Construction Loans Ground Up in Hidalgo County Texas
Fix and Flip Loans Texas provides fast, flexible construction loans for ground-up projects in Hidalgo County, Texas. With over 1,000+ funded real estate investment projects across Texas, we help investors and developers build residential and commercial properties efficiently from the ground up. Serving real estate investors across Texas, including McAllen, Edinburg, Mission, and surrounding areas, we are trusted in neighborhoods from Denver to Texas Springs.
Loan Program Overview
Ground-up construction loans finance new developments from land acquisition to completion.
Key Features:
- Up to 85% loan-to-cost (LTC)
- Interest-only payments during construction
- Flexible draw schedules based on milestones
- Terms from 12–24 months
- Fast approvals with asset-based underwriting
How to Qualify
- Construction plans, permits, and budget
- Builder or developer experience
- Exit strategy (sale or refinance)
- Location and demand
Property Types Eligible
- Single-family ground-up builds
- Multi-family developments
- Mixed-use projects
- Commercial construction
- Build-to-rent communities
Fast Funding Timelines
- Same-day deal review
- Term sheet within 24 hours
- Close in 7–14 business days
- Draw disbursements within 24–72 hours after inspections
Local Lending Experience
We understand the Hidalgo County construction environment, including rapid growth in McAllen, Edinburg, and Mission, high demand for residential and multi-family housing, local permitting timelines and zoning requirements, and contractor availability and cost management. These factors require strategic planning and local expertise to help investors execute projects efficiently and maximize returns.
Benefits Over Traditional Banks
Faster Closings
Ability to finance complex or time-sensitive builds
Flexible Underwriting
Custom draw schedules
No income documentation
FAQs
A loan used to finance building a property from the ground up.
Typically 7–14 business days depending on project readiness.
No, loans are based on the project and asset.
Get Started Today
Apply now for fast approval and speak to a local Texas lending expert today. Submit your deal scenario for same-day feedback to get the support you need to move forward quickly with Fix and Flip Loans Texas.