Question 1

Do you lend in the Austin metro?

Accepted Answer

Yes. This is our home market. Our office is at 3821 Juniper Trace in Bee Cave, and we lend across the Austin area, including Austin, Lakeway, Cedar Park, Round Rock, Pflugerville, Dripping Springs, and Buda. Every loan is business-purpose only, on investment property, and terms are subject to underwriting. See loan programs or talk to us.

Question 2

How fast can you close on an Austin deal?

Accepted Answer

Same-day term sheet, and funding in as few as 5 to 7 days once title and insurance come together. That speed exists for a reason here. Texas forecloses non-judicially under Property Code section 51.002: sales run the first Tuesday of every month between 10 a.m. and 4 p.m. at the county courthouse, with notice posted at least 21 days out. Distressed inventory in Travis, Williamson, and Hays arrives on a fixed monthly calendar with a hard, short funding window, and a bank timeline will not clear it. Closings here go through a title or escrow company rather than a closing attorney, which is one less party to chase. Apply now. Subject to underwriting.

Question 3

What makes Austin different from other metros right now?

Accepted Answer

The exit is the hard part, not the entry. ATTOM ranked Austin the worst major U.S. metro for home-flipping return on investment in the first quarter of 2026, at a 2.0% gross ROI against a 25.4% national gross margin. That is resale price over purchase price, before rehab, financing, and carry, so on that measure the average Austin flip did not cover its own rehab. The core and the suburbs are also splitting: as of July 2026 the city of Austin median was down 1.4% year over year while the wider MSA median was up about 1%. None of that makes Austin unfundable. It makes your ARV, your marketing window, and your price-cut assumption the numbers we underwrite hardest.

Question 4

How should I budget property taxes and carry on an Austin investment property?

Accepted Answer

Higher than the seller's current bill, in most cases. Investment property gets neither the Texas homestead exemption nor the 10% annual homestead cap on appraised value, so a purchase that had been sitting under a capped homestead value can reset to market and the go-forward bill can jump. Combined all-entity rates commonly land around 1.78% to 2.10% in Travis County and 2.00% to 2.35% in Williamson, and MUD or PID districts in newer subdivisions push that higher, so the rate depends on the specific address. There is a 20% annual circuit-breaker cap on non-homestead appraised value, but it requires a full January-through-December ownership year, which means it never protects a flip held under a year, and it is authorized only through tax year 2026 unless the Legislature extends it. Insurance is the other line people underestimate: Texas premiums rose 21.1% in 2023, 18.7% in 2024, and 4.3% in 2025 on the state's own data. Talk to your CPA about your own tax position.

Question 5

Is the Austin rental market strong enough for a hold?

Accepted Answer

Soft today, and you should underwrite effective rent rather than asking rent. Metro apartment occupancy ran roughly 86% to 88% in June 2026, about 3 to 4 points below the national average, and 73% of metro apartment units were advertising a concession. A rent number pulled off a listing overstates what the property actually collects, and that is the most common way a DSCR file in this market breaks after closing. The other half of the picture: Austin metro building permits fell 29.5% year over year in March 2026, with multifamily down 69%, so the supply that is pressuring rents now is not being replaced at the same pace. See the DSCR program.

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