Laredo Hard Money and Investor Loans

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.

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.

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.

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.

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.