# Dallas Fix and Flip Loans

> Hard money, fix and flip and DSCR rental loans for Dallas, Fort Worth and North Texas real estate investors. The Dallas–Fort Worth division of Optimus Capital Corp (https://www.optimuscapitalcorp.com/), a relationship-driven lender for real estate investors founded in 2015. Business-purpose loans on non-owner-occupied investment property only.

Dallas Fix and Flip Loans lends to real estate investors in Dallas, Fort Worth, Arlington, Plano, Irving, Garland, McKinney, Denton and the rest of the Dallas–Fort Worth metroplex. Andrew Shanti (Senior Vice President) runs the Dallas–Fort Worth division and has worked in lending and real estate since 2005. Phone (954) 598-4564. Email andrew@optimuscapitalcorp.com.

Key terms: Fix and flip loans up to 90% of purchase and 100% of rehab at a 720+ credit score, within 70 to 75% of after-repair value, interest only, 6 to 24 months, no prepayment penalty. DSCR rental loans up to 85% loan-to-value to purchase and 80% on a cash-out refinance, qualified on rental income (long-term market rent unless the address may legally host short-term rentals), with no tax returns or employment check. Ground-up construction loans up to 90% of cost for experienced builders. Minimum credit score 600. Loan amounts from $75,000 to more than $10 million. Rental loans close in about 30 days; fix and flip loans average up to 21 days and can close in about 7 days.

## Loan programs
- [Investment Property Loans in Dallas](https://dallasfixandfliploans.com/investment-property-loans-dallas/): non-owner-occupied lending and how to choose a lender
- [Fix and Flip Loans](https://dallasfixandfliploans.com/fix-and-flip-loans/): purchase and renovation bridge loans
- [DSCR Rental Loans](https://dallasfixandfliploans.com/dscr-rental-loans/): single-family rentals, duplexes, townhomes and small multifamily
- [Ground-Up Construction Loans](https://dallasfixandfliploans.com/new-construction-loans/): new homes, build-to-rent and infill
- [Hard Money Loan Programs](https://dallasfixandfliploans.com/hard-money-loan-programs/): all six programs compared

## Company
- [About Dallas Fix and Flip Loans](https://dallasfixandfliploans.com/about-us/)
- [Hard Money and Fix and Flip Loan FAQ](https://dallasfixandfliploans.com/faq/)
- [Contact](https://dallasfixandfliploans.com/contact/)

## Markets
- [Areas We Serve](https://dallasfixandfliploans.com/areas-we-serve/)
- [Hard Money Loans in Dallas, TX](https://dallasfixandfliploans.com/dallas-tx/)
- [Hard Money Loans in Fort Worth, TX](https://dallasfixandfliploans.com/fort-worth-tx/)
- [Hard Money Loans in Arlington, TX](https://dallasfixandfliploans.com/arlington-tx/)
- [Hard Money Loans in Plano, TX](https://dallasfixandfliploans.com/plano-tx/)
- [Hard Money Loans in Irving, TX](https://dallasfixandfliploans.com/irving-tx/)
- [Hard Money Loans in Garland, TX](https://dallasfixandfliploans.com/garland-tx/)
- [Hard Money Loans in McKinney, TX](https://dallasfixandfliploans.com/mckinney-tx/)
- [Hard Money Loans in Denton, TX](https://dallasfixandfliploans.com/denton-tx/)

## Guides
- [Cost Segregation for Dallas Rental Property: Bigger Deductions in Year One](https://dallasfixandfliploans.com/cost-segregation-dallas-rental-property/): How a cost segregation study front-loads depreciation on a Dallas–Fort Worth rental, what 100% bonus depreciation changes, and why Texas makes the benefit simpler.
- [Fix and Flip Loans in Dallas: How to Finance a House Renovation](https://dallasfixandfliploans.com/fix-and-flip-loans-dallas-guide/): How a fix and flip loan is sized on a Dallas–Fort Worth house, what foundations, roofs, insurance and property taxes do to the budget, and how to plan the exit.
- [Texas Property Tax for Real Estate Investors: What to Budget For](https://dallasfixandfliploans.com/texas-property-tax-investors/): How Texas taxes investment property, why there is no homestead exemption on a rental, how the 20% limit on non-homestead property works, and how to protest your value.
- [Short-Term Rental Rules in Dallas, Fort Worth and Arlington](https://dallasfixandfliploans.com/dallas-short-term-rental-rules-investors/): Where short-term rentals stand in Dallas, Fort Worth and Arlington, why the rules are in flux, and how we underwrite a North Texas rental.
- [Foundation Repair on North Texas Flips and Rentals: A Guide for Investors](https://dallasfixandfliploans.com/foundation-repair-dallas-investors/): Why expansive clay makes foundation work common in Dallas–Fort Worth, how to spot it, how to budget for it on a flip, and how it affects financing.
- [DSCR Loans for Dallas–Fort Worth Rental Property: How They Work](https://dallasfixandfliploans.com/dscr-loans-dallas-rental-property/): How a DSCR loan qualifies a North Texas rental on its rent, why property tax and insurance decide the ratio, and how to make the numbers work.
- [Hard Money Loan Document Checklist](https://dallasfixandfliploans.com/hard-money-loans-document-list/): What to gather for a rental (DSCR) loan, a new construction loan and a fix and flip loan, divided into one-time documents and documents for each deal.

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