Dallas Private Money Lenders

Dallas, TX

Dallas Private Money Lender

Headquartered in Dallas, lending across DFW. Fix and flip, DSCR rental, bridge — Ternus knows the Dallas market because we live in it.

Dallas Texas. The Big D. Once known for the hit TV show that shared its name, Dallas has grown into a major business powerhouse. Today, the Dallas–Fort Worth (DFW) area is home to 24 Fortune 500 company headquarters. It also boasts a strong sports lineup, including the Dallas Cowboys, Stars, Mavericks, and the Texas Rangers.

Are you trying to find a reliable private money lender to fund your next fix-and-flip project? Look no further than Ternus Lending. We pride ourselves on being the premier private money lender in Texas, and we have a special affinity for Dallas, our hometown. Whether you have your eye on a home that will need a full renovation or you are looking for an investor portfolio loan, we are here to help.

Who We Are

Ternus Lending was founded by real estate investors with the intention of helping other investors. We specialize in providing fast, flexible loans designed specifically for your needs. Whether you’re flipping a Dallas property or looking to build a rental portfolio, we’re here to help you succeed.

We’re more than just private money lenders—we provide funding for investors, by investors. No matter where you are in DFW, we’re dedicated to offering the best private money-lending solutions possible.

What We Do

Ternus Lending is committed to providing the support and funding you need to make your real estate investments a success. We offer a range of rapid private money-lending solutions tailored for Dallas investors with a personal touch. Our services include:

Loan Programs

Fix and Flip Loans

Our fix-and-flip loans help Dallas real estate investors who are looking for quick funding to buy, renovate, and sell properties.

Key Aspects of Our Fix-and-Flip Loans:
  • Up to 100% financing for 1–4-family properties, capped at 70% of the after-repair value (ARV)
  • Fast funding between $50,000 and $500,000, with potential for 24-hour closings in established areas, if the title is clear
  • No appraisals or credit checks, and we handle underwriting in-house to keep things moving smoothly

Transactional Funding

If you’re a real estate wholesaler in Dallas, our transactional funding offers short-term financing to handle double-closing transactions.

Key Aspects of Our Transactional Funding:
  • Loan amounts from $50,000 to $500,000, with quick processing and potential same-day closings
  • Low fees with just a 1% origination fee and no additional fees for document preparation or processing

Wholetail Loans

Our wholetail loans are an ideal choice for swift investment strategies, with competitive interest rates and the ability to close transactions in as little as 24 hours with a clear title.

Key Aspects of Our Wholetail Loans:
  • Rates at just 12%, interest-only payments available monthly, and no rehab escrow
  • $50,000 to $500,000 loans for 1–4-family properties covering up to 100% of loan-to-cost
  • Rapid closing in as little as 24 hours with minimal fees and no hidden processing charges

Long-Term Rental Loans

When you want funding for your long-term rentals, Ternus offers DSCR loans with terms extending up to 30 years. We offer competitive interest rates designed to help you maximize returns over time and cultivate an enduring Dallas-area rental portfolio.

Key Aspects of Our Long-Term Rental Loans:
  • Financing up to 80% of the as-is value for non-owner occupied 1–4-family properties
  • Flexible terms with options for up to 30-year fixed-rate loans
  • Competitive rates starting as low as 6.59%

Investor Rental Portfolio Loans

Looking to build a rental property portfolio? Our rental property loans are tailored for long-term success.

Key Aspects of Our Investor Portfolio Loans:
  • Financing for a variety of properties, including single-family homes, condos, townhomes, and multi-family buildings (5–9 units)
  • Flexible terms of 3, 5, 7, or 10 years, with options for interest-only payments
  • Loan amounts from $55k per property up to a total portfolio limit of $20M, supporting both small and large investments

Why Choose Ternus

Ternus makes investment lending fast and easy.

When you choose Ternus Lending, you’re partnering with professional loan officers who are also real estate investors. We’ve been where you are and understand the challenges you are facing. We care about your success and are dedicated to making your lending experience fast and transparent. At Ternus, you will receive personalized service designed to get you the support you need. Unlike other Dallas hard money lenders, we understand the local market and are dedicated to helping you achieve your investment goals.

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Our Benefits
  • Faster closing process than with a traditional loan
  • Easier underwriting process without the need for perfect credit
  • Financing for properties in less-than-ideal condition

Ready to Get Started?

When you want to make your Dallas real estate investment dreams come true, Ternus Lending is here to help. Whether you need fix-and-flip loans, rental property loans, or any other type of financing, we’ve got the solutions for you. When you’re ready, reach out to Ternus Lending, Dallas’s hard money lender, to learn more about our loan options or start your application process.

Find out how easy it can be to get the funding you need for your financial success with Ternus Lending—your trusted private money lenders in Dallas. Apply today or contact us for more information.

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