Fix & Flip / Rehab
Acquisition and renovation funding for investors buying, rehabbing and reselling residential property.
Learn more →Texas Hard Money Lender
Private capital for Texas real estate. Closed fast.
Asset-based loans from $350K to $5MM for residential and commercial investors. No credit score minimum. Standard closings in 10–14 days, rush closings in 5–8 days.
$1.5MM+Loans funded
5–8 daysRush closings
75%Max loan-to-value
[XX]Deals closed
Loan Programs
Capital for every stage of the deal
From a single-family flip in Fort Worth to a commercial bridge in Houston, we lend on the asset and the plan, not your credit score.
Bridge Loans
Short-term capital to acquire, refinance or reposition residential and commercial property while you line up permanent financing.
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Ground-Up Construction
Financing for builders and developers taking residential and commercial projects from dirt to certificate of occupancy.
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Land & Rental (DSCR)
Land acquisition loans for entitled and development-ready lots, plus financing for income-producing rental property.
Learn more →Why Shadow Street
Lending built around the investor, not the bank.
We are Texas investors ourselves. We know what it costs to lose a deal waiting on a bank committee, so we underwrite the property, the plan and the exit, and we give you a straight answer fast.
Meet the FoundersSpeed that wins deals
Standard closings in 10–14 days. Need it faster? Rush closings in 5–8 days.
Asset-based underwriting
No minimum credit score. We lend on the property's value and your business plan.
Direct decision-makers
Talk to the principals. No brokers, call centers or out-of-state committees.
Transparent pricing
12% interest-only, 2% origination plus doc prep. No surprises at the closing table.
How It Works
From application to funding in four steps
- 1
Apply online
Tell us about the property, the deal and your plan. It takes about 5 minutes.
- 2
Receive a term sheet
We review your scenario and send terms, usually within one business day.
- 3
Underwriting & valuation
We order the valuation and title and review your entity docs, all at the same time.
- 4
Close & fund
Close at a Texas title company in 10–14 days, or 5–8 days on rush.
Investor Feedback
What borrowers say
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