Broker, not a lenderHard Money Lenders inPlano, Texas
Fix and flip, bridge and purchase only, DSCR rental and new construction financing for Plano 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.
Prefer to talk it through? Call or text Micah at (281) 636-5682.
What you get working with us
Price a Plano deal right now
Prefilled with a realistic Plano deal. Change any number and it reprices instantly on the lanes licensed in Texas, using the same engine behind our term sheets.
Financing a deal in Plano
Plano is a mature suburb with no room left to build, which is exactly why it flips. The city is full, the housing stock east of Preston Road is 1960s to 1980s tract on big mature lots, and every buyer who wants the corporate campuses at Legacy West and a Plano ISD address has to buy a resale. Armstrong Park, Briarwood, Los Rios, Country Place and Hunters Glen are where the dated houses are, and that is where the flips are. West Plano is a different price tier and a different buyer.
The Plano deal is decided by which side of Preston Road you are on and whether the school assignment holds. East Plano is 1970s tract with buyers who work at the campuses and want a yard. West Plano is nearly double the price per house and the buyer expects a finish to match. Plano ISD is the reason people pay the premium, and enrollment has been falling with schools closing, so confirm the current attendance zone on the district’s map before you underwrite an exit that assumes a specific school. Some far-west addresses are Frisco ISD, which prices differently again.
What a Plano deal looks like on paper
Plano example: $320,000 purchase, $75,000 rehab, $520,000 after repair value, 730 credit, first flip. The engine puts that borrower on the Best Rate program at 9.49%. Think a 1970s tract house in Armstrong Park or Los Rios: kitchen, baths, floors, roof and slab piers. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.
- Down payment (15%)You$48,000
- Origination (0.5%)Lender$2,000
- Doc prepLender$749
- Broker fee (1%)Broker$3,470
- Title and closingTitle$4,050
- Prepaid interest (15 days)Lender$1,353
- Property insuranceInsurer$3,753
- AppraisalAppraiser$550
Interest while you rehab: $2,151 a month on the $272,000 funded at closing, $2,744 once every draw is out. Proof of funds is cash to close plus $18,750 of rehab reserve and $16,465 of interest reserve. Sample borrower, sample address; the sheet is issued by the same engine as the borrower’s instant term sheet.
What we can fund in Plano
| Program | Down payment | Min credit | Experience | Rate | Origination | Max loan | Term | Close |
|---|---|---|---|---|---|---|---|---|
| Best Rate | 15% | 700+ | First flip OK | 8.99% to 9.49% | 0.5% | 75% of ARV | 12 months | 14 days |
| New Investor Program | 12.5% | 700+ | First flip OK | 9.75% | 1% | 75% of ARV | 12 months | 72 hours |
| Best Value | 5% | 590+ | First flip OK | 9.99% to 12.99% | 2% | 75% of ARV | 12 months | 14 days |
| 5% Down, 3+ Flips1 | 5% | 600+ | 3+ completed flips | 11.00% to 12.00% | 2% | 75% of ARV | 12 months | 7-14 days |
| 5% Down, 5+ Flips2 | 5% | 660+ | 5+ completed flips | 9.99% to 10.99% | 2% | 75% of ARV | 9-24 months | 10-14 days |
| Lowest Down (100% financing) | 0% (100% financing) | 650+ | First flip OK | 11.75% | 3% | 70% of ARV | 12 months | 14 days |
| Fastest Close (3 days) | 10% | No minimum | First flip OK | 11.99% | 2% | 75% of ARV | 6 months | 72 hours |
- Origination steps down with experience: 1.5% at 5+ deals, 1% at 8+.
- 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 September 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.
What the Plano comps say
Redfin puts the Plano median sale price at $520,000 for the three months ending August 2026, about 1% above a year earlier, with homes going pending in 37 days. Zillow’s home value index for the city is $493,092, down 3.8% year over year. The east and central flip ZIPs sit well under the city number: 75074 at a $375,000 Redfin median, 75075 at $460,000 and 75023 at $465,000, against $849,000 in 75093 on the west side.
| Median sale price, Plano (Redfin, 3 months to Aug 2026) | $520,000 |
| Days on market, Plano (Redfin) | 37 |
| Zillow home value index, Plano (Aug 2026) | $493,092 |
| Median sale price, 75074 East Plano (Redfin) | $375,000 |
| Median sale price, 75075 Central Plano (Redfin) | $460,000 |
| Median sale price, 75023 North Central Plano (Redfin) | $465,000 |
| Median sale price, 75093 West Plano (Redfin) | $849,000 |
Sources: Redfin, Plano housing market · Zillow, Plano home values · Redfin, 75074 housing market · Community Impact, Plano ISD enrollment (2026-09-10) · City of Plano, multi-family rental registration
How a Plano file actually gets priced
Plano ARVs are among the easiest in Collin County to defend, because the tract subdivisions in 75074, 75023 and 75075 close a hundred or more sales a month and the floor plans repeat. The file gets repriced when an investor comps an Armstrong Park house against Willow Bend, or leans on a 75093 sale that skews the median with size. We set the number inside the subdivision, we use closed sales from the last 90 days, and on any pre-1990 house we want the foundation report in hand before the ARV is final, because Plano sits on some of the most expansive clay in North Texas.
Rowlett Creek, Spring Creek and the White Rock Creek watershed carry the flood zones here, and the 2024 Memorial Day storms flooded the Rowlett corridor and the Spring Creek Parkway crossing. West Plano is the least flood-prone part of the city. Foundation is the bigger everyday risk: Blackland clay under a 1970s slab means piers are common and the buyer’s inspector will look for them. Hail hits Collin County several times a year and the two percent deductible is standard. Permits run through the city’s eTRAKiT portal and the general contractor has to be registered with the city. Short-term rentals are banned citywide, so that exit is off the table.
Who buys your finished Plano deal
A finished east Plano house exits to a first-time or move-up family buyer who wants the school district and the commute, and that buyer is comparing it to the same floor plan in the next cul-de-sac, so the finish has to be right and the price has to be honest. Plano has no builder inventory of its own; the competition is a new house in Frisco or McKinney with incentives, which pulls some buyers north. Prices here fell over the last year, so the exit assumption needs a cushion. Rents are strong enough that the DSCR refinance works on a lot of 75074 and 75075 addresses, which makes the hold a real alternative when the resale margin is thin.
Your whole loan, in one portal
Apply once and the whole Plano 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.
What we fund in Plano
Fix & Flip
Purchase plus 100% of rehab, released in draws. The core product in Plano.
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.
Bridge & Purchase Only
For clean properties that need speed rather than rehab money. Auction buys, off-market deals, and 1031 timing.
New Construction
Ground-up for builders and infill developers, with a draw schedule matched to the build timeline.
Where we lend in Plano
We broker deals across the whole Plano market. These are the submarkets investors ask us about most:
From deal to funded
Send the deal
Address, purchase price, rehab budget and your ARV. Three minutes, no credit pull.
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.
Real terms back
Rate, origination, leverage and cash to close side by side, so you can compare on total cost.
Close
7 to 10 days typical. We stay on title and the lender through funding.
Plano hard money FAQ
Do you lend hard money in Plano?
Which fix and flip programs apply in Plano?
How fast can a Plano hard money loan close?
How much do I need to bring to close on a Plano flip?
Do you fund the rehab budget in Plano?
What credit score do I need for a Plano fix and flip loan?
Can I refinance a Plano flip into a rental loan?
Does the Plano ISD address still carry a premium?
Are Plano flips mostly foundation and cosmetics?
Before you sign anything
Ready to fund your Plano deal?
Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.