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Abilene Hard Money and Investor Loans

An AI data center moved the rent; underwrite what stays after it.

USA Mortgage funds investors across the Abilene metro. Dyess Air Force Base will host a new bomber. Three counties mean three tax offices. Business-purpose loans only, on non-owner-occupied investment property.

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You hear the decision from the same people who underwrote your deal.

Second Mortgage

A second mortgage on your Abilene rental, first mortgage kept.

A fixed-rate second lien on an Abilene-area rental, first mortgage left in place. $50K to $1M, up to 80% CLTV. Business purpose only.

$1M
max loan
80%
max CLTV
660
min FICO
3-4 weeks
to close

Typical terms, subject to underwriting and market conditions. Investment property and business purpose only. Not a commitment to lend.

Rents moved with the build

Zillow's September 2026 rent index reads $1,990, up 29.9% in a year, and city staff expect construction to run into early 2028. Underwrite to a rent that outlasts the build.

Three counties, three tax offices

The city of Abilene straddles Taylor and Jones counties, and Clyde and Baird sit in Callahan. Check the parcel's county and school district before you quote a tax stack.

The school district is the swing line

City of Abilene parcels in Taylor County ran 2.4583 per $100 in Wylie ISD in 2025 against 2.2664 in Abilene ISD, about $426 a year more on a $222,000 rental.

Loan programs in Abilene

Acquisition through exit, all funded or arranged by one lender.

Second Mortgage in AbileneFix and Flip in AbileneRental / DSCR in AbileneGround-Up Construction in AbileneCRE Bridge in AbileneTransactional Funding in AbileneBank Statement / No-Doc in AbileneConventional Investment in AbilenePortfolio Loans in AbileneCRE Permanent in AbileneSBA Financing in Abilene

Abilene lending questions

Do you lend in Abilene and the rest of the metro?
Yes, across Taylor, Jones and Callahan counties. We fund investors in Abilene, Tye, Merkel, Clyde, Baird, Hawley, Anson and Buffalo Gap. We are a direct, business-purpose lender headquartered in Bee Cave, Texas, and every loan here funds an investment property, never a primary residence. Apply now. Subject to underwriting.
What do property taxes look like on an Abilene rental?
About $2.27 per $100 of value in Abilene ISD and about $2.46 in Wylie ISD, with no homestead relief on an investment property. Those are the city's own published stacks for 2025: Taylor County at 0.5578, plus the City of Abilene at 0.7506, plus the school district, for 2.2664 and 2.4583. Wylie ISD runs 0.1919 per $100 higher, about $426 a year on a $222,000 rental (0.1919 / 100 x 222,000). The city sits in both Taylor and Jones counties, so confirm the parcel's county and school district on the appraisal record before you quote a stack. Talk to your CPA about your own position.

Sources: abilenetx.gov

What is pushing Abilene rents up, and will it last?
A data center construction workforce, which is temporary. Zillow's rent index read $1,990 for all home types in September 2026, up 29.9% from $1,542 a year earlier. City staff expect construction to continue into early 2028, and Oracle has cited about 1,000 long-term jobs once the center is complete against 9,000 construction jobs. Underwrite to a rent that survives the end of construction, not to this year's. See how we read cash flow on the DSCR program page.

Sources: files.zillowstatic.com, tpr.org, abilenetx.gov

What is the Abilene sale market doing right now?
Prices ran up, and sellers are now cutting. The Realtor.com median list price was $325,000 in September 2026, up 20.4% from $270,000 a year earlier, after a $340,000 peak in June. Listings carrying a price cut reached 194 of 465 active listings in September, up from 60 in February. Median days on market were 45, down from 58 a year earlier. Buy on current comps, not on the June peak.

Sources: fred.stlouisfed.org

Which county courthouse handles a recording or a distressed sale?
The county the parcel sits in, which is not always the one the mailing address suggests. The city of Abilene straddles Taylor and Jones counties, Anson and Hawley are in Jones, and Clyde and Baird are in Callahan. Texas trustee sales run on the first Tuesday of the month at the county courthouse, and in Taylor County the clerk says they are held in the southeast foyer and adjacent upper porch of the courthouse at 300 Oak St. in Abilene. Check the county on the parcel record first.

Sources: taylorcounty.texas.gov

Serving Abilene and nearby
AbileneTyeMerkelClydeBairdHawleyAnsonBuffalo Gap
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About the local figures on this page

Local rules move. Every tax rate, fee, ordinance and market figure here comes from a primary source and carries the date we read it, and we correct them as the rules change. Where a number is mid-change or we could not verify it, we say so rather than guess. Before you commit a budget, confirm anything that drives it with the city or county, and talk to your attorney or CPA on questions of law or tax.

Published by USA Mortgage Funding, LLC, NMLS #152588. Researched from primary sources by our team, drafted with AI assistance, and every figure checked against its source before publishing. Where an answer rests on a public record, that record is linked under it. Figures read on 2026-10-16.

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