
  • No credit checks! No personal financial statements, tax returns, etc. We underwrite based on the asset only.
  • Fast approval and funding. Loan Ranger Capital will review your application and provide you with a loan quote within 24 hours!

What types of transactions are handled?

Loan Ranger Capital will lend on non-owner occupied investment real estate properties. Some of these transactions include:

  • Traditional Sales
  • REO’s
  • Short Sales
  • Cash Out Re-Fi’s
  • SFR (single family residence)
  • Construction
  • Commercial
  • Lots/Land
Texas Hard Money

Do you only lend in Texas?

No – We also lend in Tennessee!

Do you work with brokers?

Yes, feel free to contact us to discuss how we can work together.

What is the maximum loan amount?

Loan Ranger Capital typically targets loans between $15,000 and $5,000,000.

How long are the loan terms?

6-24 months.

Are there minimum credit requirements to obtain a loan?

No, Loan Ranger Capital lends money based on the value of the asset. Typically we do not run credit checks. Your credit score will not be used to determine whether you are qualified for a loan with Loan Ranger Capital.

What are your terms?

We typically offer interest rates of 8.9-13.9%, with 2-3 points, and a $995 loan document fee.

What is a point?

A “Point” is an upfront fee on a loan that is incurred at the time of funding. Each point is equal to 1% of the loan amount.

What is the down payment requirement?

This will depend on the ARV (After Repair Value) of the home. We typically lend 70% of the ARV so the stronger the value, the less money you have to come to closing with, if any at all.

What is the maximum LTV?

Loan Ranger Capital bases Loan To Value (LTV) calculations on our in-house valuation of the property. The maximum LTV in most cases is 70-75%.

Will you lend rehab money?


Do you charge prepayment penalties?


How quickly can you close?

Because we are able to underwrite all of our loans in-house, we can fund your loan in as little as 3 days if all parties are prepared.

Do you require insurance?

Yes. We require hazard and title insurance on each property that we lend on.

How do I apply?

You can apply for a loan by clicking here or you can call us directly at (512) 220-9916.

Apply For A Loan Today

Tell us some basic details about your project below and let us work on structuring the best loan for you. We value your time and will reach back out to you shortly!