Got questions? We’ve got answers.


Traditional banks usually have many more procedures and lending criteria that make it nearly impossible to borrow money for the purpose of purchasing, rehabbing, and reselling distressed residential properties. Hard money loans are usually short term, and have higher interest rates, BUT can close quickly, finance repairs and closing costs when purchasing within 85% loan to value.

The most compelling reason to use a hard money loan is its speed. Our process is very simple and we don’t require tax returns, personal financial statements or most of the hoops that banks will make you jump through.

If you are getting an excellent deal that needs to close quickly, a hard money loan could be the perfect solution.

Investors who have a number of outstanding loans are also served well by hard money loans. If you’ve reached your lender’s 4-loan or 10-loan limit, we can help you continue to leverage your real estate investments.

  • Simple qualification process
  • Fast Closing
  • Allows for multiple deals

Leverages your money almost 3 to 1 verses conventional or bank financing

Qualifying for a hard money loan is simple, and starts by completing the Tidal Loan application. An analysis will be completed and someone will contact you as soon as the next business day.

A direct lender funds transactions from their own private capital. Meaning there isn’t a 3rd party (broker/middleman) involved with your loan transaction, reducing your out of pockets cost. Direct lenders also approve all loans internally allowing for a quick closing. Tidal Loans is a direct lender.

Once we have all the necessary documents we need, we can normally close the next business day. We need the following items to close:

  • Your executed contract
  • Your repair estimate
  • The appraisal we will order
  • Your insurance binder

Title company docs

We cover the Houston, Austin, and San Antonio markets currently.

We loan on single family and multi-family residential properties that are used for investment purposes We do not lend to owner occupied or homestead properties. Therefore you cannot live in the property that we finance. Investment properties, rentals, and properties to be rehabbed to sell (flip) meet our criteria.

Qualifying for a hard money loan is simple, and starts by completing the Tidal Loan application. An analysis will be completed and someone will contact you as soon as the next business day.

We strive to provide our clients with the best interest rates possible. Generally rates vary between 10-15%, we consider factors such as your loan to value (LTV), the property’s cash flow potential, and borrowers experience, to offer you the best rate we can. To see what rates you qualify for, please submit an online application here.

We can lend up to 100% of the property purchase price, rehab, points, and closing cost if your deal is good enough. We can lend up to 70% of the After Repaired Value (ARV) of the property. For example, if your property has an ARV of $100,000, with $10,000 needed for repairs. We can lend up to $75,000 towards the purchase of the property, with an additional $10,000 held in escrow for the repairs of our property.

Yes. The process begins by obtaining a hard money loan, and once repairs are complete the property will be refinanced into a fixed conventional loan. We will need to get you approved for long term financing. It may have additional requirements and will take an additional 20-45 days to close.

Yes. We utilize SSL (Secure Sockets Layer) for security technology by establishing an encrypted link between our server and your browser. This link ensures that all data passed between the server and browser remains private and secure. SSL is an industry standard and is used by millions of websites to protect their customers.

A broker is a liaison between the lender and the investor/ borrower. They act as the middleman to find funding to the investor/borrower. The broker doesn’t provide funding but instead, has a connection with a sponsoring lender (Tidal Loans) who then originates loan. No license is required, just the ability to refer clients to Tidal Loans.

It’s easy to apply to become a broker. To get started, just email us: or visit the official page for our Broker Program.

Once the loan has closed the Broker is paid. Payment is provided to the broker and seen on the closing documents, which guarantees timely and accurate payment to our referral partners.