Do you have equity in an investment property? We are local private lenders in Houston and specialize in helping our clients refinance, pull cash out, leverage its value, and close more deals! As local real estate investors we understand that sometimes the best deals are the ones that can't wait. In most cases we can close your deal in a week and have cash ready to go for your project.

We've eliminated hoops and hidden fees so you can worry about what matters most: Making money from your investment real estate. A hard money loan is a short-term, asset-based loan, that provides the funds for acquisition and repairs on investment properties. Finding reliable private lenders in Texas for your real estate investment properties can be difficult, at Tidal Loans, we make that process easy.

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Services

About Us Report

Our team has over 50 years of combined hands on experience investing in all aspects of real estate: from residential development, private money lending, property management and fix and flips. We have been in your shoes and we know what it takes to become successful real estate investors. At Tidal Loans we are local Houston hard money lenders, and take pride in helping investors achieve the American Dream.

How It Works Report

Our quick and easy application can be completed in less than 5 minutes. Our system is fully automated and notifies us immediately as soon as an application is completed. We strive to ensure that our clients are pursuing profitable investments. A Tidal Loan representative will contact you immediately to gather additional information to provide you the most accurate analysis of your prospective investment.

Loan Programs Report

At Tidal Loans, we understand to become a successful real estate investor, flexibility is important. That is why we provide a wide range of quick and easy residential hard money loan options. We have a proven success rate for closing quickly, and we're here to help make your next real estate project a success.

Rental Loans Report

Our Rental Loans program provides long-term financing for single family residential properties, multi-family properties, commercial properties and portfolios. Rental property loans are essential to building long term wealth through rental real estate. Tidal Loans mission is to provide our clients flexible, private real estate rental loans, allowing our clients to attain financial freedom through real estate investing.

Multifamily Bridge Loans Report

We understand the needs of investors throughout the investment lifecycle, from acquisition to renovation to stabilization. Our program consists of minimal down payment for multifamily apartment real estate investors looking for apartment rehab loans. We do not have a DSCR requirement for our multifamily rehab loans.

Reviews (10)

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Jaime Mariscal

Jan 12, 2022

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I had financing fall through with another lender and sought out Tidal Loans help for another loan. I had submitted roughly 6 different applications online and all but one (Tidal Loans) have reached out. Angela was able to get me a Term sheet less than 24 hours into the process.
Although they were not able to help, their professionalism and sense of urgency will have me coming back for all of my hard money loans. Angela, thank you so much for your help and I look forward to doing more business with you in the future.

Ashton Realty Llc

Dec 29, 2021

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My loan rep was Angela. Working with her was fantastic. Whenever we had any bumps in the road she was right there to help me get out of it, and speed my file along. Love this team!

Freedom Properties Llc

Dec 15, 2021

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Just closed on a short term rental refi with this group. What attracted me was the low rate and not needing to show tax returns. Was happy that when I got out of underwriting my rate did not change on me like it has with other lenders in my past experiences. Would definitely be using them for my next short term rental refi!

K. P.

Dec 14, 2021

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TERRIBLE is not the word. Wish I could give them -10 stars. I’m a very reasonable person but when you take 3 months to close a normal loan nothing fancy, I don’t know what to say. No idea where things are in the process. Doesn’t know ETA of when things will be completed. I just kept hearing (we are waiting for underwritten, waiting for underwriting.) They screwed up the entire loan docs right before closing had to redo it all. I mean maybe this was just a bad day for them but I honestly think they are brokering and not a direct lender like they say they are. NEVER WILL I USE OR RECOMMEND

Kevin Miles

Nov 17, 2021

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Completed a portfolio refinance with this company. First time using private financing usually go conventional. Went this route because I got a lower rate than my bank offered plus it was non recourse. Shelly and Chad were great!

Abel Muhammad

Nov 14, 2021

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Shelly Trotter was simply amazing to work with!
Her professionalism, sense of urgency, efficiency, and knowledge of the business truly speaks volumes regarding her passion and drive for this business.
Shelly is definitely an asset to the company! I will recommend anyone to Tidal Loans.
She made the process for me seamless.
I am looking forward to working with Shelly in the near future. Thank you for everything !

Eric Solus

Nov 12, 2021

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My name is Eric Almonte my experience with tidal has went from an ok experience to a great experience, once i started dealing with Chad. Chad was super helpful, he made sure my questions and concerns were met with answers and reassurance. when i was stressed out about closing not being on time Chad made sure i was a top priority and pushed me through underwriting quick in order to close on time. This being my first time doing a hard money deal im gald i had the opportunity to have chads support in this important phase in my investment career.

Maria Garcia Hernandez

Oct 28, 2021

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This company and it's staff, to include management is a joke! They jeopardize clients earnest money and they send approval letters of loans without verifying ANYTHING from a buyer! There is Staff that has experience in underwriting but aren't proactive to make sure they have everything they need from a client before handing an approval letter.
As a professional Realtor I would NEVER recommend this company or its staff to Tidal!!
Buyers, Do your research before using this company. And please be open to getting a second opinion from an other company.

Tlk Properties

Sep 02, 2021

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Had a awesome experience with Tidal Loans. Ray Sanchez was my account executive and did an amazing guiding thru my first deal as a real estate investor. Happy to have this first one under my belt, already on the hunt for the next:)

Gso Investments

Aug 30, 2021

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Just closed a 30 year refinance with Tidal Loans last week. My rep Ruth Martinez was awesome, communicated with me throughout the entire process. Very happy to lock up a 30 year fixed rate on my investment property while rates are low. Will definitely use them again for my next refi.