Pillar Capital Partners for Texas investors
Pillar Capital Partners runs both private money and DSCR rental products with a Midwest focus.
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 Pillar Capital Partners positions in Texas
For Texas specifically, Pillar Capital Partners fits investors who match the private money approach. The high cash flow profile of Texas aggregate makes it a target market for Pillar Capital Partners.
City-level coverage in Texas
Pillar Capital Partners 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. Pillar Capital Partners program terms apply uniformly across Texas metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | Private money |
|---|---|
| Products | fix-and-flip, rental, bridge, private notes |
| Loan size | $75K - $2.5M |
| Rates | 10%-12.5% |
| Points | 1.5 - 3 |
| Max LTV | 70% of ARV |
| Term lengths | 6-18 months (hard money) / 30-year (rental) |
| Typical close time | 7-14 days typical |
| Texas property tax | 1.9% |
| Texas state income tax | None |
Pillar Capital Partners strengths in Texas
- Midwest focus
- experienced underwriting
- broad product suite
Ideal borrower: Mid-to-experienced investor in Chicago or Milwaukee
FAQ
Likely; verify direct Texas coverage. Pillar Capital Partners is based in Chicago, IL and operates in Chicago and Milwaukee metros.
Houston is the top investor market in Texas and is generally within Pillar Capital Partners Chicago and Milwaukee metros footprint. Houston property tax follows the Texas state rate of 1.9 percent. Pillar Capital Partners 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 Pillar Capital Partners. Submarket variation within Dallas-Fort Worth matters for property selection.
Pillar Capital Partners 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 Pillar Capital Partners program.
Pillar Capital Partners indicative DSCR rate range is 10 to 12.5 percent with 1.5 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. Pillar Capital Partners follows standard business-purpose loan structures.
Pillar Capital Partners funds fix-and-flip, rental, bridge, private notes in Texas.
Texas allows standard DSCR prepay structures; Pillar Capital Partners typically uses 3-5 year step down.
Pillar Capital Partners typical close: 7-14 days typical.
Bottom line
Pillar Capital Partners in Texas works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with Pillar Capital Partners.