Longhorn Investments was formed in 2008 and has funded over 10,000 loans since inception. They also have a complementary real estate law practice operating out of their corporate office. Longhorn Investments’ wealth of experience puts them in the unique position of being able to help investors through all aspects of each transaction. Whether your investment strategy is flipping or long-term rentals, Longhorn is your best option for a hard money lender.
They are a direct private lender offering short-term acquisition and renovation capital to real estate investors for residential and small multi-family commercial assets.
Longhorn Investments runs a fully documented, reimbursement-based draw process. About two to three business days after funding, the borrower gets an invite to an online draw platform, then submits each draw request there. An inspection is required before funds are released, and Longhorn notes the type of inspection depends on the property’s location and scope of work. Draws are strictly reimbursement, with no funds released for work that has not been performed and no deposits or invoices accepted in lieu of completed work. After the inspection report, it takes about three to four business days to receive the draw reimbursement, and Longhorn says the full cycle typically runs three to five business days from request to funds in the borrower’s account by ACH. A $150 draw and inspection fee applies (standard on up to two doors), deducted from the approved funds. On closing, Longhorn can typically close in three to five business days.
Longhorn Investments is a direct private lender based in Dallas, Texas, founded in 2008, providing short-term acquisition and renovation capital for fix and flip, rental, and new construction projects across the South and Midwest.
• Fix and flip (flips): up to 70% of after-repair value (ARV), not to exceed 100% of cost, from 10.99% on a 12-month term.
• Rental: up to 75% of ARV, not to exceed 100% of cost.
• New construction: up to 70% of as-complete value, not to exceed 90% of cost, from 12.99%.
• Longhorn lends in Texas, Missouri, Indiana, Kansas, Tennessee, Alabama, North Carolina, New Mexico, Arkansas, Ohio, and Georgia. It is an AAPL member and a Scotsman Guide Top Private Lender for 2025.
Longhorn Investments is a direct private lender headquartered in Dallas, Texas, founded in 2008, providing short-term acquisition and renovation capital to residential and commercial real estate investors. It lends across major metros in Texas, Missouri, Indiana, Kansas, Tennessee, Alabama, North Carolina, New Mexico, Arkansas, Ohio, and Georgia for real estate investment purposes. It is a member of the American Association of Private Lenders (AAPL).
Ratings are based on the following criteria:
Platinum & Gold Lenders
Platinum and Gold lenders are committed to delivering a modern, streamlined draw experience. These lenders typically support fully digital draw requests combined with virtual inspections across a wide range of project types. Their goal is to provide the fastest possible turnaround times without compromising risk management or construction oversight.
Silver & Bronze Lenders
Silver and Bronze lenders are still strong lending partners and have automated portions of their draw operations. However, the borrower experience may vary depending on the project type, inspection method, or capital partner requirements. In some cases, additional approval layers or third-party capital sources can increase reimbursement timelines.
About Virtual Inspections
Virtual inspections allow borrowers to skip scheduling a field inspector. They are typically reviewed within hours of submission. Borrowers must still document work thoroughly, including cost evidence (receipts) and lien waivers where applicable. Every lender listed on Lenderly offers virtual inspections and automated draw requests. The majority utilize independent construction experts for remote review, or they review submissions in house.
A draw-friendly lender is one that prioritizes speed, simplicity, and reliability when it comes to funding your project. They make it easy to request draws, minimize friction in the process, and get you reimbursed quickly so your project keeps moving.
The best draw-friendly lenders combine digital draw request tools with virtual inspections, allowing you to submit, verify, and receive funds often within 24 hours.
By comparison, traditional timelines can slow you down:
Every lender featured here offers a streamlined, digital draw process and supports virtual inspections for at least some of their loan products, helping you access capital faster and with far less hassle.