Private Money Loans for Texas Real Estate Investors, Builders & Developers

Refinance & Cash Out | Ground-Up Construction | Fix & Flip | Land Development

Capital Insiders is a private lending company based in Texas with over two decades of “boots on the ground” expertise. We provide creative financing solutions to local real estate investors, operators, builders, and developers.

As direct lenders, we originate, underwrite, fund and service your loan from beginning to end. We are not brokers, and we do not require third-party approvals. we are well capitalized, and capable of closing within 48 hours after receiving all required documents and underwriting approvals.

Property Geographic Area Details

Austin, DFW, Houston, San Antonio, Rio Grande Valley

Loan Amounts

$80,000 to $1,500,000

Interest Rates

9.95% to 13.95%

Max Loan-To-Value


Max Loan-To-Cost


Origination Fees

2% to 4%

Loan Terms

12 months to 60 months

Lien Position

  • 1st

Loan Purpose

  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Value Add Project
  • Development Project

Property Occupancy

  • Vacant
  • Tenant Occupied 100%
  • Owner Occupied Commercial

Property Types and Loan Types

Collateral Types

  • Residential Property
  • Commercial Property
  • Commercial Property Ground Lease

Property Types

  • 2-4 Units Residential
  • Adult Day Care
  • Assisted Living Facility
  • Auto Dealership
  • Auto Repair
  • Car Wash
  • Child Day Care
  • Commercial Condominium
  • Commercial Land
  • Community Center
  • Condominium
  • Event Center
  • Gym
  • Healthcare
  • Hospital
  • Hotel
  • Industrial
  • Manufactured Home
  • Mixed-Use
  • Mobile Home Park
  • Motel
  • Multifamily
  • Office
  • Parking Lot
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • RV Park
  • Ranch
  • Recreational
  • Rehabilitation Facility
  • Residential Land
  • Retail
  • School
  • Senior Housing
  • Single Family Residence
  • Sports Facility
  • Storage Facility
  • Student Housing
  • Theater
  • Vehicle Parking

Loan Types

  • Private Money
  • Hard Money
  • Commercial Bridge
  • Commercial Property Value Add
  • Residential Fix and Flip
  • Commercial Ground-Up Construction
  • Residential Ground-Up Construction

Specialty Loan Types

  • Land Development
  • Condo Conversion
  • Residential Long-Term Rental
  • Note Purchase
  • Reverse 1031 Exchange
  • Discounted Note Payoff
  • Line of Credit Single Property
  • Subdivisions

Land Loan

Land Types Considered

  • Residential Land
  • Multifamily Land
  • Industrial Land
  • Office Land
  • Retail Land
  • Hospitality Land
  • Special Purpose Land

Will Consider Land That is NOT Entitled


Max LTV for Land


Max LTC for Land Acquisition


Purchase Loan

Max Loan-To-Purchase Price


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Equity in Another Investment Property
  • Gap Lender
  • Family

Rehab Value Add Loan

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw


Maximum After Repair Value


Construction Loan

On a case by case only.

Development Experience Required


Minimum Number of Ground-Up Construction Projects Completed by Borrower


Max LTC for Ground-Up Construction Costs


Interest Charged for Construction Costs

Entire Amount of Total Project Costs

Will Lend on Partially Completed Construction Projects


Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only
  • Amortized

Pre Payment Penalty


Will lend to a foreign national


Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


Borrower Entity Types Considered

  • LLC
  • Limited Partnership
  • Trust
  • Corporation
  • Self-Directed IRA

Documentation Required

  • Credit Report
  • Tax Returns
  • Bank Statements
  • Financial Statements
  • Loan Application

Personal Guaranty (Recourse) Required


Credit Check Required


Minimum Credit Score Required


Credit Check Description

No Recent Bankruptcy or Foreclosures

Appraisal Required for Residential Property


Appraisal Required for Commercial Property


Broker Price Opinion (BPO) Accepted for Residential Property


Broker Price Opinion (BPO) Accepted for Commercial Property



Site Visit Fee

$0 to $250.00

Case by case basis.

Multi-Purpose Lender Fee

$875.00 to $2,499.00

Includes Application, Doc Prep, Admin, Underwriting, Loan Commitment, Loan Processing, Funding

Inspection Fee

$250 - $450 per inspection

Credit Report Fee

$40 for each member of the entity

Extension Fee

3 Month optional extension

Appraisal Fee

Paid directly to appraiser. All loans require a third-party appraisal • All appraisals will be based on After-Repaired Value (ARV) • Appraisals must be ordered by our company and paid by the borrower • We will request an AMC Appraisal for As-Is Value and After Repair Value

Other Fee

Flood Certificate Fee • Lender Discount Fee: 1% / 1 point

Fees which are mandatory for all new borrower clients

  • Multi-Purpose Lender Fee
  • Appraisal Fee
  • Credit Report Fee
  • Other Fee

Fees which are charged upfront prior to loan closing

  • Appraisal Fee

Fees which are paid to a third party company

  • Appraisal Fee

Additional Details

Borrower Criteria: • Minimum of $15,000 or more in a Checking, Savings, IRA and/or 401(k) accounts • Tax Returns (last 2 years) • Borrower Entity: LLC, LP, GP, Corporation and Trusts • Letter of good standing from the Texas Secretary of State • Certificate of Account Status from the Texas Comptroller of Public Accounts • Corporate Documents (Partnership Agreement, Operating Agreement, Articles of Incorporation, Certificate of Formation) • EIN form from Internal Revenue Service • W9 Form • Copy of the Company 3 most recent month’s bank statements (all pages), checking, savings, money market, certificate of deposit, etc. • Fully executed purchase agreement including all addenda, assignments and signatures. • Title company contact and title commitment • Detailed Renovation Budget along with bids from contractors • All principals of the LLC will sign a personal guarantee • All loans require a third-party appraisal • Insurance premiums are to be paid in full at closing. NO EXCEPTIONS. • Dwelling only coverage must include vacancy and vandalism riders • A builder’s risk policy is preferred for rehabs over $20,000 • If a borrower has a blanket policy, the insurance agent must provide proof of insurance showing the addition of the new property and showing proof of in-force blanket policy • Replacement cost coverage is required • The lender must be named as loss payee and additional insured • Borrower MUST provide a minimum 12-month insurance policy to be paid in full at closing. Borrower’s insurance agent should provide a certificate of insurance or evidence of insurance, including invoice, to our processing department prior to closing

Capital Insiders, LLC is a Private Lending Firm offering an Institutional-grade lending platform for small-balance commercial real estate loans.

As direct lenders, our company provides a streamlined process. We originate, underwrite and service the loans in-house, and we drastically reduce the bureaucracy and red-tape that can delay or even dissolve an opportunity for the borrower.

With over two decades of “boots on the ground” expertise, including; developing, building, owning and managing real estate, our consultants and loan officers are well versed in the industry and we understand the needs and goals of our clients. Our team is willing and able to assist in every step of the loan process, starting from the preliminary feasibility study, to the loan closing.

Unlike many lenders, we are positioned to help our borrowers with exit and restructuring strategies. We have programs that accommodate a variety of real estate investment objectives. Not only do we work with investors who need financing with the intent to buy-then-sell, but also construction or rehab to rental transitions, cash-out refinancing and more…

In addition to our lending capabilities, we offer accredited investors access to our investment fund backed by first-lien, secured real estate. The fund offers capital preservation, consistent income and a preferred return to investors.

Year Established



  • American Association of Private Lenders - Member

Office Locations

Capital Insiders, LLC
6112 N. 10th Street, Suite 1C, McAllen, TX 78504

Primary Capital Source

  • Own Funds
  • Individual Investors
  • Other Private Lending Companies

Alternative Capital Sources

  • Own Funds
  • Individual Investors
  • Other Private Lending Companies

Loan Structure for Majority of Loans

  • Own Balance Sheet

Alternative Loan Structures

  • Table Funding with Capital Partner

Percentage of company’s lending business focused on private mortgage


Company’s Other Business Activities Besides Private Mortgage Lending

  • Commercial Mortgage Brokerage
  • Note Investing

Percentage of Loans Secured by Commercial Property


Emiliano Zapata

Founder & CEO

Mr. Zapata has more than 20 years of experience across structured real estate finance, investment, development, and construction. He started his real estate career in 1995, founding Zapata Construction and Development Co, a privately held, award-winning real estate company that specialized in design, development, construction, and management of residential, multifamily and commercial developments projects in Texas. An engineer by profession, Mr. Zapata is numbers-driven, and with over two decades of first-hand real estate development and structured finance experience he is a qualified and passionate advisor and leader. He is an avid entrepreneur, visionary, and key business-consultant to several entrepreneurs and companies.

Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.


At the end of the form you can enter the additional properties.

(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


how will the loan be paid off?


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