Texas rewards investors who do their homework. The foreclosure process is a non-judicial auction on a fixed monthly schedule, title and closing run through licensed title agents, and the land itself, from flood-prone coastal plains to expansive clay, shapes what a rehab or ground-up project really costs.
World's Fair Capital makes business purpose loans to real estate investors in Texas: fix and flip, DSCR rental, bridge and ground-up construction. This page covers the points that most often matter to a Texas investor, each checked against the statute or the agency that publishes it. It is general information, not legal or tax advice, and terms for any loan are set at underwriting.
Prepared by the WFC editorial team. Facts checked against the cited sources, last reviewed 2026-10-11.
Which describes you?
How a Texas loan works with us
- 1Start your application
Fill out a short application in our secure portal.
- 2Review the term sheet
We prepare a term sheet for you to review and e-sign.
- 3Underwriting
Our team works the file and sends a clear document checklist.
- 4Closing
We close and fund through the title or closing agent.
What investors should know about Texas
Non-judicial foreclosure
Texas foreclosures under a deed of trust use a power of sale, not a court case. The sale is a public auction held between 10 a.m. and 4 p.m. on the first Tuesday of a month, generally at the county courthouse, with at least 21 days' notice posted at the courthouse door, filed with the county clerk and mailed to each debtor by certified mail.
Source: Texas Property Code 51.002, checked 2026-10-11
Security instrument
The security instrument in Texas is a deed of trust, which carries the power of sale that makes non-judicial foreclosure possible.
Source: Texas Property Code 51.002, checked 2026-10-11
Title and closing
The Texas Department of Insurance sets the title insurance premium, and the premium covers the title search, examination and closing. Every title agent charges the same premium, but escrow fees and closing costs can vary from agent to agent.
Source: Texas Department of Insurance, title insurance FAQ, checked 2026-10-11
Homestead protection
The Texas Constitution protects a family's or single adult's homestead from forced sale for most debts, with listed exceptions, and treats home equity credit separately. Our loans are business purpose loans on investment property, not loans against a borrower's homestead.
Source: Texas Constitution, Article XVI, Section 50, checked 2026-10-11
What counts as a business loan
The Texas Finance Code defines a commercial loan as one made primarily for business, commercial, investment, agricultural or similar purposes, and excludes loans made primarily for personal, family or household use. We make business purpose loans only.
Source: Texas Finance Code 306.001, checked 2026-10-11
Flood history
The National Hurricane Center's report on Hurricane Harvey in 2017 records more than 60 inches of rain over southeastern Texas and more than 300,000 structures flooded. The Texas Water Development Board's State Flood Plan combines 15 regional flood plans to map where flooding is a risk.
Source: NOAA National Hurricane Center and Texas Water Development Board, checked 2026-10-11
Expansive clay soil
Texas's state soil, Houston Black, is a highly expansive clay that shrinks and swells with moisture and commonly limits building-site development. Foundation condition is a standard diligence item on Texas rehab and construction deals.
Source: Texas Water Development Board and USDA-NRCS, checked 2026-10-11
No state income tax
The Texas Comptroller states that Texas has no state income tax. Investors should still confirm property, franchise and federal tax treatment with their own advisor.
Source: Texas Comptroller, checked 2026-10-11
General information, not legal or tax advice. Confirm details with your own counsel or title agent.
For brokers
Placing a deal in Texas?
Your client stays your client. We work the deal with you, not around you.
Your compensation is written into the Letter of Intent your client reviews and e-signs, before underwriting begins.
Register in the portal to submit deals online, use program sheets and calculators, and track every file.
Questions on a Texas deal? Call 800-590-7911 (Mon–Fri 8:00 AM – 5:00 PM EST).
What to send for a first look
- Property address and type
- Purchase price, or current value on a refinance
- Loan amount requested and what it is for
- Rehab or construction budget, if any
- Current or expected rent on a rental
- The borrower's experience and estimated credit score
- Your timeline to close
Loan programs for Texas investors
- Hard Money Loans
- Fix & Flip Loans
- Rental / DSCR Loans
- Ground-Up Construction Loans
- Commercial Bridge Loans
- Multifamily Bridge Loans
- Small Balance Commercial Loans
- Foreign National Loans
- FlexCap Business Bridge Loans
Program availability varies by property and borrower. Business purpose loans only.
Have a deal in Texas?
Call 800-590-7911 (Mon–Fri 8:00 AM – 5:00 PM EST) or start online.
Nothing on this website constitutes a commitment, approval, or guarantee of financing.
Rates, fees, terms, timelines, and program descriptions are subject to change without notice.
Any investor-related or capital discussion is not an offer to sell, a solicitation to buy, or a recommendation of any security or investment product.