El Paso, TX

El Paso Private Money Lender

Ternus funds investor loans across El Paso and the surrounding region.

Ternus: Your Private Money Lenders in El Paso

Living in El Paso means waking up to stunning mountain views and being surrounded by a rich blend of cultures that make the city feel both vibrant and welcoming. From the food and music to the traditions passed down through generations, El Paso’s cultural roots run deep and shape everyday life in beautiful ways. Add in the friendly, tight-knit community, and it’s easy to see why so many people proudly call El Paso home.

If you’re looking to finance your next real estate investment in El Paso, Ternus Lending is here to provide fast, flexible private money lending solutions you can rely on. Whether you want to fund your next fix-and-flip, purchase a rental property, or get a short-term loan with competitive terms, Ternus Lending has the expertise and resources to make your investment dreams a reality.

Who We Are

At Ternus Lending, we are proud to be trusted private money lenders in El Paso, founded by investors for investors. As one of El Paso’s leading private lenders, Ternus Lending understands the unique demands of the local real estate market. We offer financial options tailored to help El Paso investors reach their goals.

What We Do

Our mission is to provide reliable, flexible financing tailored to real estate investors’ needs. We specialize in loan options that support a range of investment strategies. Backed by our local market knowledge of El Paso, and commitment to client success, Ternus Lending is here to help you make your investment dreams a reality. Our services include a variety of financing options.

Loan Programs

Fix and Flip Loans

With competitive rates and fast approvals, our fix-and-flip loans can help El Paso investors who want the finances to buy, repair, and sell fast.

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

With our transactional funding, wholesale investors can take advantage of quick buy-sell opportunities without the complications that come with traditional funding options.

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

For El Paso real estate investors looking for short-term financing options in order to buy and sell properties without making repairs, we offer wholetail loans. Our wholetail loans come with competitive interest rates and the ability to close in as little as 24 hours provided 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 to invest in your future, consider our long-term rental loans, with terms of up to 30 years. Get DSCR loans in El Paso with competitive interest rates and you can optimize your real estate portfolio returns.

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

Our rental portfolio loans help investors get fast funding with flexible terms and competitive interest rates. With a DSCR loan, you can qualify for financing based on your rental property’s projected income.

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 Lending

With Ternus Lending, you’re partnering with one of the top professional loan officers in El Paso, here to support you every step of the way. We’re dedicated to keeping things straightforward, flexible, and focused on helping you get the financing you need.

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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?

Ternus Lending can be your go-to source for hard money loans in El Paso. Our team is here to make your loan experience smooth and hassle-free, providing what you need every step of the way. With fast approvals and clear terms, we make it easy for you to get the financing you need to jumpstart your real estate investment journey.

Get the funding to support your financial future with Ternus Lending.

Apply now