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Investment property loans · Tarrant County, TX

Hard money, fix and flip and DSCR loans in Fort Worth, TX

Fort Worth investors find prewar housing close to downtown, from the Fairmount historic district on the Near Southside to the 1920s bungalows of Arlington Heights, plus older east-side neighborhoods such as Polytechnic Heights and Stop Six. Typical strategies include restoring historic homes under district design rules, renovating east-side houses for resale or rent, and holding rentals near TCU, where an overlay limits unrelated occupants.

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Where investors buy

Neighborhoods investors look at in Fort Worth

The Fairmount-Southside Historic District holds more than a thousand contributing buildings from the late 19th and early 20th centuries, and most homes in Arlington Heights are 1920s bungalows and Tudors. On the southeast side, Polytechnic Heights grew around Texas Wesleyan University and peaked in the 1930s as faculty housing.
FairmountPart of the 340-acre Fairmount-Southside Historic District, roughly bounded by Magnolia, Hemphill, Eighth and Jessamine; it is also a city historic district, so exterior work needs a Certificate of Appropriateness.
Near SouthsideThe area directly south of downtown, often called the hospital or medical district, which the city made an Urban Design District in 2008.
Arlington HeightsWest-side neighborhood bounded generally by Camp Bowie Boulevard, Interstate 30 and Montgomery Street, with mostly 1920s bungalow and Tudor houses.
Polytechnic HeightsSoutheast neighborhood along Rosedale Street, known locally as Poly, that is home to Texas Wesleyan University.
Stop SixHistorically Black southeast community bounded by Berry Street, Miller Street, Rosedale Street and Loop 820, named for the sixth stop on the old interurban line to Dallas.

Loan programs

Loans for Fort Worth 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 Fort Worth

30-year loans for Fort Worth 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 Fort Worth

Buy and renovate in Fort Worth 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 Fort Worth

Close quickly on a Fort Worth 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 Fort Worth

Financing for new builds in Fort Worth, 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 Fort Worth

Financing for Fort Worth 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 Fort Worth

Local rules and costs that change a deal's numbers or closing date in Fort Worth and Tarrant County. Sources are listed at the bottom of the page.
  • Register multifamily rentals with the city every year, and expect mandatory annual registration with a per-unit fee for any one- or two-family rental cited for fire safety or public health and sanitation violations; out-of-state owners must name a local agent.
  • Check zoning before planning a short-term rental: Fort Worth does not allow STRs in its residential districts (including A, AR, B, R1, R2, CR, C, D and UR), and where they are allowed, each property needs annual city registration and monthly hotel occupancy tax filings.
  • Budget time for a Certificate of Appropriateness if the house is in one of the city's local historic districts, such as Fairmount or Mistletoe Heights; windows, siding, roofing, porches, additions and demolition all need one before permits are issued or work begins.
  • Check the TCU Overlay before underwriting a student rental near campus: it limits occupancy to three unrelated people in single-family zoning districts inside the overlay.

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Have a Fort Worth 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 Fort Worth: common questions

Do you offer hard money loans in Fort Worth?

Yes. United Lending LLC offers private real estate financing for investors in Fort Worth 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 Fort Worth?

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 Fairmount, Near Southside and Arlington Heights, among other parts of Fort Worth.

How much can I borrow for a Fort Worth 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 Fort Worth?

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 Fort Worth 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 Fort Worth: Rental Registration
  2. City of Fort Worth: Rental Property
  3. City of Fort Worth: Short-Term Rentals
  4. City of Fort Worth: Historic Preservation
  5. Tarrant County: Property Tax (Tarrant Appraisal District)
  6. Texas Comptroller: Property Tax Exemptions
  7. Wikipedia: Fort Worth, Texas
  8. Wikipedia: Fairmount-Southside Historic District
  9. Wikipedia: List of neighborhoods in Fort Worth
  10. Wikipedia: Polytechnic Heights
  11. Wikipedia: Stop Six