Fast, Flexible Financing for Property Flippers Across Houston
For experienced real estate investors in Houston, time is your most valuable asset. The Texas real estate market, fueled by massive job growth and corporate migration, moves incredibly fast, and you need a financial partner who can move faster. We provide agile, in-house fix and flip loans designed specifically for the unique demands of the Houston investment landscape, where closing speed is paramount.
From high-end modernizations in the competitive inner-loop markets of The Heights and Montrose to historic restorations and revitalizations in EaDo (East Downtown) and the South Side, our tailored financing and streamlined process empower you to rehab with confidence and speed.
LOAN HIGHLIGHTS
Fix and Flip Loan
Term
6 to 30 Months
Loan Amount
$200K to $5M+
LTC
Up to 95%
Cost Breakdown
Up to 92.5% of Purchase
& 100% of Rehab
Property Types
Non-Owner Occupied
SFR, Condo, Townhome, 2–4 Plex
Multifamily Up to 9 Units
ADU Conversions Okay
Power Your Next Project with Speed and Certainty
Fix-and-flip projects demand speed, flexibility, and reliable capital. Our Fix & Flip Loan is built for experienced real estate investors ready to turn distressed properties or outdated homes into profitable residential assets. With competitive terms, strong leverage, and financing tailored to a wide range of property types, we deliver the certainty and resources you need to bring your vision to life.
From gut renovations and light remodels to historic home modernizations and portfolio flips, our Fix & Flip Loan provides the capital structure and confidence to take your project from acquisition to resale, on time and on budget.
WHY ARCHWEST
The Archwest Difference: A Lender Built for Fix & Flip Investors
At Archwest Capital, we understand that your project’s success hinges on rapid, reliable financing. We are not a traditional bank; our lending approach is built on a deep understanding of investment real estate and the need for a lender who understands your business. Our loan programs are crafted for efficiency and flexibility, ensuring you have the capital you need precisely when you need it.
Term Sheet Within 24 Hours
Closings in Under 7 Days
Interest on Drawn Amounts Only
100% of Rehab Funding Available
HOUSTON MARKET
Your Houston Investment Partner: Local Market Insights
Beyond providing capital, Archwest Capital is a partner with unparalleled local market knowledge. Our team closely monitors the trends and opportunities unique to the sprawling Greater Houston Area, empowering you to make data-driven investment decisions.
Specializing in Houston's High-Demand Markets
We specialize in financing projects in the neighborhoods where Houston’s real estate investors are finding the greatest success.
The Heights: As an established, affluent inner-loop market, The Heights commands high resale prices for renovated historic homes. This area’s low inventory and high buyer competition demand a lender who prioritizes speed and efficiency to secure the deal.
EaDo (East Downtown): This area is a major revitalization success story, with significant investments near the Dynamo stadium and Metro rail lines. As a rapidly appreciating neighborhood, EaDo is attracting urban professionals and offers exceptional opportunities for investors focused on townhome conversions and high-margin flips.
Katy & Suburban Corridors: From the high volume of value-add single-family homes in Katy to the steady appreciation in suburbs like Sugar Land and The Woodlands, our financing solutions are tailored to the wide range of opportunities across the entire Houston Metropolitan Statistical Area.
Benefits in the Houston Market
| Benefits | Why It Matters Here |
|---|---|
| Up to 90% LTC | Buy more with less out of pocket |
| 100% Rehab Financing | Complete your full scope without using your own cash |
| Fast Approvals | Close quickly in competitive neighborhoods |
| Ideal for Value Add Deals | Perfect for older homes with strong resale upside |
| Local Support | Insights to guide you deal-by-deal |
What Our Partners Say
Archwest is the best lender to the best flippers. We help clients execute with speed and maximize returns.
How It Works
Apply Online
We assess your plans and track record to ensure a strong market fit.
Get Approved Fast
Detailed review of budget, scope, and exit strategy with appraisals based on completed value.
Close & Fund
Interest-only payments during construction; underwriting focused on project strength.
Renovate & Sell (or Refi)
Fix the property and exit through sale or transition into a DSCR rental loan.
FAQ
Frequently Asked Questions
Answers to common questions about working with Archwest Capital.
How does a fix and flip loan work?
A Fix & Flip Loan is a short-term financing solution designed for real estate investors looking to purchase, renovate, and resell properties quickly. These loans cover both acquisition and renovation costs, providing the capital needed until the property is sold.
What credit score do I need for a fix and flip loan?
Archwest generally requires a minimum average FICO score of 680 for loan eligibility. Alongside credit, Archwest also weighs the strength of the deal and the investor’s track record, rather than relying solely on personal income documentation the way traditional bank financing does.
How long does it take to close on a fix and flip loan?
Our expert team is committed to moving your loan efficiently from application to funding, including same day quotes.
Fix & Flip Loans: As fast as 3 business days; 2 week average
Timelines may vary based on borrower qualifications, property details, and market conditions. In addition, once a borrower is approved, future transactions can close even quicker.
Do I need real estate investing experience to qualify?
Yes, Archwest typically works with experienced investors who have completed at least one project within the past 36 months. Experience requirements vary by loan product, so reach out to discuss eligibility based on your investment background.
How do I start my loan application process?
You can request a quote through our website Get an Estimate and someone will get back to you as quickly as possible.
Nationwide Lender with Local Expertise
County: Austin, Brazoria, Chambers, Fort Bend, Galveston, Harris, Liberty, Montgomery, Waller
City: Houston, Sugar Land, The Woodlands, Pasadena, Pearland, League City, Conroe, Baytown, Missouri City, Galveston
Recently Funded
Ready to Flip in Houston?
From The Heights to updating bungalows in Bellaire, Houston offers value-add opportunities for experienced investors who move fast. With Archwest, you’ll get funding that matches your hustle.