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El Paso Hard Money and Investor Loans

El Paso is a low-entry-basis, tight-supply market, not a migration story.

Fort Bliss and its housing allowance set the rent here. Taxes run high, and east-side utility districts higher. USA Mortgage funds investors across El Paso County. Business-purpose loans only, and every structure is set in underwriting.

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Second Mortgage

An El Paso rental second mortgage, first mortgage untouched.

Borrow against an El Paso County rental with a fixed-rate second lien, $50K to $1M up to 80% CLTV, first mortgage untouched. Subject to underwriting.

$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.

Fort Bliss is the economy

The installation generates $29.1 billion in economic output and supports 121,220 total jobs, with 30,288 active-duty troops and 185,499 military retirees, the largest retiree population of any Texas installation in the Comptroller's dataset. The 2026 BAH of $1,665 to $2,202 a month with dependents sits close to the metro's $1,772 single-family rent as of June 2026, so the tenant's housing budget is federally published a year ahead.

Lower-cost houses, high-cost tax rate

El Paso's mid-tier home value was $234,047 in June 2026, among the lowest of Texas's large metros, but the property tax stack runs about 2.64% of value in the city and can approach 3.3% in a far-east municipal utility district, versus roughly 2.0% in Killeen. Underwrite the tax line first here, before rehab budget or exit price.

One of the only Texas metros still rising

Home values and rents both rose in the year to June 2026 while Austin, Dallas, Houston, San Antonio, and Killeen all fell, and listings tightened rather than softened: active inventory down 15.4% and a rising median list price as of July 2026. Population is flat, so the story is scarce supply and low entry basis, not migration, and the Ciudad Juarez manufacturing shift toward data-center electronics is a documented tailwind with named tariff and trade-policy risks attached.

Loan programs in El Paso

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

Second Mortgage in El PasoFix and Flip in El PasoRental / DSCR in El PasoGround-Up Construction in El PasoCRE Bridge in El PasoTransactional Funding in El PasoBank Statement / No-Doc in El PasoConventional Investment in El PasoPortfolio Loans in El PasoCRE Permanent in El PasoSBA Financing in El Paso

El Paso lending questions

Do you lend in El Paso and around Fort Bliss?
Yes, across El Paso County. We are a Texas direct lender headquartered in Bee Cave, and we fund deals in El Paso, Socorro, Horizon City, Canutillo, San Elizario, Clint, Anthony, and Fabens. Every loan is business-purpose only, on investment property, and terms are subject to underwriting. See how we lend across Texas or talk to us.

Sources: files.zillowstatic.com

Why does Fort Bliss matter when you underwrite an El Paso rental?
Because a federal housing allowance sets the rent ceiling for a large share of the tenant pool. Fort Bliss generates $29.1 billion in economic output and supports 121,220 total jobs, with 30,288 active-duty troops and 185,499 military retirees using the installation, home to the 1st Armored Division. The 2026 Basic Allowance for Housing at Fort Bliss runs $1,665 to $2,202 a month with dependents across the enlisted and company-grade band, which brackets the metro's $1,772 single-family rent as of June 2026 with only modest room to spare. Underwrite to the paygrade of the likely tenant, not to a national rent-growth assumption. There is also a structural churn factor: under the federal Servicemembers Civil Relief Act (50 U.S.C. section 3955), a tenant with PCS or deployment orders can break a lease on 30 days notice with no early-termination charge, so model turnover into the pro forma. See the DSCR program. Subject to underwriting.

Sources: comptroller.texas.gov, fortblisshousing.com, law.cornell.edu

What will property taxes cost me on an El Paso investment property?
Budget roughly 2.6% of assessed value in the city, and closer to 3.3% in some far-east new-build subdivisions, with no homestead relief for an investor. The Texas Comptroller's 2025 tax rate tables put a City of El Paso, El Paso ISD stack at county 0.458889 plus hospital district 0.240892 plus community college 0.103563 plus city 0.759649 plus ISD 1.080700, which sums to about 2.64 per $100 of value. That is higher than many Texas metros because of the hospital district line. Check the parcel before you underwrite: the Paseo del Este municipal utility districts on the far east side run 0.62 to 0.80 per $100 on top of that stack, which can push a new-build lot to 3.3 per $100 or more. Talk to your CPA or tax advisor about your own position.

Sources: comptroller.texas.gov

Is El Paso's market actually rising, or is that a listing-price illusion?
Both things are true and they measure different things. Zillow's mid-tier home value for the El Paso MSA was $234,047 in June 2026, up 1.7% year over year, while every other large Texas metro, including Austin, Dallas, Houston, San Antonio, and Killeen, fell over the same period. Rents moved the same direction: $1,528 a month across all property types, up 2.6%. On the listing side, Realtor.com's July 2026 data shows a tightening market, not a booming one: active listings down 15.4% year over year, a median list price of $310,450, and only 10.9% of listings carrying a price cut. What it is not is a population boom: El Paso County's population was roughly flat at 877,858 in 2025, down slightly from 2024, with negative domestic migration. This is a scarce-supply and low-entry-basis story, not an in-migration story.

Sources: files.zillowstatic.com, econdata.s3-us-west-2.amazonaws.com, www2.census.gov

What is the Ciudad Juarez connection worth to an El Paso investor?
It is a real, documented driver, with named risks attached. Ciudad Juarez, directly across the Rio Grande with roughly 1.5 million people, lost about 57,500 maquiladora manufacturing jobs (down 18%) from 2023 to 2025 as plants shifted toward higher-value electronics for data centers rather than closing outright. Trade through the El Paso district was up 21.9% year over year as of May 2026, and named investments include a $1.5 billion Meta data center and a $150 million Wiwynn manufacturing facility in El Paso. The Dallas Fed also names the risks: uncertainty around the 2026 USMCA renegotiation, and new Mexican tariffs of 20% to 35% on imports from countries without a Mexican free-trade agreement, which raise maquiladora input costs. Weigh the opportunity and the risk together.

Sources: dallasfed.org

What credit score do I need to borrow on an El Paso investment property?
It depends on the program, and on the asset-based ones there is no minimum at all. We run credit on every file. On fix and flip, bridge, and construction loans it carries far less weight than it would at a bank, there is no minimum score, and weaker credit is usually answered with lower leverage rather than a decline. DSCR and bank statement files start at 640, conventional investment at 580, and transactional funding has no credit check at all. There is no hard credit pull to start. Subject to underwriting.
On the $234,047 El Paso mid-tier value, how much of the price is mine?
Between about 10% and 20% of the price, depending on the program. A fix and flip goes to 90% of the purchase price and 100% of the rehab budget, capped to ARV. DSCR and conventional investment loans go to 80% LTV, so on the metro mid-tier value of $234,047 that is about $187,238 financed and $46,809 from you (234,047 x 80% = 187,238). Then add the carry, because the El Paso tax stack runs about 2.64 per $100 of value in the city with no homestead relief for an investor. Subject to underwriting.

Sources: files.zillowstatic.com, comptroller.texas.gov

El Paso mid-tier values run $234,047. Will my loan clear your minimum?
Usually. The floor is $100,000 on most residential programs, and it matters in a metro with this entry basis. Fix and flip, DSCR, and bank statement loans all start at $100,000. Portfolio loans start at $500,000 across five or more properties, and SBA files start at $350,000. With a metro mid-tier value of $234,047 and lower valley submarkets well under it, deal size is a real gating question here. Subject to underwriting.

Sources: files.zillowstatic.com

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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 2026-08-13.

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