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New Jersey Real Estate Funding, Evolved.

I'm Flipping

Smart rehab capital starting at 8.99%. Fast bridge loans that move at the speed of opportunity.

I'm Buying

Construction loans starting at 9.99%. Funding aligned with your schedule, scope, and specs.

I'm Building

DSCR-based loans from 5.875%. Long-term rental strategies backed by reliable capital.

I'm Refinancing

Rates as low as 6.99%

Your Local Lender

Michael Clawson

Loan Officer, VP

  • 512-560-5660
  • Jarrod.Covey@ablfunding.com
Work With Matthew

Your Local Lender

Michael Clawson

Loan Officer, VP

  • 512-560-5660
  • Jarrod.Covey@ablfunding.com
Work With Matthew

Your Local Lender

Michael Clawson

Loan Officer, VP

  • 512-560-5660
  • Jarrod.Covey@ablfunding.com
Work With Matthew

REI Private Money Lending: Texas’s Future-Ready Capital Partner

At REI Private Money Lending, we’re transforming what private capital means for real estate investors in Texas. Our mission isn’t just to lend—it’s to accelerate your success with capital that’s intelligent, ethical, and engineered for today’s fast-moving markets.

With over $1B funded and partnerships spanning Dallas, Austin, Houston, San Antonio, and beyond, we combine tech-forward underwriting with human-level market insight to tailor every deal to your goals—not just your credit score.

Whether you’re scaling a BRRRR portfolio or flipping your next high-upside project, we offer:

  • AI-assisted underwriting for ultra-fast pre-approvals (24–48 hours)
  • Local valuation intelligence via on-the-ground appraisers and comps
  • Transparent loan terms with zero bait rates or buried fees
  • Draws and disbursements powered by real-time project tracking
  • Investor-aligned advising—we’ll tell you when a deal won’t fly

Q3 2024

Fix & Flip Loans

Fund up to 90% of purchase and 100% of rehab. Whether you're revitalizing in East Austin or flipping in Fort Worth, our data-enhanced appraisals, flexible draw schedules, and fast funding windows keep your project moving and your profits growing. Best For: Experienced rehabbers, licensed contractors, or first-time flippers with a solid team.

New Construction Loans

Texas’s low housing inventory = builder opportunity. Our loans fund up to 90% of land and 100% of build costs—with milestone-based draws and permits already factored into our risk model. Our analysts vet your comps, plans, and subcontractors to keep your build profitable and on track. Best For: Ground-up builders, spec developers, and investor-developer hybrids.

Long-Term Rental & BRRRR Loans

Our DSCR-based loans start at 5.875%, support up to 80% LTV, and offer 30-year fixed, ARM, and I/O options. With single and portfolio loans up to $6.25M, you can scale faster while keeping cash flow positive. Best For: Buy-and-hold investors, BRRRR strategists, and refinance-focused landlords.

Smarter Lending, Built on Clarity

We’re not the lender who overpromises or pushes risky leverage. At REI Private Money Lending, we believe in informed investing, and that means being upfront when a project doesn’t meet our standards—or your risk tolerance. Our “Investor Integrity Pledge”: No inflated ARVs No cookie-cutter terms No pressure funding No one-size-fits-all underwriting

When Hard Money Isn’t the Right Fit

We know our loans aren’t for everyone. If your project has a long runway, you’re rate-sensitive over speed, or prefer conventional bank financing, we’ll guide you there. Our goal isn’t just to fund deals—it’s to fund the right ones.Antonio, and beyond.

Median Sale Price

Feb. 2025
$

Median Days on Market

Feb. 2025
Days

Monthly Homes Sold

Feb. 2025

Homes Sold Above Listing Price

Feb. 2025
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Avg Fix & Flip Gross ROI

Q3 2024
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Avg Fix & Flip Gross Profit

Q3 2024
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Recently Funded

Check out some of our recent projects:
Property Purchase and Rehabilitation
$3,475,000
12 South Neighborhood, Nashville TN
Rehab + Addition + DADU + Pool
Land Purchase & New Construction
$2,525,000
Paramus, New Jersey
New Construction — Single Family
Property Purchase & Rehabilitation
$480,000
Glenside, Pennsylvania
Fix & Flip — Single Family
Property Purchase & Rehabilitation
$480,000
Glenside, Pennsylvania
Fix & Flip — Single Family
Refinance & New Construction
$2,315,000
Galloway, New Jersey
New Construction — Single Family Blanket
Cash Out Refinance & New Construction
$1,400,000
Cedar Hill, Texas
New Construction — Single Family
Property Purchase & Rehabilitation
$235,000
East Stroudsburg, PA
Fix & Flip — Single Family
Property New Construction
$1,020,000
Cedar Hill, Texas
New Construction — Single Family
Land Purchase & Property New Construction
$860,000
Centereach, New York
New Construction — Single Family Detached
Property Purchase & Rehabilitation
$429,000
Asheville, North Carolina
Fix & Flip — Single Family Detached
View More Recently Funded