Direct private lending in most states
Call us anytime at 512-617-9400
Apply now
Program 02

Fix and Flip in Laredo

Fast fix and flip loans for a scarce-inventory Laredo market.

Built for the active flipper. We fund up to 90% of the purchase price and up to 100% of the rehab budget, capped to ARV, on a 6-month interest-only term. Laredo is a freight economy first and a housing market second, and listings here run scarce, so certainty of closing counts for more than a sharper offer. Business-purpose only, and every structure is set in underwriting.

Fix and Flip in Laredo, TX from USA Mortgage
90%
of purchase
100%
of rehab
Same day
term sheet
$5M
max loan

Typical figures, subject to underwriting and market conditions. Not a commitment to lend.

How it works

Draws are reimbursed quickly as work is completed, and a dedicated closer stays with your file from term sheet to payoff. You can get a term sheet the same day, and we typically fund within 48 hours of clear title, so most flips close in 5-7 days as soon as title and insurance come together.

Who it's for
Active fix and flip investors
First-time flippers welcome
Single-family and 1-4 units
Value-add and distressed buys
Auction and on-market deals
Typical terms
Loan amount$100K to $5M
Purchase leverageUp to 90% LTP
Rehab fundingUp to 100%
Term6 months
RateFrom 9.99%*
PaymentsInterest-only
Apply now

*Typical terms, subject to underwriting and market conditions.

Run your Fix and Flip numbers.

Pressure-test the deal in seconds with our free fix and flip calculator, no sign-up required.

Open the Fix and Flip calculator
More tools:BRRRRHard Money Cost
Local FAQ

Fix and Flip in Laredo, answered.

What actually gates a flip in Laredo: money or inventory?
Inventory. Webb County ran about 570 active listings in July 2026 for a metro of 281,224 people, roughly 2.0 listings per 1,000 residents against neighboring McAllen's 3.7, and the median time on market lengthened to 69 days from 59 a year earlier. Deal flow here is scarce and largely relationship-sourced. Speed of funding matters more than negotiating the last few thousand dollars off the purchase price, since the next comparable listing may not surface for weeks. We can turn a term sheet the same day and typically fund within 48 hours of clear title.
How does the Laredo ISD and United ISD tax split change my rehab carry?
By close to $960 a year on an otherwise identical property. Webb County's Truth in Taxation summary lists Laredo ISD's adopted TY2025 rate at 1.156800 per $100 of value against United ISD's 0.721655, a 43.5-cent spread driven mostly by Laredo ISD's higher debt rate. On the $220,442 metro mid-tier home value that is roughly $960 a year, or about half a month of rent, before you add city, county and college rates. There is no homestead exemption or 10% cap on an investment property, so the full spread lands on carrying costs every month of the rehab. Confirm which district a parcel sits in before you underwrite the hold.
Is there anything else in the tax stack besides the school district?
Yes, and a municipal utility district can matter more than the city rate. Stacking Webb County, Laredo College, the drainage district and either school district against city of Laredo rates runs from about 1.87% to 2.31% of value. But an unincorporated parcel inside Gateway MUD #1 or Webb County MUD #1 adds a full 1.000000 per $100 on top, which can push an otherwise lower-tax United ISD parcel above 2.36%, higher than a city parcel in the higher-cost school district. Ask whether a MUD applies to the specific lot before you price the deal.
Does Laredo carry the coastal windstorm insurance costs other Texas metros do?
No. Webb County sits well inland and is not one of the 14 first-tier coastal counties eligible for the Texas Windstorm Insurance Association, so a Laredo rehab is bought in the standard insurance market with no WPI-8 windstorm certificate requirement. That is a real underwriting advantage over Corpus Christi, Brownsville or Galveston, where a wind and hail policy is its own line item and its own inspection. Get an actual quote for the specific address; a county-average premium here is not reliably sourced, so we won't hand you a placeholder number.
How long does a City of Laredo rehab permit take?
We do not have a sourced timeline, and neither should you assume one. The City of Laredo's permit fee schedule, plan review timeline and impact fees were not available from a primary source as of this writing, and Texas has no statewide permit review clock to fall back on. Call the city's building department for the specific scope before you set your rehab schedule and your 6-month term against it, and price the delay into your hold rather than guessing.
I'm buying a rehab outside Laredo city limits. Does anything else apply?
Yes, and it can decide whether the deal closes at all. Webb County sits within 50 miles of the border, which makes it a Subchapter B county under Local Government Code chapter 232: the sale of 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, and a subdivider must "build it or bond it" before final plat approval. Before you fund a rehab on an unincorporated lot, confirm it sits on a recorded, approved plat, confirm actual water and sewer service rather than "available nearby," and run title deep enough to catch any contract-for-deed chain. This has nothing to do with a flip inside Laredo city limits, only lots outside them.

More Fix and Flip questions, answered on the program page

Resources

Guides for Fix and Flip

Fix and Flip · 6 min read
Fix and Flip Loan Requirements: What You Need to Get Funded
Read the guide
Strategy · 6 min read
Financing the BRRRR Method: Buy, Rehab, Rent, Refinance, Repeat
Read the guide
Fix and Flip · 5 min read
What Is ARV (After-Repair Value) and How Do You Calculate It?
Read the guide
Rates & Costs · 5 min read
Hard Money Loan Rates and Costs, Explained
Read the guide
Browse all guides
Compare

Fix and Flip vs. other options

Comparison
Hard Money vs Private Money
See the comparison
Comparison
Hard Money vs Conventional Loan
See the comparison
More in Laredo

Other programs in Laredo

Second MortgageKeep your first mortgageRental / DSCR30-yr fixed, DSCR from 0.75Ground-Up ConstructionUp to 70% LTV, most statesCRE BridgeUp to $10M, 24-36 moTransactional FundingSame-day double-close capitalBank Statement / No-DocNo tax returns requiredConventional InvestmentNon-owner-occupied investmentPortfolio LoansMultiple properties, one loanCRE PermanentLong-term agency & permSBA Financing7(a) & 504 placement
All Laredo loan programs
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.

Funding Laredo deals fast.

Get real terms, usually same day. No obligation, no hard credit pull to start.

Apply nowTalk to us