If you own investment property or a vacation home in Austin and want to tap your equity — or if you are looking to purchase a non-owner-occupied rental, second home, or fix-and-flip property in the Austin area — Home Equity Lending is your direct lender. We have been closing investment property loans in Texas since 1998.
Austin has transformed into one of America’s premier investment property markets, driven by tech industry growth, a young renter population, and limited housing supply relative to demand.
Investment Property Loan Programs Available in Austin
- Investment Property Cash-Out Refinance — Tap equity in your Austin rental or vacation property. Up to 75% LTV, no tax returns required on hard money programs.
- DSCR Purchase Loans — Buy a Austin rental property based on rent income, not personal income. No W2s, no tax returns. Qualify on projected or actual rent.
- Vacation Home Equity Loans — Cash-out your second home or vacation property in Austin. Up to 75% LTV on non-owner-occupied vacation properties.
- Fix and Flip Loans — Purchase and rehab investment properties in Austin. Close in 10 days, up to 90% LTC, interest-only payments during construction.
- Hard Money Bridge Loans — Short-term asset-based financing for Austin investment properties. No income verification, no FICO minimum. Close in 7-10 days.
- No Doc Investment Loans — For investors with non-traditional income. Asset-based approval on Austin investment and vacation properties.
Why Austin Investors Choose Home Equity Lending
We close investment property loans on short-term rentals, long-term rentals, vacation homes, and fix-and-flip properties throughout Austin, Round Rock, Cedar Park, and surrounding Travis and Williamson County.
We are 100% asset-based on hard money programs — approvals based on property value, not tax returns or credit scores. DSCR programs qualify on rental income alone. Most loans close in 7-21 days depending on program. Free written quotes with no obligation and no upfront fees.
Local Market Considerations for Austin Investors
Austin investors targeting short-term rentals should know the city licenses STRs by type — Type 2 (non-owner-occupied) permits are capped and restricted to specific zoning districts, and the city has tightened enforcement in recent years. Confirm STR eligibility for a specific address before underwriting a purchase around nightly-rental income; long-term DSCR rentals aren’t affected by this rule.
Beyond STR rules, Austin’s investor demand is driven by continued corporate relocations and expansions (Tesla, Apple, Samsung) feeding steady renter demand in Travis and Williamson County, even as the market has cooled from its 2021-2022 peak.
Get an Investment Property Loan Quote in Austin
Call us at 888-727-3057 or fill out our quick quote form. We respond same day on most loan requests. No upfront fees. No obligation.
Home Equity Lending — investment property and vacation home loans serving Austin and all of Texas since 1998.