Houston Hard Money Loans Starting at 9.99% | Tidal Loans

Why Choose Us

At Tidal Loans, we understand to become a successful real estate investor, flexibility is important. That is why we provide a wide range of quick and easy residential hard money loan options. We have a proven success rate for closing quickly, and we’re here to help make your next real estate project a success.


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)

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 and 5 year interest only followed by fully amortized 27 and 25 year options as well! RATES START AT 5.9% NO TAX RETURNS, NO INCOME VERIFICATION, NO SEASONING (you can pull out 80% of the appraised value even if you owned the property less than two weeks!)

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.


This loan provides developers, builders and general contractors the needed funds to build an investment property under market value.

hard money investor refinance property

So, you found the perfect real estate investment property you want to hold as rental investment. You got a sweet deal on the property, executed the contract, called us at Tidal Loans for a hard money rehab loan.

Managing an Airbnb property has become increasingly prevalent as travelers frequently seek more relaxed and inexpensive accommodations while on vacation. Airbnb, Vrbo, etc has become exceedingly popular and continues to present profitable prospects for short term real estate investors looking to diversify their portfolio.


Fix and Flip LoansNew Construction LoansRENTAL PROPERTY LOANSMulti Family (Short Term Loans)Commercial (Short Term Loans)Multi Family (Long Term Loans)Commercial (Long Term Loans)
Term3-24 MonthsUp to 18 Months30 YEAR FIXED RATE | 30 YEAR TERMUp to 36 MonthsUp to 36 Months30 Year Amortization | 30 Year Term 30 Year Amortization | 30 Year Term | 3 Year Term Option
MarketsNationwideNationwideNATIONWIDE EXCEPT MINNESOTA, SOUTH AND NORTH DAKOTANationwide (no rural areas)Nationwide (no rural areas)Nationwide (no rural areas)Nationwide (no rural areas)
Inspection/Draw Fee$155$175N/A$175$175$175$175
Processing Fee$1195$1195$1500$1195$1195$2295$2295
Interest Rate*8.99%-12%9.9%-12%STARTS AT 5.3%Starts at 8.99%Starts at 8.99%Starts at 7.99%Starts at 8.5%
Points*2-3 Points2-4 1-2 POINTS2-32-32-32-3
Max LTV (loan to value)70% of the After Repair Value (ARV)70%80%75% as is value| 65% Cash Out Refi| 70% ARV 65% as is value| 55% Cash Out Refi| Loan to Purchase Price 65% |LTC-for refi-75%- 60% of ARV,(if needed rehab funds)75%75%
Max LTC (loan to cost)100% 80%85%85%85% 75%75%

Closing costs are a function of the title company and are not included here, we do not collect those fees. Additionally there will be hazard insurance, which is based on the provider you select. Fees we do not collect that are part of the loan include an appraisal fee of $475-$525 paid directly to the appraiser, a survey (only if required) of around $375.

Learn What Rate You Qualify For