Hard Money Lenders in Arlington, TX | Capital Kings LLC
Capital Kings LLC · Non-QM Mortgage Broker

Hard Money Lenders inArlington, Texas

Fix and flip, bridge and purchase only, DSCR rental and new construction financing for Arlington investors. We do not lend our own money, we shop your deal across a 400+ lender network and come back with real terms you can compare on total cost.

Get a term sheet →Price an Arlington deal

Prefer to talk it through? Call or text Micah at (281) 636-5682.

Reviewed by Micah Foster, Founder & CEO, September 2026

Price an Arlington deal right now

Prefilled with a realistic Arlington deal. Change any number and it reprices on the programs that lend in Texas, with the same math as our term sheets.

Sizing your flip on the same terms as the term sheet. Get a real term sheet →

Financing a deal in Arlington

Arlington is a tract-house flip market, and that is what makes it clean. Most of the city was built between the late 1960s and the 1990s, the houses are slab ranches on quarter-acre lots, and the same floor plan sold four times last quarter on the next street over. The scope is cosmetic plus foundation, the comps are tight, and the buyer is a family working at GM, UT Arlington, Texas Health or one of the Entertainment District employers who wants to stay in the middle of the metroplex.

The Arlington deal is decided by two lines that do not show up on a listing photo: which school district the house feeds and which soil it sits on. South Arlington pockets zoned to Mansfield ISD price above otherwise identical houses zoned to Arlington ISD, and buyers know it. West of Cooper the ground is sandy Cross Timbers soil; east of it is Blackland clay, and the east-side slab is the one that needs piers. Central Arlington around Division Street and the older blocks near Pantego are pier-and-beam, which changes the budget and the inspection. Get those two answers before you write the offer and the rest of an Arlington flip is arithmetic.

What an Arlington deal looks like on paper

Arlington example: $215,000 purchase, $50,000 rehab, $350,000 after repair value, 700 credit, first flip. The engine puts that borrower on the Best Rate program at 9.49%. Think a 1970s slab ranch in east Arlington: piers, roof, kitchen, baths and paint, sold to a family buyer. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.

Loan amount$232,750
Cash to close$45,834
Proof of funds to show$70,378
Where the $45,834 goes
  • Down payment (15% of the purchase)You$32,250
  • Origination (0.5%)Lender$2,000
  • Lender fees (flat)Lender$1,989
  • Broker fee (1%)Broker$2,328
  • Title and closingTitle$3,486
  • Prepaid interest (15 days)Lender$713
  • Property insuranceInsurer$2,518
  • AppraisalAppraiser$550

Interest while you rehab: $1,445 a month on the $182,750 funded at closing, $1,841 once every draw is out. Proof of funds is cash to close plus $13,500 of rehab reserve and $11,044 of interest reserve. Sample borrower, sample address; the sheet is issued by the same engine as the borrower’s instant term sheet.

Fix and flip programs in Arlington

Swipe the table for rates, credit and terms →

ProgramDown paymentMin creditExperienceRateOriginationMax loanTermClose
Best Rate15% of purchase700+First flip OK8.99% to 9.49%0.5%70% of ARV12 months5-14 days
New Investor Program12.5% of purchase700+First flip OK9.75%1%75% of ARV12 months72 hours
First Flip, 10% Down110% of purchase + rehab660+First flip OK9.99%2%75% of ARV12 months21-30 days
Best Value5% of purchase590+First flip OK9.99% to 12.99%2%75% of ARV12 months5-14 days
7.5% Down, 3+ Flips27.5% of purchase + rehab660+3+ completed flips9.99%1.5%75% of ARV12 months21-30 days
5% Down, 5+ Flips35% of purchase660+5+ completed flips9.99% to 10.99%2%75% of ARV9-24 months10-14 days
Lowest Down (100% financing)0% (100% financing)No minimumFirst flip OK11.50%3%70% of ARV6 months5-14 days
Fastest Close (3 days)10% of purchaseNo minimumFirst flip OK11.99%2%75% of ARV6 months72 hours
  1. Rate 9.99% with 2% to 2.25% origination by credit; more origination buys the rate down as far as 8.99%. Loans under $150,000 add 0.5% to the rate and 0.5% to the origination, under $100,000 1.5% and 1%. Under 680 credit the loan caps at 87.5% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
  2. Rate 9.99% with 1.5% to 1.75% origination by credit; more origination buys the rate down as far as 8.99%. Loans under $150,000 add 0.5% to the rate and 0.5% to the origination, under $100,000 1.5% and 1%. Under 680 credit the loan caps at 90% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
  3. Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.

Origination has a $2,000 minimum on most programs (a few lenders set a higher one, noted above) and our broker fee is 1% with a $2,000 minimum and a $10,000 maximum. These are the numbers our term sheets use as of October 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.

Where Arlington prices sit right now

Before we price an Arlington flip, we look at where sales in the city sit today. Your block can run well above or below these numbers, so treat them as the starting point, not the answer.

Redfin puts the Arlington median sale price at $334,000 for the three months ending August 2026, about 1% above a year earlier, with homes going pending in 38 days. Zillow’s home value index for the city is $309,891. The east and south side flip ZIPs run under that: 76010 at a $256,000 Redfin median, 76014 at $275,000 and 76017, the highest-volume ZIP in the city, at $320,000.

Median sale price, Arlington (Redfin, 3 months to Aug 2026)$334,000
Days on market, Arlington (Redfin)38
Zillow home value index, Arlington (Aug 2026)$309,891
Median sale price, 76010 East Arlington (Redfin)$256,000
Median sale price, 76014 South Arlington (Redfin)$275,000
Median sale price, 76017 South Arlington (Redfin)$320,000

Sources: Redfin, Arlington housing market, Zillow, Arlington home values, Redfin, 76010 housing market, City of Arlington, Rush Creek FEMA remap, City of Arlington, short-term rentals (2026-02-24)

How an Arlington file actually gets priced

Arlington ARVs are the easiest in DFW to defend because the tract subdivisions in 76016, 76017 and 76018 close a hundred or more sales a month. The file gets repriced when someone reaches for a 76012 comp on a 76010 house, or comps a Mansfield ISD address against an Arlington ISD one. We set the ARV inside the subdivision and inside the attendance zone, we discount any comp that closed above list with a concession, and on the east side we want the foundation report in the file before the number is final.

Rush Creek is the flood name here. Tropical Storm Hermine put water in more than 250 structures in 2010, the city bought out an entire street in Woodland Park, and FEMA is remapping the Rush Creek corridor now, so a house near it may land in a zone it was not in before. Johnson Creek is fully built around and floods the same way. Hail is the insurance reality across Tarrant County: two percent deductibles and depreciated payouts on roofs past fifteen years, so price the roof. Permits run through Arlington Permits with a registered contractor, a fence rebuild over half a side needs one, and short-term rentals are only allowed in a small zone near the stadiums.

Who buys your finished Arlington deal

The finished Arlington house exits to a family buyer on a conventional or FHA loan in the 250-350 thousand band, and that buyer compares it to the identical plan two streets over, so overbuilding the finish is wasted money. Far south, 76001 and 76002, is where builders are active, and a resale flip there has to beat a new house with incentives. The UTA corridor exits as a rental as easily as a sale, and the medical and entertainment employers keep rents steady, so a DSCR refinance is a normal ending for a 76013 or 76010 flip.

What happens after you apply

Apply once and the whole Arlington loan lives in the borrower portal: the term sheet you can accept and sign in the browser, where the loan stands, one place for documents, and the list of what the lender is still waiting on. These are real screens from the portal.

Capital Kings borrower portal: Welcome to your file
Welcome to your fileSign in and the term sheet is waiting, with every fee and who it goes to.
Capital Kings borrower portal: Where the loan stands
Where the loan standsApplication, appraisal, title, underwriting, clear to close.
Capital Kings borrower portal: Run the deal again
Run the deal againThe analyzer priced off your real numbers, before and after the appraisal.
Capital Kings borrower portal: What the lender still needs
What the lender still needsEvery open condition, what clears it, and who it is waiting on.

The full walkthrough is on how it works, and you can tour the borrower portal before you apply.

What we fund in Arlington

Fix and flip

0%down on a first flip, purchase plus rehab under 70% of ARV
Rates
from 8.99% at 760+ credit
Max loan
up to 75% of ARV
Rehab
100% funded, paid in draws
Fix and flip loans in Texas →

Rental (DSCR)

7.00%rates from, 30-year fixed
Qualify on
the rent, no W-2s or tax returns
Down
from 20% at 700+ credit
Good for
buy-and-hold, and the refinance when a flip becomes a rental
DSCR loans in Texas →

Bridge and purchase only

12.5%down at 700+ credit, no rehab in the loan
Rates
from 9.75% at 680+ credit
Close
in 5-14 days
Good for
auction buys, off-market deals and 1031 timing
Purchase-only loans in Texas →

New construction

95%of cost with a financed interest reserve, after 1 completed build
Rates
from 8.49% with 5+ completed builds
First build
85% of cost with a GC who has 5+ builds
Builds
single family to small multifamily
New construction loans in Texas →

Where we lend in Arlington

We broker deals across the whole Arlington market. The submarkets investors ask us about most are East and Central Arlington (76010), UTA corridor and Downtown (76013), North Arlington (76011 / 76012), South Arlington (76014 / 76017), Southwest Arlington (76015 / 76016) and Far South Arlington (76001 / 76002 / 76018).

How long does a Arlington loan take to fund?

You send the address, purchase price, rehab budget and your ARV, which takes about five minutes and no credit pull. We take it to the lenders in our network that fit it and are licensed in Texas, and the rate, origination, leverage and cash to close come back side by side. 5-14 days to fund, as little as 72 hours on the fastest programs. We stay on title and the lender through funding.

Arlington hard money FAQ

Do you lend hard money in Arlington?
Yes. Capital Kings is a broker, not a direct lender, so we shop your Arlington scenario across a 400+ lender network and bring back real terms instead of one lender’s rate sheet. The programs on this page are the ones whose lenders are licensed in Texas, and the numbers come from the same engine that prices our instant term sheet.
Which fix and flip programs apply in Arlington?
As of October 2026: Best Rate (15% down, from 8.99%); New Investor Program (12.5% down, from 9.75%); First Flip, 10% Down (10% down, from 9.99%); Best Value (5% down, from 9.99%); 7.5% Down, 3+ Flips (7.5% down, from 9.99%, 3+ completed flips); 5% Down, 5+ Flips (5% down, from 9.99%, 5+ completed flips); Lowest Down (100% financing) (100% financing when purchase plus rehab fits under 70% of ARV, closing costs rolled in when there's room, from 11.50%); Fastest Close (3 days) (10% down, from 11.99%). Rehab is funded 100 percent in draws on every one of them, and we shop the file against the rest of the network before anything is signed.
How fast can an Arlington hard money loan close?
As little as 72 hours. Most Arlington fix and flip files fund in 5-14 days once the file is complete, and the 72-hour programs close that fast when title and insurance are ready. The First Flip, 10% Down program and the 7.5% Down, 3+ Flips program close in 21-30 days. The biggest delays are usually title issues or missing borrower documents, so getting those started early makes a big difference.
How much do I need to bring to close on an Arlington flip?
The worked example on this page is a $215,000 Arlington purchase with a $50,000 rehab and a $350,000 after repair value at 700 credit, first flip: $32,250 down (15% of the purchase) and $45,834 total cash to close, with $70,378 of proof of funds to show the lender. The lowest down payment for a first flip in Arlington is 0% down (100% financing) at 11.50% with 650+ credit (no credit minimum, priced per file below that), when purchase plus rehab fits under 70% of ARV, with the closing costs rolled into the loan when the whole loan stays under the cap, so a deal with the room brings no cash to closing. Rehab is funded 100 percent through draws in every case. Run your own numbers in the calculator above, or send us the deal and we will price it.
Do you fund the rehab budget in Arlington?
Yes, 100 percent of the rehab is funded, but it is a holdback released in draws rather than cash at closing. You pay for each phase, request a draw, an inspector verifies the work, and the lender reimburses. That means you need working capital to float the first phase, which is the single most common thing new investors miss on their first deal.
What credit score do I need for an Arlington fix and flip loan?
One Arlington program has no credit floor at all, it is priced on speed rather than credit. The lowest rate here, 8.99%, needs 760+ credit. Depending on the program, rates step down at 660, 700 and 760 credit and origination steps down at 700 and 740. Credit matters less here than on a conventional loan because the deal carries the file, but it moves your rate and your leverage, so know where you stand before you make offers.
Can I refinance an Arlington flip into a rental loan?
Yes. That is the BRRRR exit, and it is the most common way an Arlington flip becomes a hold. A DSCR loan qualifies on the property’s rental income rather than your W-2, so once the rehab is done and it is leased, you refinance out of the short-term hard money loan into 30-year financing. Worth deciding before you start, because it changes what finish level makes sense.
Does the school district change my Arlington ARV?
Yes, more than most investors expect. South Arlington addresses zoned to Mansfield ISD sell above the same house zoned to Arlington ISD, and a comp pulled across that line sets the number too high or too low. Confirm the attendance zone on the district’s own lookup before you set the ARV, not from the listing.
Is foundation work a given on an Arlington flip?
On the east side, usually. East of Cooper the houses sit on Blackland clay that shrinks and swells with the seasons, and slab piers are routine on 1970s and 1980s stock. West of Cooper the sandy Cross Timbers soil is kinder. Older central blocks near downtown and Pantego are pier-and-beam and need a re-level rather than piers. We want an engineer’s report before the ARV is final on anything built before 1990 on the east side.
Micah Foster
Micah Foster
Founder & CEO, Capital Kings LLC
Micah brokers Non-QM and hard money loans for real estate investors across 38 states from his base in Texas. He founded Capital Kings to give investors a broker who shops the market on their behalf instead of pitching one lender product.

What to read before you sign a term sheet

Hard money near Arlington: Fort Worth and Dallas. More Texas city guides: Austin, Corpus Christi, Cypress, El Paso, Frisco, Houston, Katy, Lubbock, McKinney, Plano, San Antonio, Spring and The Woodlands. Or see everything we fund in Texas.

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