Question 1

Do you lend in the College Station and Bryan area?

Accepted Answer

Yes, across the Brazos Valley. We're a direct lender headquartered in Bee Cave, Texas, and we fund deals in College Station, Bryan, Navasota, Caldwell, Brenham, Madisonville, Hearne, and Snook. 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 a College Station deal?

Accepted Answer

Same-day term sheet, and funding in as few as 5 to 7 days once title and insurance come together. Texas forecloses non-judicially under Property Code section 51.002: sales run the first Tuesday of the month between 10 a.m. and 4 p.m. at the county courthouse, with notice posted at least 21 days out. Distressed inventory in Brazos County moves on that fixed monthly calendar, and a bank timeline will not clear it. Closings go through a title company rather than a closing attorney. Apply now. Subject to underwriting.

Question 3

Did College Station's 'no more than four unrelated occupants' rule actually go away?

Accepted Answer

Yes, as of September 2025. Senate Bill 1567 stripped home-rule cities in counties with a large university campus of the power to cap occupancy by relationship status; a city may only regulate occupancy through objective space standards, such as square footage per sleeping room, and may not demand leases from brokers or property managers to enforce it. College Station's council repealed its old four-unrelated-occupants ordinance after the bill took effect. If you're underwriting a rent-by-the-room deal near campus, run the numbers on bedroom count and square footage, not the old headcount rule, and confirm the current code language before you close.

Question 4

What do I need to know about renting or short-term renting a property in College Station?

Accepted Answer

Register it, and if it's a short-term rental, permit it. Every non-owner-occupied dwelling of one to six units in College Station must be registered with the city, whether or not rent is charged: a one-time $90 fee per building, no annual renewal, but ownership or contact changes must be reported within 30 days, and an unregistered rental can accumulate penalties up to $100 a day. A short-term rental needs a separate city permit ($100 application, $100 inspection, $75 annual renewal) and monthly remittance of the city's 7% hotel occupancy tax, due the 20th. The demand driver is Kyle Field: capacity 102,733, the largest stadium in the SEC, with seven-plus home football weekends putting six-figure crowds into a metro of about 287,000.

Question 5

College Station or Bryan: where does the tax and cash-flow math favor an investor?

Accepted Answer

Often Bryan. On 2025 adopted rates, an investor property with no homestead exemption runs about 1.91% of value in College Station (county, city, and ISD combined) and about 1.99% in Bryan. But Bryan's mid-tier home value ran $277,011 in June 2026 against College Station's $349,845, a gap of about $73,000, while Zillow's rent index put Bryan within $20 a month of College Station rent ($1,428 versus $1,446). The lower basis plus near-parity rent is the cash-flow argument for Bryan; College Station carries the appreciation and demand story instead. Confirm the exact rate for a specific parcel with Brazos Central Appraisal District, since a handful of MUDs and a management district layer an extra levy on parts of the county.

College Station Hard Money and Investor Loans

A university that isn't going anywhere

Bryan is the basis play, College Station the demand play

The occupancy rule investors built around just changed

Loan programs in College Station

College Station lending questions

Funding College Station deals fast.