Constructive Loans for Texas investors
Constructive Loans has particular strength in new construction and ground-up development financing across multiple states including Illinois.
Texas context
Texas no state income tax. Property tax burden among highest in nation. Strong investor activity statewide. Houston no zoning unique. Hurricane consideration on Gulf Coast.
How Constructive Loans positions in Texas
For Texas specifically, Constructive Loans fits investors who match the hard money approach. The high cash flow profile of Texas aggregate makes it a target market for Constructive Loans.
City-level coverage in Texas
Constructive Loans provides DSCR coverage across Texas metros including Houston, Dallas-Fort Worth, and Austin. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Constructive Loans program terms apply uniformly across Texas metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, new-construction, bridge |
| Loan size | $75K - $5.0M |
| Rates | 9%-12% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 10-21 days typical |
| Texas property tax | 1.9% |
| Texas state income tax | None |
Constructive Loans strengths in Texas
- experienced new construction underwriting
- broad product suite
Ideal borrower: Investor with new construction or ground-up plans
FAQ
Yes, operates nationally including Texas. Constructive Loans is based in New York, NY and operates nationally.
Houston is the top investor market in Texas and falls within Constructive Loans national coverage. Houston property tax follows the Texas state rate of 1.9 percent. Constructive Loans typically underwrites Houston acquisitions at standard rate sheets.
Yes. Dallas-Fort Worth ranks among the larger Texas investor metros and sees consistent DSCR loan volume from Constructive Loans. Submarket variation within Dallas-Fort Worth matters for property selection.
Constructive Loans applies the same rate sheet across Texas metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Houston, Dallas-Fort Worth, and Austin all qualify for the same Constructive Loans program.
Constructive Loans indicative DSCR rate range is 9 to 12 percent with 1 to 3 points.
Texas no state income tax. Property tax burden among highest in nation. Strong investor activity statewide. Houston no zoning unique. Hurricane consideration on Gulf Coast. Constructive Loans follows standard business-purpose loan structures.
Constructive Loans funds fix-and-flip, BRRRR, rental, new-construction, bridge in Texas.
Texas allows standard DSCR prepay structures; Constructive Loans typically uses 3-5 year step down.
Constructive Loans typical close: 10-21 days typical.
Bottom line
Texas investors considering Constructive Loans should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with Constructive Loans.