Ground-up construction loans for builders and investors developing new properties in Texas. Finance up to 85% of your land purchase and 85% of construction costs on a single loan. Rates from 10%, non-Dutch interest, and land doesn't need to be permitted to qualify. Loans $100K to $7.5M.
SLA Capital — a Sir Lends A Lot LLC Company
A new construction loan is short-term financing for building a property from the ground up. It typically covers land acquisition, vertical construction, and an interest reserve on a single loan, with construction funds disbursed via draws as the build progresses through inspection milestones. Once construction is complete, the loan is paid off through a sale of the finished property or refinanced into long-term financing.
Texas is one of the largest and most active rental investment markets in the United States. The state has no state income tax, landlord-friendly statutes (including a streamlined non-judicial eviction process), and continued population and job growth across major metros — all of which support strong rental demand.
Rental income and capital gains from Texas properties are not subject to state-level income tax. That's a real yield boost that compounds over the life of the hold.
Texas allows non-judicial eviction under standard lease breaches and typical timelines run 30–45 days from filing to writ of possession. No rent control at the state level.
Texas continues to lead the country in domestic migration inflow. Dallas-Fort Worth, Houston, Austin, and San Antonio have all seen sustained population and employment growth that supports rental demand.
Whether you're closing a single-asset SFR in a smaller Texas market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Greater Houston metro — including Sugar Land, The Woodlands, Katy, Pearland
DFW metroplex — Arlington, Plano, Frisco, McKinney, Denton, Irving
San Antonio–New Braunfels — plus Schertz, Cibolo, Universal City
Austin–Round Rock — including Cedar Park, Georgetown, Pflugerville
Border-market SFR and small-multi
Coastal SFR + long-term rentals
Central Texas secondary markets
Statewide coverage — send us any Texas property
Same nationwide program, no state-specific surcharges.
Up-front pricing on every loan. The rate you're quoted is the rate you close at — no surprises at the closing table.
Up to 85% of the land purchase price plus 85% of construction costs. High leverage that keeps your capital deployable.
Pay interest only on the funds you've actually drawn, not on the undrawn balance. Keeps carrying costs down during early build phases.
Choose the term that fits your build schedule. Straightforward extensions available on active projects.
Land does not need to be permitted or warranted before loan approval. Get under contract and permit in parallel.
From single infill lots to multi-unit projects across Texas. Same clean underwriting from starter builds up to $7.5M.
Yes. SLA Capital funds New Construction loans throughout Texas — Houston, Dallas–Fort Worth, San Antonio, Austin, El Paso, and every other TX metro. Rates from 10%, up to 85% land + 85% construction.
SLA Capital finances up to 85% of the land purchase plus 85% of construction costs in Texas. Loans range from $100,000 to $7,500,000.
No. SLA Capital does not require the land to be permitted or warranted before loan approval. Get under contract and start underwriting in parallel with permitting.
Non-Dutch interest — borrowers pay interest only on funds that have been drawn, not on the undrawn balance. This keeps carrying costs down during early build phases when most of the loan hasn't been disbursed yet.
Texas is one of the largest and most active rental investment markets in the United States. The state has no state income tax, landlord-friendly statutes (including a streamlined non-judicial eviction process), and continued population and job growth across major metros — all of which support strong rental demand.
Send us the property. Our sizer returns a real term sheet in minutes.
Long-term rental financing for Texas investors. Rates from 5.75%, up to 80% LTV, 3-month seasoning on cash-outs.
Short-term purchase + rehab financing across every Texas metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.