If you own investment property or a vacation home in San Antonio 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 San Antonio area — Home Equity Lending is your direct lender. We have been closing investment property loans in Texas since 1998.
San Antonio is one of the fastest-growing cities in the US, with strong military-driven rental demand from Fort Sam Houston and Lackland AFB, steady tourism, and a rapidly expanding tech and healthcare sector.
Investment Property Loan Programs Available in San Antonio
- Investment Property Cash-Out Refinance — Tap equity in your San Antonio rental or vacation property. Up to 75% LTV, no tax returns required on hard money programs.
- DSCR Purchase Loans — Buy a San Antonio 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 San Antonio. Up to 75% LTV on non-owner-occupied vacation properties.
- Fix and Flip Loans — Purchase and rehab investment properties in San Antonio. Close in 10 days, up to 90% LTC, interest-only payments during construction.
- Hard Money Bridge Loans — Short-term asset-based financing for San Antonio 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 San Antonio investment and vacation properties.
Why San Antonio Investors Choose Home Equity Lending
We close investment property loans on single-family rentals, vacation properties near the Riverwalk, and multi-unit investment properties throughout San Antonio and surrounding Bexar 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 San Antonio Investors
San Antonio is one of the largest military cities in the country, home to Joint Base San Antonio’s multiple installations, alongside a major tourism economy centered on the Riverwalk and historic missions. That combination supports both stable long-term rental demand from military and healthcare tenants and short-term rental demand in tourism-adjacent neighborhoods.
Investors targeting short-term rentals should confirm current City of San Antonio STR permitting requirements for a specific address before underwriting nightly-rate income — like Austin, the city regulates STR operators, and long-term DSCR rentals are the more straightforward path for out-of-market investors.
Get an Investment Property Loan Quote in San Antonio
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 San Antonio and all of Texas since 1998.