Eagle Point Lending

Eagle Point Lending is a Texas-based direct private lender specializing in asset-based financing for real estate investors. The company provides fix-and-flip, rental/DSCR, new construction, bridge, land, and transactional loans throughout Texas, emphasizing common-sense underwriting and fast closings.

Direct Private Lending for Texas Real Estate Investors

Eagle Point Lending is a private asset-based lender for investment properties in Texas. We are focused on the asset, rather than the borrower, and we use common sense underwriting. We see ourselves as a partner to our investor clients. We can close within 5 days of initial application.

100% Financing* for rehab projects, up to 70% ARV
Purchase Bridge Loans up to 70% LTV
Refinance Bridge Loans up to 65% LTV
Ground-Up Construction Loans up to 70% ARV
Land Loans up to 70% LTV
Transactional Funding (same day close)

*In order to get 100% financing for rehab projects, investors must have experience and a 650+ FICO score. Otherwise, we would require a 10-15% cash down payment for the purchase.

We primarily lend on residential investment properties (1-4 units) but will consider some multifamily and commercial real estate.

Please note: We do NOT offer loans for owner-occupied homes or specialty commercial properties.

Common Loan Scenarios

Fast Private Lending in Texas only
90% Financing for Rehab Projects
Purchase Bridge Loans up to 70% LTV
Refinance Bridge Loans up to 65% LTV

Scenarios Not Considered

Owner-Occupied Homes (Homesteads)
Specialty Commercial Properties
2nd Mortgages or Junior Liens

Details and Requirements

Property Geographic Area Details

Texas metropolitan areas Austin, Dallas, El Paso, Houston, Rio Grande Valley, San Antonio

Loan Amounts

$75,000 to $2,000,000

Interest Rates

11% to 13%

Origination Fees

2% to 3%

Loan Terms

6 to 12 months

Lien Position

1st

Credit Check Required

yes

Credit Check Details

Minimum 580 FICO score required. We do check credit and prefer to lend to borrowers with a credit score over 600. We will consider lower scores depending on the circumstances.

Minimum Credit Score Required

580

Prepayment Penalty

Typical Closing Time (Days)

Fastest Closing Time (Days)

Payment Structure

Interest Only

Personal Guaranty (Recourse) Required

Always

Borrower Entity Types Considered

Individual(s)
LLC
Limited Partnership
Trust
Corporation

Documentation Required

Credit Report
Bank Statements

Appraisal Required for Residential Property

Always

Appraisal Required for Commercial Property

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Never

Broker Price Opinion (BPO) Accepted for Commercial Property

Never

Will Consider Collateralizing Multiple Properties in One Loan

Will lend to a foreign national

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

Will Consider Equity Joint Venture

Collateral Types

Residential Property
Commercial Property

Loan Purpose

Investment Acquisition
Investment Refinance
Improve Subject Property
Development Project

Property Occupancy

Vacant
Tenant Occupied 100%

Additional Details

For time-sensitive deals, we can order the appraisal to be done after funding the loan. We can do our own in-house valuation to make a quick decision in order to fund, but an appraisal must be done at some point. Many loans only require a desktop appraisal, while others will require a full appraisal with site visit.

Last updated: July 31, 2026

Eagle Point Lending’s Lending Activity

Data Provided By Elementix

12mo Loan Volume

$38,668,973

12mo Loan Count

106

Total Loan Volume

$114,894,382

Average Loan Size

$331,108

Loan Count by State (Past 12 Months)

TX: 106

Data provided by

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Company Quick Facts

Year Established: 2020
Headquarters: Magnolia, Texas
Company Type: Direct private lender
Lending Model: Asset-based real estate lending
Geographic Focus: Texas statewide, including the Houston, Austin, San Antonio, and Dallas-Fort Worth markets
Primary Customers: Real estate investors, builders, and developers
Loan Types: Fix & Flip Loans, Buy & Hold (DSCR) Loans, New Construction Loans, Bridge Loans, Transactional Funding, Land Loans
Property Types: Non-owner occupied residential, commercial, and land investment properties
Underwriting Approach: Asset-based with common-sense underwriting
Funding Model: Direct lender that underwrites and funds its own loans
Typical Closing Speed: As fast as 2 days on qualifying transactions
Minimum Loan Amount: $100,000 (Buy & Hold/DSCR program)

Office Locations

11821 Farm to Market Road, 1488 Unit C, Magnolia, Texas 77354

Connect with Eagle Point Lending:

Our Team

Rachel Rost

Loan Officer

Our minimum loan amount is $75,000

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