Clients choose Little City Investments because:
- Fast funding, typically within 7 business days or less.
- Up to 100% financing for $100K – $2 million.
- Up to 75% loan to value.
- Competitive interest rates starting at 8.5%.
- Appraisals often NOT required.
- NO application fee.
- NO income verification.
- NO steep prepayment penalties.
- We quickly fund projects that banks cannot.
- We are direct lenders, not brokers.
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Property Types
- 2-4 Units Residential
- Auto Repair
- Child Day Care
- Club
- Commercial Condominium
- Commercial Land
- Condominium
- Hostel
- Industrial
- Mixed-Use
- Multifamily
- Office
- Parking Lot
- Residential Land
- Retail
- Single Family Residence
- Storage Facility
- Vehicle Parking
Loan Types
- Private Money
- Hard Money
- Commercial Bridge
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
- Residential Ground-Up Construction
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
noExisting Land Improvements Required
- Street Access
Max LTV for Land
50%Max LTC for Land Acquisition
100%Max Loan-to-Purchase Price
100%Borrower Must Have Property Under Contract
yesWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
noAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Subject Property
- Equity in Another Investment Property
- Seller Financing
- Gap Lender
- Family
Experience Required
noMinimum Number of Value-Add Projects Completed by Borrower
0Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
100%Interest Charged for Renovation Costs
Entire Amount of Total Project CostsTypical Number of Days for Funds Draw
1Development Experience Required
yesMinimum Number of Ground-Up Construction Projects Completed by Borrower
1Max LTC for Ground-Up Construction Costs
100%Interest Charged for Construction Costs
Entire Amount of Total Project CostsWill Lend on Partially Completed Construction Projects
yesProcessing Fee
$399
Documents Fee
$350
Renovation Construction Draw Fee
$250
Fees which are mandatory for all new borrower clients
- Processing Fee
- Documents Fee
Fees which are paid to a third party company
- Documents Fee
- Appraisal Fee
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Little City Investments provides quick, painless hard money loans for residential and commercial real estate in Austin, Houston and San Antonio, Texas. We lend on residential fix and flips, non-homestead purchases and refinances, raw land and new construction.
Office Locations
Austin Office2210 South 1st Street, Unit L, Austin, Texas 78704
Houston Office
405 Main Street, Houston, Texas 77002
Our Team
Kary Aycock
Principal
Texas Real Estate Broker's License - 515755
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