Houston, TX
Houston Investment Property Loans for Rentals and Warehouses
Insource Funding is a direct private lender for rental, bridge, multifamily, mixed-use, and commercial property purchases and refinances in Houston. Loans range from $100,000 to $5 million with asset-based underwriting—no DSCR, personal-income verification, or tax returns.
Houston's size means constant opportunity. If the deal makes sense, we'll move quickly and give you a straight answer.
Direct Lender
Since 2001
$100K–$5M
Loan amounts
No DSCR
Or income verification
Purchases + Refinances
Including cash-out
Get a Quote for Your Houston Property
Tell us about the property and the financing you need. We issue same-day term sheets when the initial scenario fits our guidelines.
Want to See Your Financing Options?
Tell us about the property. We'll let you know if it works and explain the available financing. No runaround.
Loan programs
Investment Property Financing Available in Houston
All programs are for business-purpose, non-owner-occupied real estate. Purchases and refinances are available, subject to property and borrower qualification.
Financing Needs We Handle
Purchasing an investment property
Financing for an eligible rental, multifamily, mixed-use, or commercial acquisition.
Replacing an existing loan
Rate-and-term refinancing for investment property debt.
Taking cash out of available equity
Business-purpose cash-out based on the property and requested loan.
Refinancing a maturing loan
Financing for an approaching balloon payment or loan maturity.
Houston Market
Houston Property Without Conventional Zoning
Houston has no conventional zoning, but that does not mean every use works on every site. Deed restrictions, plats, floodplain rules, parking, and building codes still shape a property. For an investor, the practical starting point is the building as it operates today—not a general assumption about Houston land use.
The lending opportunities are equally varied: houses and small rentals across established neighborhoods, apartment and mixed-use buildings closer to the urban core, and a large inventory of warehouse and industrial property tied to Houston’s logistics network. We finance purchases, refinances, cash-out requests, and maturing debt across those eligible property types.
Local property and financing
Rental, Multifamily, and Industrial Property Across Houston
Flood exposure changes materially from one Houston address to another, so insurance belongs in the ownership budget. It should not stop an investor from asking for terms: send the address and loan request first, then confirm property-specific coverage as the transaction moves forward.
A landlord holding a stabilized house may prefer 30-year rental financing. A warehouse owner facing a maturity or seeking cash out belongs in the commercial program. Apartment and mixed-use owners can request multifamily terms without a DSCR requirement or personal-income documentation.
Property Types
Investment Properties We Finance in Houston
Non-owner-occupied 1–4 unit rentals
Single-family homes, condominiums, and two- to four-unit properties held for investment.
Multifamily properties
Eligible apartment buildings with five or more units.
Mixed-use properties
Buildings combining residential and eligible commercial space.
Office and retail
Eligible investment office and retail buildings.
Industrial properties
Eligible warehouse, distribution, and light-industrial buildings.
Other eligible commercial property
Business-purpose investment property within current lending guidelines.
Insource Funding
Why Investors Work With Us
Direct Lender Since 2001
Work directly with the people reviewing and funding the loan. More than 6,000 transactions and $1 billion funded.
Asset-Based Underwriting
No DSCR, tax returns, or personal income verification.
Residential and Commercial Investment Properties
Rental, multifamily, mixed-use, office, retail, and industrial properties.
Example financing scenario
Cash-out refinance on a Houston warehouse
What We Need for an Initial Review
Send the property address, purchase price or estimated value, requested loan amount, property type, purchase or refinance purpose, current payoff for a refinance, rent information when applicable, and a short explanation of the financing need.
No DSCR, income or employment verification, tax returns, or minimum credit score is required.
Get a QuoteHouston sits inside our broader Texas investor lending coverage. Investors closing here also work with us on rental property loans, bridge financing, and mixed-use deals across the Texas market.
Insource Funding is a direct private lender headquartered at 433 Plaza Real, Suite 275, Boca Raton, Florida.
FAQ
Common Questions
Houston
Have a deal in Houston?
Send it over. We'll look at the property, the numbers, and the plan behind it, then give you a straight answer.