Hard Money Lenders in Corpus Christi, TX | Fix & Flip Loans | Capital Kings LLC
Broker, not a lender

Hard Money Lenders inCorpus Christi, Texas

Fix and flip, bridge and purchase only, DSCR rental and new construction financing for Corpus Christi 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 a Corpus Christi deal

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

Reviewed by Micah Foster, Founder & CEO · October 2026
How we work

What you get working with us

400+
Lenders we shop your deal across
72 hrs
To close at the fastest, 5-14 days typical
100%
Of rehab funded, released in draws
8.99%
Rates from, in Texas
Run the numbers

Price a Corpus Christi deal right now

Prefilled with a realistic Corpus Christi deal. Change any number and it reprices instantly on the lanes licensed in Texas, using the same engine behind our term sheets.

Enter your numbers to see the program, loan size and cash to close.
Get a real term sheet →Same math as our term sheet. No credit pull, nothing saved.
The market

Financing a deal in Corpus Christi

Corpus Christi is a Gulf port city with entry prices well under the big Texas metros and a buyer base built on the Navy, the refineries, the port and Texas A&M University Corpus Christi. Most flips are 1950s to 1970s brick and frame ranches in Midtown and on the Westside, bought from estates and long-time owners and finished for a first-time buyer. The Southside is newer and pricier, and the island is its own market of condos and second homes.

Two coastal rules decide a Corpus deal before the kitchen does. Every roof, window or door replaced here falls under the Texas windstorm program, so the work needs an inspection and a WPI-8 certificate of compliance or the next owner cannot keep wind coverage through TWIA, the state’s windstorm pool. Skip the certificate and your buyer’s insurance agent finds out at closing. The second is water. The city spent almost 600 days under Stage 3 drought rules before easing to Stage 2 in August 2026, and buyers and landscapers both noticed. Budget xeriscape rather than new sod, and know the water story when a buyer asks.

A real term sheet

What a Corpus Christi deal looks like on paper

Corpus Christi example: $140,000 purchase, $45,000 rehab, $245,000 after repair value, 730 credit, first flip. The engine puts that borrower on the Best Rate program at 9.49%. Picture a 1960s brick ranch in Midtown off Weber Road: new roof with its windstorm certificate, kitchen, baths, flooring and a cast iron drain line swapped for PVC. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.

Loan amount$164,000
Cash to close$33,083
Proof of funds to show$54,365
Where the $33,083 goes
  • Down payment (15% of the purchase)You$21,000
  • Origination (0.5%)Lender$2,000
  • Lender fees (flat)Lender$1,989
  • Broker fee (1%)Broker$2,000
  • Title and closingTitle$3,146
  • Prepaid interest (15 days)Lender$640
  • Property insuranceInsurer$1,758
  • AppraisalAppraiser$550

Interest while you rehab: $941 a month on the $119,000 funded at closing, $1,297 once every draw is out. Proof of funds is cash to close plus $13,500 of rehab reserve and $7,782 of interest reserve. Sample borrower, sample address; the sheet is issued by the same engine as the borrower’s instant term sheet.

Programs

What we can fund in Corpus Christi

ProgramDown paymentMin creditExperienceRateOriginationMax loanTermClose
Best Rate15%700+First flip OK8.99% to 9.49%0.5%70% of ARV12 months5-14 days
New Investor Program12.5%700+First flip OK9.75%1%75% of ARV12 months72 hours
First Flip, 10% Down110%660+First flip OK9.99%2%75% of ARV12 months21-30 days
7.5% Down, 3+ Flips27.5%660+3+ completed flips9.99%1.5%75% of ARV12 months21-30 days
5% Down, 3+ Flips35%600+3+ completed flips12.00%2%75% of ARV12 months7-14 days
5% Down, 5+ Flips45%660+5+ completed flips9.99% to 10.99%2%75% of ARV9-24 months10-14 days
Fastest Close (3 days)10%No minimumFirst flip OK11.99%2%75% of ARV6 months72 hours
  1. Rate 9.99% at 2 to 2.25 points by credit; buy down to 8.99%. Loans under $150,000 add 0.5% to the rate and half a point, under $100,000 1.5% and a point. 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% at 1.5 to 1.75 points by credit; buy down to 8.99%. Loans under $150,000 add 0.5% to the rate and half a point, under $100,000 1.5% and a point. 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 from 12%, set per file. Origination steps down with experience: 1.5% at 5+ deals, 1% at 8+.
  4. Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.

Origination has a $2,000 minimum on every program and the broker fee is 1% with a $2,000 minimum. These are the numbers the instant term sheet uses as of October 2026. Strong credit, cash and a track record can price lower through specific lenders in the network. The 5% down and 100% financing lanes are major-metro programs and are not shown for Corpus Christi.

What we check first

Where Corpus Christi prices sit right now

Before we price a Corpus Christi 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 Corpus Christi median sale price at $270,000 for the three months ending September 2026, down 0.25% from a year earlier, with homes selling after 68 days on market. Zillow’s average home value for the city is $222,115, up 0.6% over the past year. Midtown’s 78411 runs under the city number at a $202,000 Redfin median, selling in 37 days.

Median sale price, Corpus Christi (Redfin, 3 months to Sep 2026)$270,000
Days on market, Corpus Christi (Redfin)68
Zillow home value, Corpus Christi (Sep 2026)$222,115
Median sale price, 78411 Midtown (Redfin)$202,000
Days on market, 78411 (Redfin)37

Sources: Redfin, Corpus Christi housing market · Zillow, Corpus Christi home values · Redfin, 78411 housing market · TWIA, windstorm certification

Underwriting

How a Corpus Christi file actually gets priced

The Corpus file gets priced pocket by pocket, because the city is long and the price lines are sharp. A Southside comp off Saratoga will not carry a Westside house, and Midtown streets near Ocean Drive sell for more than streets near the crosstown expressway. We pull closed sales from the last 90 days inside the same pocket and the same vintage, we check whether the comp had a windstorm certificate on its roof, and on a slab from the 1960s we want a plumbing scope, because cast iron under the house is the line item that shows up after the tile is laid.

Hurricane exposure is the Corpus Christi insurance question. Nueces County is a designated catastrophe area, so TWIA writes the wind coverage, private carriers write the rest, and premiums plus a percentage wind deductible belong in your carry. Low streets near Oso Bay, the bayfront and Flour Bluff carry flood zones and surge risk; pull the FIRM panel before you write the offer. Salt air is hard on HVAC coils and exterior metal, and the clay under much of the city moves between drought and heavy rain, so cracks in brick veneer get a foundation look. Permits run through the city’s Development Services, and the windstorm inspection is a separate step from the city inspection.

The exit

Who buys your finished Corpus Christi deal

A finished Midtown or Westside house sells to a first-time buyer, often military from the Naval Air Station or the Army depot, a refinery worker or a nurse at one of the hospital systems, and plenty of them use FHA or VA. That means the house has to clear a government appraisal: working HVAC, sound roof with its certificate, no peeling paint on older stock. The Southside exit is a move-up family comparing your house to new builds farther south. Days on market run longer here than in the big metros, so plan the carry for it, and keep the rental math handy, because a DSCR refinance works on a lot of Corpus addresses.

After you apply

Your whole loan, in one portal

Apply once and the whole Corpus Christi 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.
What happens after you apply →Tour the borrower portal
Loan products

What we fund in Corpus Christi

Fix & Flip

Purchase plus 100% of rehab, released in draws. The core product in Corpus Christi.

15% down from 8.99% at 700+ credit · 10% down from 9.99% at 660+ credit

DSCR Rental

Qualifies on the property’s rent, not your W-2. The usual exit when a flip becomes a hold, and the long-term financing on a BRRRR.

30-year · no income docs

Bridge & Purchase Only

For clean properties that need speed rather than rehab money. Auction buys, off-market deals, and 1031 timing.

Close in 5-14 days

New Construction

Ground-up for builders and infill developers, with a draw schedule matched to the build timeline.

Land + build financing
Coverage

Where we lend in Corpus Christi

We broker deals across the whole Corpus Christi market. These are the submarkets investors ask us about most:

Midtown off Weber and Staples (78411 / 78412)Southside toward Saratoga (78413 / 78414)Flour Bluff near the Naval Air Station (78418)Calallen and Northwest (78410)Westside off Leopard and Baldwin (78415 / 78416)Padre and Mustang Island (78418)
Process

From deal to funded

01

Send the deal

Address, purchase price, rehab budget and your ARV. Three minutes, no credit pull.

02

We shop it

Your scenario goes to the lenders in our network that actually fit it and are licensed in Texas, not all 400 at once.

03

Real terms back

Rate, origination, leverage and cash to close side by side, so you can compare on total cost.

04

Close

5-14 days to fund, as little as 72 hours on the fastest programs. We stay on title and the lender through funding.

Questions

Corpus Christi hard money FAQ

Do you lend hard money in Corpus Christi?
Yes. Capital Kings is a broker, not a direct lender, so we shop your Corpus Christi 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 Corpus Christi?
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%); 7.5% Down, 3+ Flips (7.5% down, from 9.99%, 3+ completed flips); 5% Down, 3+ Flips (5% down, from 12.00%, 3+ completed flips); 5% Down, 5+ Flips (5% down, from 9.99%, 5+ completed flips); 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 a Corpus Christi hard money loan close?
As little as 72 hours. Most Corpus Christi 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 a Corpus Christi flip?
The worked example on this page is a $140,000 Corpus Christi purchase with a $45,000 rehab and a $245,000 after repair value at 730 credit, first flip: $21,000 down (15% of the purchase) and $33,083 total cash to close, with $54,365 of proof of funds to show the lender. The lowest down payment for a first flip in Corpus Christi is 10% down from 9.99% at 660+ credit. Investors with a track record can go to 5% down from 9.99% at 660+ credit with 5+ completed flips. 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 Corpus Christi?
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 a Corpus Christi fix and flip loan?
One Corpus Christi 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 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 a Corpus Christi flip into a rental loan?
Yes. That is the BRRRR exit, and it is the most common way a Corpus Christi 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.
Do I need a windstorm certificate on a Corpus Christi flip?
If you replace the roof, windows or exterior doors, yes. That work is inspected under the Texas Department of Insurance windstorm program and documented on a WPI-8, and without it your buyer may not be able to get or keep wind coverage through TWIA. Hire a roofer who handles the inspection, keep the certificate with the file, and hand it to the buyer’s agent with the disclosures.
What programs fit a Corpus Christi flip if the 5% down and 100% financing options are not shown?
Those two are big-metro options tied to Houston, Dallas-Fort Worth, Austin and San Antonio, so this page leaves them off. Here is what Corpus files can use, and the programs table above has every line: In Texas a first flip can be priced at 15% down with 700+ credit (from 8.99%), 12.5% down with 700+ credit (from 9.75%), 10% down with 660+ credit (from 9.99%) or 10% down with no credit minimum on the fastest-close program (from 11.99%). Programs that need completed flips: 7.5% down from 9.99% with 3+ flips and 5% down from 12.00% with 3+ flips or from 9.99% with 5+ flips. If the deal needs more leverage than that, send it anyway and we will shop it wider.
Who you are working with
Micah Foster
Founder & CEO
Micah Foster
Micah brokers Non-QM and hard money loans for real estate investors across 37 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.
Send Micah your Corpus Christi deal →
Keep reading

Before you sign anything

Hard Money
Points, fees & rate: how to compare hard money lenders
Read article →
Draws
How construction draws and the rehab holdback actually work
Read article →
Loan Cost
Dutch vs standard interest: what it really costs you
Read article →
Cash Needed
Cash to close on a flip: the number most investors miss
Read article →
Hard money in San Antonio →Hard money in Houston →All Texas coverage →

Ready to fund your Corpus Christi deal?

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