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)

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.


LoanFix and Flip LoanNew ConstructionTemp to Perm Loan (Fix and Hold Loans)
Term (Length of Loan) can receive extension3- 12 month 6-12 months3-12 months
MarketsHouston, Austin, San AntonioHouston, Austin, San AntonioHouston, Austin, San Antonio
Inspection/Draw Fee$155$175$155
Processing Fee$550$550$550
Interest Rate*8.99%-12%
Max LTV (loan to value)70% of arv70%70%
Max LTC (loan to cost)100%100%100%

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 $450 paid directly to the appraiser, a survey (only if required) of around $375, and flood certificate of around $20. Competitor costs for appraisals and surveys are about the same.

*Interest rate and points subject to loan amount and real estate experience of the guarantor.

Learn What Rate You Qualify For