Why Texas works for AGS Lending Partners' 100% program
Texas is a non-judicial foreclosure state with a fast statutory timeline (typically 21 days from notice to sale), which is why our capital partners price Texas at the program's highest leverage tier — 100% loan-to-cost up to 70% of after-repair value. That means a qualified borrower can finance an entire Houston, Dallas, Austin, Fort Worth, or San Antonio flip with no down payment beyond closing costs.
Our flagship Velocity program funds 100% of (purchase + rehab) at 12.99% interest-only, 3.5 origination points, $2,500 processing, with no exit fee. For investors with stronger files, our Optimal program runs 9.25%–11.25% on matrix-derived leverage (typically 80–95% LTC) — a smaller down payment in exchange for a meaningfully lower rate.
Both programs operate across all 47 of our Texas-approved cities. Run your numbers below.
Run your Texas deal now
Calculator opens with Texas pre-selected. Add your purchase, rehab, and ARV — see both programs side by side in seconds.
Open Texas calculator →Texas approved-area cities (Velocity 100%)
Velocity (100% financing) requires the property to be in an approved-area city. Optimal works in any Texas city. The 47 Velocity-approved Texas cities are:
Property in a Texas city not listed? It still qualifies for the Optimal program — same calculator, just slightly less leverage.
Texas fix and flip loan FAQ
Are AGS Lending Partners' Texas fix and flip loans 100% financed?
Yes. Our Velocity program funds 100% of purchase plus rehab in Texas, up to a 70% ARV cap. You'll cover origination points (3.5%), $2,500 processing, and third-party closing costs (title insurance, hazard insurance, recording, etc.) at closing. No separate down payment is required.
What's the maximum loan size for a Texas fix and flip?
Velocity caps at $2.5M with first-time AGS borrowers limited to $1M. Optimal lends up to $3M. Most Texas single-family flips fall in the $200K–$800K range where both programs operate cleanly.
Does Texas's non-judicial foreclosure status affect my loan terms?
Yes — favorably. Non-judicial states like Texas allow our capital partners to apply higher ARLTV caps (75% on Optimal, vs 70% in judicial states like Florida). That translates to higher leverage on the same deal, particularly on Optimal where experience-tier matrix pricing is at play.
How fast can a Texas fix and flip loan close?
Typical close timeline is 10–14 business days from full application + documents in hand. Faster is possible with clean title, fast appraisal/BPO, and a pre-bound insurance policy. Submit your deal via the calculator's "Get your real quote" CTA and we'll lock you a closer within 24 hours.
Not in Texas? See the main calculator (works for all 12 active states), or read our full fix and flip program guide .