Houston, TX

Houston Private Money Lender

Ternus funds investor loans across the greater Houston market. Built for investors closing fast in Texas’s largest metro.

Supporting Houston real estate investors and the great state of Texas.

Houston, the fourth-largest city in the U.S., is a major hub for the oil and gas industry and home to 21 Fortune 500 company headquarters. It also boasts big-name attractions like the Rockets, the Astros, the Johnson Space Center, and much more.

Are you trying to get a loan to fund your next big property venture? Ternus Lending is your go-to private money lender for real estate investments across Texas, especially Houston. We specialize in all types of funding options, from fix-and-flip loans to wholetail loans. Wherever you are on your investment journey, we’re here to help you get the financing you need.

Who We Are

At Ternus Lending, we’re more than just another lender—we’re deeply connected to Houston and its thriving real estate market. Founded for investors by investors, we recognize the unique challenges Houston investors face. Whether it’s historic neighborhoods like The Heights or new developments in fast-growing suburbs like Katy, we provide tailored private money-lending solutions wherever you need them.

What We Do

We offer a comprehensive range of private money-lending solutions tailored for Houston real estate investors. Our services include:

Loan Programs

Fix and Flip Loans

Our fix-and-flip loans are for Houston investors who need funding to buy, renovate, and sell properties. These loans are designed to help you move quickly on your next fix-and-flip project.

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

For real estate wholesalers in Houston, our transactional funding offers short-term financing to handle your double-closing transactions. This can be ideal for quickly buying and reselling properties without dipping into your personal funds.

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 Houston 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 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

In a city like Houston, looking to build a rental property portfolio is a no-brainer. Our investor rental property loans are designed with your long-term success in mind.

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 dedicated to helping you achieve success. We offer transparency, speed, and personalized service to make sure you get the support you need. Unlike other Houston 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’re ready to take your future in Houston real estate investments to the next level, Ternus Lending is here to help. Whether you need fix-and-flip loans, long-term rental property loans, or any other type of financing, we’ve got the solutions for you. Reach out today to learn more about our loan options or to start your application process.

Work with Ternus Lending—your trusted Houston private money lenders.

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