TX · Fort Worth
Bridge, Flip & Construction
Loans in Fort Worth, TX
Bridge, fix & flip, construction, renovation and DSCR loans for residential investment property in Fort Worth, $1M to $5M, term sheet in 24 to 48 hours. For US investors and foreign nationals on the same terms.
Passy Capital finances real estate investors who build, buy and renovate residential investment property in Fort Worth and Tarrant County: ground-up construction loans for spec homes, build-to-rent communities and small multifamily up to 9 units, bridge loans for land, acquisitions and cash-out, and DSCR loans to hold the finished rentals. Fix & flip and renovation loans are also available. Loans run from $1M to $5M, with a term sheet in 24-48 hours and closing in about two weeks on a clean file.
Fort Worth is its own market inside DFW, with its own county, appraisal district and permitting office. Most of what we finance here is new construction on the city's expanding edges toward Alliance, Benbrook and Burleson, where spec homes and rental communities are built; renovation of older houses near downtown and TCU is a smaller part. We size builds on cost and the exit, bridge loans on value and rentals on rent.
Investors based outside the US borrow on the same terms as Texas builders and operators. The loan is made to your US LLC and underwritten on the property, so no US credit history and no Social Security number are required. Business-purpose lending only, on non-owner-occupied property.
Fort Worth Market Highlights
DFW Build-to-Rent
About 3,700 build-to-rent units under construction in Dallas-Fort Worth in May 2026, the second-largest pipeline in the US (RealPage).
Edge Growth
Spec homes and build-to-rent communities are mostly built in new subdivisions on the north, west and south edges of the city.
MUD and PID Taxes
Newer subdivisions often sit in a municipal utility district or public improvement district, which adds to the carrying cost and the DSCR test.
Separate From Dallas
Tarrant County has its own appraisal district, courthouse and permitting, so Fort Worth comps and timelines are underwritten on their own.
Non-Judicial Foreclosure
Texas deeds of trust carry a power of sale, with first-Tuesday trustee sales after 21 days' notice.
Same Terms From Abroad
Foreign nationals borrow through a US LLC with no US credit history and no foreign-national premium.
Key Submarkets
Near Southside
Fairmount
TCU / Berkeley
Arlington Heights
Ridglea
Tanglewood
Alliance
Keller
North Richland Hills
Benbrook
Burleson
Aledo
Property Types We Finance
Spec Homes
Build-to-Rent
Single-Family
2-4 Units
Small Multifamily (5-9)
Condos & Townhomes
SFR Portfolios
Renovation Projects
Loan Programs
Bridge Loans
Buy, refinance or cash out an investment property, closing in about two weeks.
Construction
Ground-up spec homes and build-to-rent, with draws tied to milestones.
Renovation / Rehab
Rehab financing on 1-4 unit and small multifamily, drawn against completed work.
Fix & Flip
Purchase and rehab in one loan for 1-4 unit flips, closing in about two weeks.
DSCR / Rental
Long-term rental financing based on property cash flow.
How we finance Fort Worth deals
- Spec and build-to-rent on the growth edges. Ground-up construction up to 85% of cost for spec homes and build-to-rent communities of houses, duplexes and townhomes on the north, west and south edges of the city. Many of these lots sit in a municipal utility district or a public improvement district, and the extra tax or assessment goes into the underwriting.
- DSCR as the exit. Once a build-to-rent project or a renovated rental is leased, a DSCR loan up to 80% of value retires the construction or bridge loan and holds the property long term.
- Land, acquisition and cash-out bridge. Bridge loans up to 80% of value to buy lots or land in Tarrant County and the surrounding counties while plans, permits and utilities are finished, to close an acquisition that has to move fast, or to take cash out of land or a finished project until it sells or moves to DSCR.
- Renovations and flips, with a clear spread. Purchase and renovation in one loan, up to 90% of cost, for older single-family and 2-4 unit property near downtown and the university districts. ATTOM's Q2 2026 report put the typical flip in Dallas-Fort Worth at a 1.8% gross return, so we finance a flip only where recent MLS sold comps (Texas sale prices are not public record) leave a clear spread over all-in cost.
See all Texas markets on our Texas page, or what we fund.
Investing in Fort Worth from outside the US
If you are buying in Fort Worth from outside the United States, financing is usually where the process stalls: no Social Security number, no US credit history, and no retail bank willing to underwrite a foreigner. We lend to your US LLC instead, underwrite the property rather than a US profile you have no way to build, and charge no foreign-national premium for it.
Frequently asked questions
What do you finance in Fort Worth?
Mainly ground-up construction for spec homes, build-to-rent and small multifamily up to 9 units, bridge loans for land, acquisitions and cash-out, and DSCR loans for the hold. Fix & flip and renovation loans are also available. Loans run from $1M to $5M.
How much of a Fort Worth construction project can you finance?
Up to 85% of cost on ground-up construction, with draws released as work is completed and inspected. A bridge loan up to 80% of value can fund the land first, and a DSCR loan up to 80% of value holds the finished rentals.
Do you finance flips in Fort Worth?
Yes, up to 90% of cost, but DFW flip margins were thin in ATTOM's Q2 2026 report, so the deal needs a clear spread between all-in cost and recent sold comps.
Can a foreign national finance a Fort Worth build or rental?
Yes. The loan is made to your US LLC and underwritten on the property and the business plan, so a non-resident borrows on the same terms as a US investor, with no US credit history and no Social Security number required. You do not need to travel to the US to close.
How fast can a Fort Worth loan close?
Term sheets go out within 24-48 hours, and a clean file closes in about two weeks. The fee is 1-2% of the loan, paid at closing, with no upfront fees.
Learn More
How a Construction Loan Draw Schedule Works
How draws are requested, inspected and released during a spec or build-to-rent project.
Can I Refinance a Bridge Loan Into a DSCR Loan?
How a finished build or renovation moves from short-term financing to a long-term rental loan.
How to Set Up a US LLC as a Foreign Investor
The entity that holds the property and borrows, and how a non-resident forms one.
Other Cities in Texas
We also finance investors across other Texas markets.
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