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UNITEDLENDING

Investment property loans · Tarrant County, TX

Hard money, fix and flip and DSCR loans in Arlington, TX

Arlington sits between Dallas and Fort Worth and is home to the University of Texas at Arlington, AT&T Stadium, Globe Life Field and Six Flags Over Texas. Investors here buy suburban single-family homes for long-term rentals, plus duplexes and apartment properties that the city inspects every year, and some buy for short-term rental inside the permitted zone around the stadium district.

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Where investors buy

Neighborhoods investors look at in Arlington

Arlington's biggest growth came from the 1950s through the 1980s, when it went from a small railroad town to a large suburb, so much of its housing dates from those decades. Its rental stock includes single-family houses, duplexes and apartment communities, the last two covered by annual city inspection programs.
Downtown ArlingtonThe city's civic and historic core, guided by a Downtown Master Plan adopted in 2018 that ties it to the UT Arlington campus next door.
UT Arlington and College Park DistrictThe campus sits at the southern edge of downtown, and the College Park District, completed in 2012, added an arena, student apartments and retail on its east side.
Entertainment DistrictThe stadium area around AT&T Stadium, Globe Life Field and Choctaw Stadium; the STR Zone around it, bounded by East Lamar Boulevard, Center Street, East Abram Street and the SH 360 frontage road, is where houses in any zoning district can qualify for a short-term rental permit.
Division Street corridorThe corridor linking Downtown and the Entertainment District, where a city strategy aims to sustain private investment and raise property values.

Loan programs

Loans for Arlington real estate investors

Pick the loan that fits the deal: short-term money to buy, renovate or build, or a long-term loan to hold the property. Published limits are subject to appraisal and underwriting.
Long-term

DSCR rental loans in Arlington

30-year loans for Arlington rentals of 1–4 units, fixed or adjustable, qualified on the rent with no personal income verification: up to 85% of the price on a purchase, with loans from $75,000.

Purchase LTV up to85%
Term30 years
Income docsNot required
Loans from$75K

Subject to appraisal and underwriting.

DSCR loans: terms and requirements
Short-term

Fix and flip loans in Arlington

Buy and renovate in Arlington with up to 95% of the price and 100% of the rehab budget, on a 12–18 months interest-only loan with no prepayment penalty when the house sells.

Purchase price up to95%
Rehab funded up to100%
Term12–18 months
Prepayment penaltyNone

Subject to appraisal and underwriting.

Fix and flip loans: terms and requirements
Short-term

Bridge loans in Arlington

Close quickly on a Arlington property with up to 95% of the cost financed and a 12–18 months interest-only term, then sell it or refinance onto a long-term loan. No prepayment penalty.

Leverage up to95% LTC
Term12–18 months
PaymentsInterest only
Prepayment penaltyNone

Subject to appraisal and underwriting.

Bridge loans: terms and requirements
Short-term

Ground-up construction loans in Arlington

Financing for new builds in Arlington, from spec homes built to sell to rentals built to hold. Every project is quoted on its plans, budget and builder.

Quoted on your deal.

Construction loans: get a quote
Long-term

Multifamily and commercial loans in Arlington

Financing for Arlington apartment buildings of five units or more, mixed-use and commercial property, quoted on the building's income.

Quoted on your deal.

Multifamily and commercial: get a quote

Good to know

Before you buy in Arlington

Local rules and costs that change a deal's numbers or closing date in Arlington and Tarrant County. Sources are listed at the bottom of the page.
  • Register any non-owner-occupied duplex with Code Compliance, including one where you live in one side and rent the other; the city scores duplex exteriors every year, a score of 70 or below triggers an interior inspection, and re-inspections carry a fee.
  • Budget for the annual multifamily license, charged per unit, and the annual inspection and risk rating: complexes scoring below 70 get every unit inspected and pay per-unit re-inspection fees.
  • Check the STR Zone map before buying for short-term rental use: since August 1, 2019, permits are limited to the zone around the Entertainment District plus certain multifamily, mixed-use and non-residential districts, existing rentals were not grandfathered, and a permit does not transfer to a new owner.
  • Price property taxes at the non-homestead level using the Tarrant Appraisal District value, since a rental cannot claim the seller's residence homestead exemption, and protest by the later of May 15 or 30 days after the appraisal notice is delivered.

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Have a Arlington property in mind?

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United Lending LLC offers business-purpose financing secured by non-owner-occupied investment real estate. We do not offer loans for personal, family or household purposes, or loans on owner-occupied primary residences.

Questions

Loans in Arlington: common questions

Do you offer hard money loans in Arlington?

Yes. United Lending LLC offers private real estate financing for investors in Arlington and the rest of Tarrant County: fix and flip and bridge loans sized on the deal, and DSCR rental loans sized on the rent. We're headquartered in Brooklyn, New York, and lend nationwide.

Do you offer DSCR loans in Arlington?

Yes. Our DSCR loans are 30-year loans on 1–4 unit rentals, fixed or adjustable, qualified on the property's rent against its monthly payment with no personal income verification, up to 85% loan-to-value on a purchase and loans from $75,000. Investors use them for rentals in Downtown Arlington, UT Arlington and College Park District and Entertainment District, among other parts of Arlington.

How much can I borrow for a Arlington flip?

Up to 95% of the purchase price and up to 100% of the rehab budget, on a 12–18 months interest-only loan. Those are maximums, subject to appraisal and underwriting: the property, your experience and the comps set what your loan gets.

Is there a prepayment penalty on a loan in Arlington?

There's no prepayment penalty on fix and flip or bridge loans. DSCR rental loans come with a choice of prepayment terms, from none up to five years, set out in your written terms before you commit.

Do I need to live in Arlington or have a Texas LLC?

No. You can borrow in your own name or through an LLC, wherever you live; many of our borrowers invest outside their home state. If your LLC was formed outside Texas, your loan officer will tell you what's needed before closing.

Texas

More places we lend in Texas

Sources (11)Checked November 6, 2026

United Lending's loan terms are its published program limits. The local rules and costs on this page come from the public sources below, checked on the date shown; confirm them with the city, county or your closing attorney before you rely on them.

  1. City of Arlington: Duplex Inspection Program
  2. City of Arlington: Multi-Family Property Inspection Program
  3. City of Arlington: Multi-Family Property Inspection Scores
  4. City of Arlington: Short-Term Rentals
  5. City of Arlington: Downtown Master Plan
  6. City of Arlington: Division Street Corridor Strategy
  7. Tarrant County: Property Tax (Tarrant Appraisal District)
  8. Texas Comptroller: Property Tax Exemptions
  9. Texas Comptroller: Property Tax Protests
  10. Wikipedia: Arlington, Texas
  11. Wikipedia: University of Texas at Arlington