Hard Money Lending Solutions in Arlington TX

Welcome to Tidal Loans LLC, your premier source for hard money lending in Arlington, TX. Whether you’re eyeing your next fix-and-flip project or aiming to expand your rental property portfolio, our tailored lending solutions are designed to propel your real estate ventures forward.

Understanding Arlington’s Real Estate Market

Market Overview

  • Current Trends
    • Arlington’s median property value grew by 12.1% from 2020 to 2021, reaching $210,800, signaling a robust market with appreciating asset values.
    • This growth outpaces the national average, indicating Arlington’s real estate market is thriving relative to broader national trends.
  • Demographic Analysis
    • With a slight decline in population (1.25% decrease from 2020 to 2021), the market may see shifts in supply and demand dynamics.
    • The median age in Arlington is 33.1 years, suggesting a young, potentially mobile population that could influence housing trends towards starter homes or rental properties.
    • The largest ethnic groups are White (Non-Hispanic) at 37.6%, Black or African American (Non-Hispanic) at 22.4%, and White (Hispanic) at 14.4%, which reflects a diverse market that may have varied housing needs.

Investment Opportunities

  • Residential Real Estate
    • Single-family homes might appeal to the city’s demographic core, while multifamily homes could attract investors due to a growing trend in rental demands.
    • The preference for newly constructed or existing homes will depend on the market segment targeted; newer homes may attract premium buyers while existing homes may appeal to value-focused purchasers.
  • Commercial Real Estate
    • Demand for commercial properties could be influenced by Arlington’s economic sectors, with Retail Trade, Health Care, and Manufacturing being the largest industries.
    • Arlington’s economic development, reflected in its median household income growth, can have a positive effect on commercial real estate, with the potential for higher rental income and property values.
  • Rental Market Prospects
    • With a homeownership rate of 55%, the rental market is significant in Arlington, potentially offering high yields given the city’s economic growth.
    • Long-term rentals could be more stable, but short-term rentals might capitalize on fluctuations in demand, especially if aligned with Arlington’s tourism and events.

Economic Indicators

  • Household Income Dynamics
    • The median household income increase to $65,481 could mean a rise in purchasing power, affecting housing affordability positively.
    • Economic stratification, indicated by areas with significantly higher median incomes, may guide investment focus areas.
  • Employment Sector Growth
    • A slight decline in employment (1.5%) might impact housing demand, necessitating careful market analysis for future investments.
    • Industry-specific growth could lead to concentrated demand in areas close to employment hubs.
  • Infrastructure Developments
    • Ongoing infrastructure projects could enhance property values and should be monitored for investment timing.
    • Future developments could signal new investment hotspots.

Understanding Local Legislation

  • Property Taxes and Regulations
    • With most households falling into the property tax bracket of $3k+, investors must consider the implications of property taxes on their ROI.
    • Staying abreast of legislative changes is crucial for compliance and investment planning.
  • Zoning Laws
    • Zoning laws in Arlington can significantly impact development opportunities and investment potential.

Neighborhood Profiles

  • Emerging Neighborhoods
    • Identifying up-and-coming areas is key to finding value investments before they peak in demand.
  • Established Communities
    • The stability of established neighborhoods often translates to less risk for long-term investment.

Risk Assessment

  • Market Volatility
    • Understanding past market cycles can help predict future volatility and guide investment timing.
  • Property Value Fluctuations
    • Tools and case studies can assist in forecasting property value changes for better risk management.

Financing and Investment Climate

  • Interest Rates and Lending Climate
    • Current and forecasted interest rates affect financing options and investment viability.
  • Investor Activity
    • Monitoring both local and national investor activity can provide insight into market competition and investment trends.

Future Outlook

  • Long-term Projections
    • Projected market growth and the potential for saturation must be considered for strategic planning.
  • Strategic Investment Insights
    • Identifying niche opportunities and the right timing can maximize investment returns.

Resources for Investors

  • Local Resources
    • Networking within real estate and professional associations can provide support and opportunities.
  • Data and Analytics Tools
    • Utilizing market analysis tools and databases can give investors a competitive edge.

Why Choose Tidal Loans LLC

At Tidal Loans LLC, we’re more than just lenders; we’re your partners in your real estate investing journey. Our deep understanding of Arlington’s real estate market allows us to offer loans that align with your investment goals. With us, you benefit from:

  • Quick Approval/Denial and Funding:
      • Prompt decision-making is crucial for real estate investors, and Tidal Loans LLC understands the urgency. We streamline the origination process, providing swift approval or denial, and ensure rapid funding. This agility is essential in the fast-paced real estate market where good deals are time-sensitive.
  • Real Estate Experience:
      • Having a team, including our account executives, with firsthand experience in real estate investment is helpful. This unique perspective allows us to offer valuable insights to our clients, including market trends, deal structuring expertise, and assistance with due diligence. We speak the language of real estate investors because we are investors ourselves.
  • Personalized Approach:
      • We recognize that capital can sometimes become commoditized, so we distinguish ourselves by prioritizing personalized relationships with our clients. Our account executives go the extra mile by meeting local clients at project sites and conducting virtual meetings. Building strong connections enables us to better understand and cater to the individual needs of our clients.
  • Exit Strategy Guidance:
    • We go beyond traditional lending by underwriting loans with the end in mind. For example, if the exit strategy involves refinancing into a longer-term loan, we proactively structure the deal during the initial underwriting. This forward-thinking approach ensures that our clients have a clear and feasible path to their desired exit strategy.

Our Hard Money Loan Products

At Tidal Loans, we extend our comprehensive suite of private money investment property loans to the vibrant Arlington, TX market. Our expert team understands the unique opportunities this area presents and offers tailored financial solutions to support your real estate ambitions.

Fix and Flip Loans

Maximize your profits in Arlington’s dynamic property market with our Fix and Flip Loans. We offer up to 100% funding of both purchase price and repair costs, with competitive loan-to-value ratios. Our swift financing ensures you can close deals quickly, turning distressed properties into lucrative investments.

We are one of the few lenders that can fund up to 100% of the Purchase Price and 100% of the Repairs for experienced borrowers because we are lending our own capital! We allow 100% CLTV( 100% fix and flip loans case by case as well), so sellers can carry back a second note, allowing 100% of the purchase price and rehab amount to be financed. These loans are designed specifically for investors who are interested in purchasing an investment property fixer upper  to rehab or renovate to then sell for profit. Allowing our clients to bring nothing but closing costs to the table! 

New Construction Loans

Builders and developers in Arlington can benefit from our New Construction Loans, providing up to 70% of the post-construction value and covering 100% of the hard construction costs. Our support extends to land acquisition, helping to lay the foundation for your new projects.

Rental Property Loans

Secure your long-term investments with our Rental Property Loans, perfect for buy-and-hold strategies in Arlington’s growing rental market. With loan terms designed for cash flow and growth, you can leverage up to 80% of property value without the hassle of income verification. 

DSCR Loan Meaning: For our clients looking to hold their properties rather than flipping it. We offer a DSCR long term 30 or 40 year loan. What is a DSCR Loan? Our Debt Service Coverage Ratio (DSCR) loan is a type of financing commonly used in real estate investments. It measures the ability of a property’s income to cover its debt obligations. Rather than your personal income, as most banks would look at your personal DTI, we look at the properties DSCR. 

DSCR Loan Requirements- We can provide a DSCR loan for Single Family Properties, 2-4 units, Multifamily properties, and Commercial Properties as well. We just need the following. 

1.) Minimum credit score of 600 

2.) Rent Ready Property 

3.) Minimum Debt Service Coverage Ratio of at least .75 ( the higher the DSCR ratio the better the terms,) 

Calculating DSCR. 

The DSCR ratio is calculated by dividing the property’s net operating income (NOI) for multi-family properties, or the rent income for 1-4 unit properties, by its total debt service, including principal, interest payments, taxes and insurance. A higher DSCR ratio indicates the deal has a better ability to cover debt payments and typically comes with better rates. Our DSCR loans are often sought by investors looking to purchase or refinance income-generating properties, such as commercial buildings or multi-unit residential complexes or 1-4 units. At Tidal Loans, we offer competitive DSCR loans that cater to the unique needs of real estate investors, providing them with the financial support necessary to grow their portfolios and achieve their investment goals.. 

Our landlord loans are great for buy and hold investors. Our program allows our clients to grow their portfolio faster. Investors can pull out up to 75% of the appraised value, even if you owned the property for just a week. We do not verify income either, because we care about the property cash flow, not our clients. Our rates start at very competitive and are 30 year fixed terms, 30 year amortization, allowing our rental property investors to cash flow more each month! We even have a 40 year amortization option as well!

Contact us today to explore our DSCR loan options and benefit from our expertise in the real estate lending industry


Transactional Funding

For wholesalers aiming for a double closing, we facilitate smooth transactions with 100% funding, enabling you to operate with confidence and efficiency.

Multifamily and Mixed-Use Loans

Arlington’s multifamily and mixed-use properties are ripe for investment, and our loan programs reflect that. Our program consists of minimal down payment for multifamily apartment real estate investors looking for apartment rehab loans. We do not have a DSCR requirement for our multifamily rehab loans. Up to 85% LTC, 90% CLTV and 100% of rehab funds. This exclusive loan program for apartment buildings provides you with the flexibility and leverage to profit on Multifamily & Mixed-use investment opportunities that may need rehab or low occupancy. First time investors allowed as well!  We also have a 30-year multi family loan program for investors looking to cashflow their property long term.

Commercial Property Loans

Take advantage of Arlington’s commercial real estate prospects with our private commercial hard money loans. Offering significant LTV ratios and 30-year terms, we’re the go-to alternative for those seeking quick and straightforward financing solutions.

Airbnb Financing

Embrace Arlington’s tourism and short-term rental markets with our Airbnb Financing options. With competitive fixed rates for up to 30 years, we make it easier to become an Airbnb host and expand your property portfolio.

We know the struggle with financing for Airbnb properties that is why we came up with this loan option for our Airbnb hosts! Buying a house for short term rental to place on Airbnb or VRBO  is easy with Tidal Loans.


Non-Recourse Financing

Experience the security of non-recourse financing, where the loan does not require a personal guarantee, giving you peace of mind and financial autonomy.

Join the ranks of successful investors who have chosen Tidal Loans for their real estate ventures in Arlington, TX. Discover the difference of partnering with a lender that prioritizes speed, simplicity, and transparency. Reach out to us today and let us help you achieve your real estate investment goals.

The Tidal Loans LLC Difference

We stand out from traditional financial institutions with our swift approval process and quick funding, ensuring you never miss out on a promising deal. Our team is committed to providing personalized services, catering to the unique demographic and economic composition of Arlington.

Application Process

  1. Submit a Loan Quote:
  • Begin the process by filling out our online loan quote form here. Provide essential details about your real estate investment project, including property information, loan amount request, and purpose.
  1. Assigned Account Executive:
  • Once your loan quote is received, you will be assigned a dedicated Account Executive. They will reach out to discuss your specific needs and provide personalized terms tailored to your project.
  1. Receive and Sign Term Sheet:
  • After agreeing on the terms, you will receive a detailed term sheet outlining the loan conditions. Review and sign the term sheet to move forward with the loan application process.
  1. File Processing and Document Submission:
  • Upon signing the term sheet, your file will enter the processing stage. You will receive login details to our secure portal, allowing you to submit all necessary documents related to your real estate investment.
  1. Underwriter Review:
  • Our experienced underwriting team will thoroughly review the submitted documents. This step ensures compliance with our lending criteria and helps us assess the viability of your project.
  1. Underwriting Approval:
  • Once the underwriting process is complete and your file is approved, you will be notified of the approval status. If any additional information is required, your Account Executive will guide you through the necessary steps.
  1. Clear to Close:
  • Upon successful approval, your file will be marked as “Clear to Close.” This signifies that all requirements have been met, and your loan is ready for the closing stage.
  1. Closing:
  • Your file will be forwarded to our closing team, who will coordinate the final steps of the process. This includes preparing the necessary documentation, ensuring all legal requirements are met, and drafting the HUD for your review before closing.

If you have any questions or concerns throughout the process, your dedicated Account Executive and Loan Processor will be there to assist you.


Testimonials and Success Stories

Hear from our clients in Arlington who have seen their real estate ambitions come to life with our help. Their success stories are a testament to our commitment to service and support.

Contact and Consultation

Ready to leap into Arlington’s real estate market? Contact Tidal Loans LLC at 832-757-1262. We offer free consultations to discuss your investment plans and how our hard money loans can help achieve them.

Invest in your success with Tidal Loans LLC – your trusted hard money lender in Arlington, TX. Apply now or get in touch for more information!


Click HERE for a free Loan Quote