Grow Your Investment Potential with Private Money Lenders in San Antonio

Ternus: Funding for Your San Antonio Investment Ventures

San Antonio blends rich history with the comfort of suburban living. From the iconic Alamo and the excitement of Spurs basketball to the scenic River Walk, the city offers a vibrant mix of culture, shopping, dining, and entertainment. It’s easy to get around, thanks to major highways and public transportation, making it a fun and convenient place for both locals and visitors. When you need to finance your next big real estate venture, Ternus Lending provides hard money loans tailored to meet all your investment needs. Whether you need a DSCR loan for your rental property or a fix-and-flip loan to capitalize on a quick opportunity, we’re here for you.

san antonio private money lenders

Who We Are

At Ternus Lending, we’re private money lenders in San Antonio. Ternus is not like other lenders because we’re investors just like you.

We’re professional loan officers who provide investors with hard money loans. Our mission is to provide the financial support you need to achieve your financial goals. With different loan options that fit a variety of situations, our services are for every type of real estate investor in San Antonio. These services include many financing options.

What We Do

As one of the leading private lenders in San Antonio, we specialize in providing loans for investors in many different situations.

Our lending team is dedicated to helping you achieve your investment goals by providing fast and dependable funding. Whether you’re an experienced investor or just starting out, Ternus is here to help you succeed.

We offer a range of quick and flexible private money loans tailored specifically for investors. Our services include:

Loan Programs

 

Fix and Flip Loans

With our fix-and-flip loans, San Antonio investors can buy, renovate, and sell properties with a quick turnaround time. We offer competitive rates and quick approvals to help you with your property rehab projects.

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 looking to quickly capitalize on buy-sell opportunities without the usual complications that come with traditional financing, our transactional funding options can help you get short-term financing for back-to-back 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

With low interest rates and a 24-hour closing timeframe given a clear title, our wholetail loans are perfect for San Antonio investors who want to move quickly on their investments and maximize their profits.

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

Our long-term rental loans are designed for investors who want to build their future. With low interest rates and terms that extend up to 30 years, our DSCR loans can help you build a lasting 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

If you’re an aspiring landlord, our rental property loans can help you build your rental property portfolio. With our DSCR loans, you can get debt service coverage ratio loans based on the projected rental income of your San Antonio properties.

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