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Laredo Hard Money and Investor Loans

A municipal utility district can outweigh the entire city tax rate.

USA Mortgage funds investors across the Laredo metro. Laredo runs on freight, not just housing. Property tax bills vary by school district here. Business-purpose loans only, terms set in underwriting.

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The people underwriting your deal are the ones deciding on it.

Second Mortgage

A second mortgage on a Laredo rental, first mortgage untouched.

Keep your first mortgage and borrow against a Laredo rental in Webb County: $50K to $1M, up to 80% CLTV. Business purpose only, 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.

The largest land port in the country

Laredo handled 2,945,388 incoming truck crossings in 2025, 22.9% of every truck entering the US by land, more than double the next-busiest land port. It is 4.1 times the volume that crosses at McAllen's Hidalgo port.

A tax bill that depends on the school district

Laredo ISD and United ISD sit 43.5 cents per $100 apart in their adopted 2025 rates, about $960 a year on a $220,442 property. Add a municipal utility district and the stack can run higher still.

Inventory too thin to negotiate on price alone

Active listings ran 570 in July 2026 across a metro of 281,224 people, about 2.0 per 1,000 residents. Values still rose 2.5% year over year, so speed of funding, not haggling, is what wins a deal.

Loan programs in Laredo

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

Second Mortgage in LaredoFix and Flip in LaredoRental / DSCR in LaredoGround-Up Construction in LaredoCRE Bridge in LaredoTransactional Funding in LaredoBank Statement / No-Doc in LaredoConventional Investment in LaredoPortfolio Loans in LaredoCRE Permanent in LaredoSBA Financing in Laredo

Laredo lending questions

Do you lend across the Laredo metro?
Yes. We fund across Webb County and the surrounding freight corridor. That includes Laredo, Rio Bravo, El Cenizo, Zapata, Hebbronville, Cotulla, Freer, and Carrizo Springs. We are headquartered in Bee Cave, Texas, and every loan is business-purpose only, on investment property, with terms subject to underwriting. See how we lend across Texas or talk to us.
How much do property taxes change a Laredo rental deal?
More than a single blended rate suggests, because two otherwise identical parcels can carry very different bills. Webb County's TY2025 rate is 0.3825 per $100, and the City of Laredo adds 0.5061. School district is where it splits: Laredo ISD adopted 1.1568 per $100, United ISD adopted 0.7217, a 43.5-cent gap that runs about $960 a year on a $220,442 property. A city parcel in Laredo ISD stacks to roughly 2.31%; the same home in United ISD runs closer to 1.87%. Add a municipal utility district like Gateway MUD #1 or Webb County MUD #1, each levying 1.0000 per $100, and an unincorporated United ISD parcel can stack higher than a city parcel in the highest-tax school district. Investment property gets no homestead exemption and no 10% appraisal cap in Texas. Talk to your CPA or attorney about your specific parcel. See the DSCR program.

Sources: webbcountytx.gov

What should I check before buying land outside Laredo city limits?
Whether the lot has water and sewer, and whether it can even be sold. Webb County sits within 50 miles of the border, which makes it a Subchapter B county under Local Government Code chapter 232: selling a rural lot that lacks water and sewer service, or a bonded guarantee for it, is generally forbidden except by someone who resides on the lot. A subdivider must either install those services before final plat approval or post a financial guarantee tied to a stated completion date, the state's "build it or bond it" rule. Before funding anything outside Laredo city limits, confirm the lot sits on a recorded, approved plat, confirm actual water and sewer service rather than "available nearby," and run title deep enough to surface any contract-for-deed chain. We are a lender, not counsel: talk to your attorney about a specific parcel. See the ground-up construction program.

Sources: texasattorneygeneral.gov

Is Laredo a buyer's market for investors right now?
Values are rising, but there is very little to buy. Active listings sat at 570 in July 2026 across a metro of 281,224 people, about 2.0 listings per 1,000 residents, and median days on market stretched to 69. The mid-tier home value rose 2.5% year over year to $220,442 as of July 2026, a steady climb rather than a swing. That combination, rising values on thin inventory, means a well-underwritten offer that can close fast beats one that tries to negotiate hardest on price. Apply now. Subject to underwriting.
Why does it matter that you fund with your own capital in a market like Laredo?
Because the deals here move on speed, not negotiation room. Laredo handled 2,945,388 truck crossings in 2025, 22.9% of every truck entering the US by land, and that freight economy runs on relationships and fast decisions, not committee timelines. With only 570 active listings across the metro, sellers and brokers remember who actually closes. We underwrite and fund our own loans, so the person reviewing your deal is the one deciding on it. Apply now. Subject to underwriting.

Sources: data.bts.gov

Serving Laredo and nearby
LaredoRio BravoEl CenizoZapataHebbronvilleCotullaFreerCarrizo Springs
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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 2026-08-28.

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