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Program 01

Fix and Flip in New Braunfels

New Braunfels fix and flip loans for purchase and rehab together.

We fund fix and flip investors 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. New Braunfels straddles Comal and Guadalupe counties, so your holding cost depends on which side of the line your parcel sits, and Comal County listings ran a median 77 days on market in July 2026 with more than a quarter carrying a price cut. Underwrite the exit on a real marketing period, not a hot-market assumption, and make your spread at purchase. Business-purpose loans only, and every structure is set in underwriting.

Fix and Flip in New Braunfels, 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
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*Typical terms, subject to underwriting and market conditions.

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Local FAQ

Fix and Flip in New Braunfels, answered.

How long should I budget to sell a New Braunfels flip?
Plan the exit past 90 days, not around a hot market. Comal County listings ran a median 77 days on market in July 2026, with 28.1% of active listings carrying a price cut, the longest days on market and the steepest year-over-year price decline (-6.2%) of the four counties in this corridor. Our fix and flip loan runs a 6-month interest-only term, so budget the rehab, the listing window, and room for at least one price reduction inside it rather than assuming a first-weekend contract. Run your numbers on the fix and flip calculator before you sign.

Sources: econdata.s3-us-west-2.amazonaws.com

What should I expect to pay in insurance while I hold a New Braunfels rehab?
Budget for hail, not hurricanes. This market sits well inland, outside the state's coastal wind pool, but wind and hail was the largest homeowners paid-loss peril in Comal County in 2025 at $305 per policy, part of $704 in total paid loss per policy. Comal's average homeowners premium ran $2,803 in 2025, about 20% below the Texas statewide average of $3,506. Ask the roof's age and material before you bind coverage, and read the wind and hail deductible on the quote rather than assuming it matches the dwelling deductible.

Sources: tdi.texas.gov

Do the numbers actually work on a New Braunfels flip right now?
Only if your spread is made at purchase, not at the sale. Texas posted a 5.6% gross ROI on flips in Q1 2026, against 25.4% nationally, and no flip-specific figure has been published for the San Antonio-New Braunfels metro itself, so treat any metro-level flip margin claim as unsourced. What we can source locally: a Seguin or Schertz flip sells into a rental market running 6.6% to 7.4% gross yield, which means a real investor buyer at the exit, one who may be financing the purchase with a DSCR rental loan of their own, while a Canyon Lake or Spring Branch flip (5.24% and 3.55% gross yield) is selling to an owner-occupant only. Know your buyer before you set your offer price. Apply now once you have the comps.
How much do I need to bring to a New Braunfels flip?
About 10% of the purchase, plus closing costs. We fund up to 90% of the purchase price and up to 100% of the rehab budget, capped to ARV. On a $300,000 New Braunfels purchase that is up to $270,000 from us and $30,000 from you (300,000 x 90% = 270,000), with the rehab drawn against the schedule instead of paid up front. Comal County listings ran a median 77 days on market in July 2026, so carry more months of holding cost than you think you need. Subject to underwriting.

Sources: econdata.s3-us-west-2.amazonaws.com

What credit score do I need for a fix and flip loan in New Braunfels?
There is no minimum score on this program. We run credit, but on an asset-based loan it carries far less weight than it would at a bank. The New Braunfels property, the rehab budget and the ARV do most of the work. Weaker credit is usually answered with lower leverage rather than a decline, so a thin file may bring more than 10% to the table. There is no hard credit pull to start. Subject to underwriting.
Is there a minimum loan size for a New Braunfels fix and flip loan?
Yes. We write from $100,000 to $5 million. Most of this corridor clears that floor without trouble, but a low-basis purchase can land under it, so check the number before you write the offer. The ceiling matters less here than the exit does: Texas posted a 5.6% gross ROI on flips in Q1 2026, so size the loan to a spread you made at purchase, not to the most we could lend. Subject to underwriting.
Can I get a fix and flip loan in New Braunfels if this is my first flip?
Yes. First-time flippers are welcome on this program. Experience is not a gate, and there is no minimum credit score on an asset-based loan. What we underwrite is the deal: purchase price, rehab budget and ARV. A first file typically gets a little less leverage than a repeat borrower's. Do the first one where the exit is honest, and remember that 28.1% of active Comal County listings carried a price cut in July 2026. Subject to underwriting.

Sources: econdata.s3-us-west-2.amazonaws.com

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

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Rental / 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
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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 2026-08-22.

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