A large luxury estate home features stone and white stucco exterior finishes, a stone address marker displaying "285" in the foreground, and a vibrant sunset sky.

Longhorn Investments: Fix and Flip, Rental, and New Construction Loans

Longhorn Investments is a direct private lender with deep experience, offering short-term financing and legal expertise to support real estate investors across acquisition, renovation, and strategy.
Fix & Flip
Loan Close Time
3-5 business days
Loan Programs
Fix & Flip
Max Leverage
Rental: Up to 75% ARV (excluding points and fees), not to exceed 100% of cost. Flips: Up to 70% ARV (excluding points and fees), not to exceed 100% of cost. New Construction: Up to 70% of as-complete value, not to exceed 90% of cost.
Virtual Draw Inspections
Fix & Flip
Draw Funding
1 or more days after inspection approval

Overview

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.

Draw & Construction Process

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.

Best For

Fix and Flip, Ground Up (New Construction)

Loan Programs

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.

States Served

Resources

Legal / Disclosures

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).

Submit My Deal