Hard Money Lenders in Houston, Texas | Private Hard Money Loans for Investment



As local real estate investors we understand that sometimes the best deals are the ones that can’t wait. In most cases we can close your deal in a week and have cash ready to go for your project.


We’ve eliminated hoops and hidden fees so you can worry about what matters most: Making money from your investment real estate.


We approve our loans based on property value and not just your personal creditworthiness. That means we remove the stress that comes with traditional financing, and close faster.


Shary and Lloyd
Projected 30% Profit
“Before the process, before we even made a deal, they helped us analyze the deal to make sure that this was going to be a good suite.”

Why Choose Tidal Loans?

We get you answers to the questions important to you:
How much is it going to cost me?
How quickly can we close?

What is a Hard Money Loan?

A hard money loan is a short-term, asset-based loan, that provides the funds for acquisition and repairs on investment properties.
Learn More


Finding reliable private lenders in Texas for your real estate investment properties can be difficult, at Tidal Loans, we make that process easy. Choose anyone of our hard money lending products and be on your way to closing your next deal fast! We provide private lending for:
Fix and Flip Loans | New Construction Loans | Temp to Perm Loans | Hard Money Cash Out Refinance | Transactional Funding | Rental Loans

Fix & Flip Loan

We provide hard money rehab loans for real estate investors to fix and flip investment properties for a profit. We can provide up to 100% financing of the purchase and rehab costs depending on the after repair value (ARV)

New Construction Loans

Private Construction Loans for Texas real estate investors. Designed for builders needing reliable construction loans!

Temp to Perm Loan

Are you looking to buy a “fixer-upper” rental property? At Tidal, our loans can help you acquire and renovate your investment property with ease, while helping you secure your permanent financing.

Houston hard money lender, investor rehab loan etc

Hard Money Cash Out Refinance

When “liquidity” is an issue or you want to pull money out of your investment property, we can use this hard money product to “refinance” part of the equity in your current investment property(s).

Transactional Funding

Transactional Funding

Hard money loan funding specifically designed for wholesalers. Allows real estate investors to complete double closes when buying and selling a property the same day.

Rental Loans

Texas Premiere Rental Property Lenders | Our Rental Loans Program is designed for investors seeking funding for rental properties. We provide a simple financing solution for purchase or refinance, with the flexibility to remain in the loan for up to 30 years and cash out up to 80% of LTV. We have 3 to 5 year interest only options as well!

MultiFamily Bridge Loans

Tidal Loans specializes in speed, simplicity, and above everything else, transparency. We understand the needs of investors throughout the investment lifecycle, from acquisition to renovation to stabilization.

*Blue states are where we lend

*Grey states we do not lend


Our primary lending areas for private real estate financing loans are Houston, Austin, Dallas, and San Antonio. In these markets, we offer all our private money loan programs. However, we also serve as private money lenders Nationwide. We offer fix and flip loans, long term investment property loans (rental loans), and new construction loans nationwide! We just offer transactional funding in select markets.

It is no surprise that the Houston real estate market is experiencing an increase in sales volume, but this has made purchasing real estate in our area much more of an intimidating and complicated process. You need a lender that has both the experience and knowledge of the market, and that is what Tidal Loans provides Houston investors – over 50 years of experience!

Hard Money Client Reviews

If you need a deal done quick and painless, Tidal Loans is the way to go. Professional and easy to work with!

Shary Luthe5 Stars

Great service! Very professional and knowledgeable! Walked me through the process from beginning to end! Will def work with this group again!

Patrick Dendy5 Stars

We greatly appreciate the professionalism and hard work of allowing Equivest Professionals, to get the ground running in Houston!! Tidal Loans gave us the platform.. We really can’t say enough but a Gracious Thank you!!!!

Monique Davis5 Stars

his is a great group to work with. Their program is very unique and they are able to make deals work that most other lenders will struggle to make happen. Will definitely be a returning customer.

Kyle Mack5 Stars

This is my, “Go to Team” for every transaction! The efficiency and knowledge of the staff are unmatched in this industry. Looking forward to working with this team for a long time to come. Thanks Again

S.J.A Finance5 Stars

Tidal loans are very professional and great to work with, I had a refinance done on my new construction investments without any obligations and it was strictly loan to value of my property. Chad was Great on costumer service, great communication and everything was done on a great timely manor. Looking forward to my next deal.


Really needed this deal to close or my team was sunk as other lenders had let us down. Chad was great to work with and always upbeat, took my calls promptly. Can’t say enough about the team at Tidal!!

Dion Holter5 Stars

Chad has been a pleasure to work with throughout this process. Very professional and knowledgeable when it comes to all programs. Communication has been top notch. I am working on closing another deal with them right now. I highly recommend Tidal Loans.

Wandering Rohr’s5 Stars

The Customer Service Representative and Loan Officer was very professional and helpful. The Loan Officer guiding me every step of the way to structure the loan. Thank you for the advice!

Rick Johnson5 Stars

Working with Chad throughout the process was great!! Would definitely work with him and his group again.

Anginette Berrios5 Stars

Great team! We closed 2 deals with tidal loans in a week.. Will recommend to everyone for your lending needs… Will forever be grateful…. Emmanuel.

Gold Coast Ventures5 Stars

I had a great experience working with Tidal Loans. The staff was very professional and easy to work with. Selling a home is difficult. Tidal Loans, made the process manageable. I highly recommend their services.

Raphael Tillman5 Stars

Great lenders! Very helpful

wil S.5 Stars

Great Customer service, Very Prompt , Quick approval with Flexible options

Kam Kahlon5 Stars

Great Customer service, Very Prompt , Quick approval with Flexible options

Kam Kahlon5 Stars