Wildcat Lending is now Crebrid—powered by a new partnership with Barings. Press release here.

Crebrid in Houston

Houston is a market where timelines are real, competition is constant, and the best deals reward decisive execution. Crebrid supports Houston investors with hard money lending built around speed, clarity, and tech-powered underwriting so you can move from contract to closing without the slowdowns that come with traditional financing. We understand the city’s pace and pressure, and we structure funding to match Houston’s scale, urgency, and upside.

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Hard Money Lending in Houston

Houston hard money loans are often the go-to solution when you need to buy fast, renovate efficiently, or carry a property through a transition that banks do not underwrite well. Investors commonly use short-term funding for fix and flip rehabs, small multifamily value-add, and targeted development where the budget, schedule, and draw timing all matter. Crebrid works with flippers, small developers, and buy-and-hold operators seeking investment property loans in Houston that are built around the deal, not bank checklists.

When your plan depends on certainty, you need a lender that can keep up and stay consistent through closing and draws. We focus on the collateral, the scope, and the exit, then deliver straightforward terms that let you act with confidence.

Top Neighborhoods for Investors

Houston has multiple pockets where renovations, infill, and long-term rental demand can create strong opportunities when the numbers make sense. If you are underwriting your next acquisition, these are four Houston neighborhoods that frequently come up for investors balancing resale liquidity, tenant demand, and renovation potential:

The Heights

Buyer demand and neighborhood character can support well-executed renovations that improve function without erasing what makes the home appealing. Investors tend to do best here by keeping scope disciplined and pricing to the comps, not the dream scenario.

East Downtown (EaDo)

Ongoing redevelopment and proximity to major employment centers can support both resale strategies and rental demand when execution is clean. Underwriting should account for block-by-block variation so the deal is driven by the micro-location, not just the zip code.

Spring Branch

Value-add opportunities can show up when older housing stock meets steady demand from long-term residents and new buyers alike. Many successful projects here focus on practical layouts and durable finishes that match the neighborhood price ceiling.

Third Ward

Reinvestment and new construction activity can create upside, but investors need to underwrite carefully around permitting, timeline risk, and neighborhood-specific pricing dynamics. The strongest outcomes usually come from tight project management and an exit plan that fits the immediate submarket.

Loan Options

Crebrid offers a variety of loan products designed to meet the unique needs of real estate investors in Houston. Explore statewide loan programs available across Houston and the rest of Texas:

Fix & Flip Loans

Houston fix and flip loans are designed to fund the purchase and renovation of an investment property with an ARV-based structure that matches real rehab timelines. This option is a fit when you want speed to close, a clean draw process, and terms aligned with your resale strategy.

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Bridge Loans

Houston bridge loans help you acquire or reposition a property quickly while you stabilize, renovate, or line up longer-term financing. Investors often use bridge capital when the asset is in transition and execution matters more than waiting on a bank process.

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New Construction Loans

New construction loans support Houston ground-up and infill projects from acquisition through completion, with funding tied to build progress. This structure helps keep your project moving without overextending cash reserves.

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Refinance Loans

A Houston refinance loan can be used to replace existing debt, improve terms, or access equity after you complete renovations or stabilize operations. It is a common strategy for recycling capital into the next deal while keeping your portfolio moving.

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How It Works in Houston

1
Send the deal details

Share the property address, purchase price, and your target timeline, plus a rehab budget and scope if improvements are planned. Include your expected exit, whether that is a resale, refinance, or longer hold. With the right inputs upfront, we can evaluate feasibility fast and avoid unnecessary loops.

2
Get clear terms, tailored to your project

We provide terms that are easy to compare and built around the property and the plan. You will see the structure and economics clearly so you can make a decision without guessing what comes later. If anything needs to be refined, we surface it early so your timeline stays intact.

3
Tech-powered underwriting and verification

Once you move forward, our tech-powered workflow keeps underwriting focused and efficient. We reduce avoidable back-and-forth while still verifying the details that actually drive risk and value. The goal is speed with real diligence, not speed by skipping steps.

4
Close and fund without the usual drag

After approval, we work toward closing on an investor schedule rather than stretching the process out. Funding is coordinated so you can start work quickly and keep contractors active. For rehab projects, draws are managed through the platform to help you maintain momentum.

5
Sell, refi, or roll into your next project

When the work is done, you can sell, refinance, or redeploy into the next opportunity based on what the market supports. The right exit depends on your basis, your timeline, and property performance after improvements or stabilization. We keep payoff and next steps straightforward so your capital is ready for the next deal.

Speak to a Client Advisor

They Hit Submit. We Did the Rest.

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Nick Poulos

I’ve worked with Kevin Shipman and Crebrid for 7 years across referrals, client deals, and our own investments. Kevin is always reliable and delivers exceptional service. Most recently, he and Ford Story went above and beyond to fund a last-minute deal when a client backed out. They made it happen on time, and we’re grateful to keep working with them.

Alicia Berridge
 - St. Louis / California

I’ve worked with Crebrid on four transactions since November 2023, and they’ve been exceptional every step of the way—from lending and insurance to rehab and answering all my questions. They’re professional, reliable, and ethical—especially in the hard money space. Big shoutout to Jack, my rep, for your patience and support. You’re the best. Love this team!

Bella Investments

Fantastic service from William at Crebrid! He ensured my draw requests were processed smoothly and efficiently, with great attention to detail and communication. Truly professional and dedicated—highly recommend for any lending needs!

Jennifer Miller

Isaiah in the Atlanta market has been amazing to work with. My clients rave about his great service and quick turnaround when processing their loans. A pleasure to work with and a true professional in my book. He is my number one go-to when referring clients for their hard money lending needs.

Submit Your Houston Deal Today

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Houston Real Estate Market Snapshot

Houston investing decisions are being made in a market where supply, time-on-market, and pricing behavior can materially affect underwriting and exit timing. Below are a few current signals that can impact real estate investing in Houston:

  • Inventory Expansion and a More Balanced Market: Recent reporting on 2025 highlights rising months of inventory and longer days on market, signaling a shift toward a more balanced environment where buyers have more time and negotiating room than in recent years.
  • Active Listings Growth Across the Metro: The Houston metro is leading Texas in active listings and showing significant year over year growth, which can influence pricing strategy and resale assumptions for Houston investment properties.
  • Record High Inventory and Steady Pricing Signals: A June 2025 update reported record inventory levels alongside relatively steady median pricing, a combination that can affect hold times, rehab pacing, and conservative ARV underwriting.

Explore More Cities Across the State

Additional Resources

Investment, Lending, Private Lending

Fix-and-Flip Loan Strategies for First-Time Ohio Investors

02.01.2026
Starting your first fix-and-flip project can feel overwhelming, especially when financing is involved. Between finding the right property, budgeting renovations, and understanding loan requirements, new investors often struggle to identify where to begin. For Ohio investors entering the fix-and-flip market for the first time, having a clear financing strategy can make the process far more manageable.
Lending, Investment

Hard Money vs. Traditional Loans for Florida Fix-and-Flip Projects

01.31.2026
When real estate investors look at fix-and-flip financing in Florida they often have two paths to consider. On one side are traditional loans from banks or credit unions and on the other are specialized funding options like hard money loans. The key is understanding how each financing option works in practice and which one best aligns with the realities of a Florida fix-and-flip project.

Houston Real Estate Investing FAQs

Yes. Many Houston hard money lenders are primarily focused on the property, the numbers, and the exit strategy rather than a bank-style credit box. Credit can still be part of the overall picture, but the deal fundamentals typically drive the decision more than traditional lending does.