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Austin Texas Fix and Flip Loans: 100% Financing Is Real
By Jason Taken · Principal, Jaken Finance Group
Austin Texas fix and flip loans with 100% financing — how qualified investors fund purchase and rehab with hard money in one of the best flip markets.
Austin Texas fix and flip loans with 100% financing sound too good to be true — so investors keep asking us if it’s real. It is. Jaken Finance Group funds 100% financing fix and flip deals in Austin all day, every day, and this quick video from the lending desk says exactly that.
Prefer the dedicated watch page for playback? Watch the video.
Yes — 100% financing on Austin flips is real
The Short is nine seconds long because the answer is that simple: 100% financing on fix and flip loans exists, and Austin, Texas is one of the markets where we deploy it constantly. For qualified borrowers on qualifying deals, the loan can cover 100% of the purchase price and 100% of the rehab budget — you bring closing costs and reserves, the lender brings the capital stack.
That structure is usually quoted as 100% LTC (loan-to-cost), capped by a percentage of the after-repair value. In practice it means an Austin investor who finds a genuinely discounted property does not have to drain their cash position to close it. The deal’s margin — purchase price plus rehab versus ARV — is what earns the leverage.
If you want the full program mechanics, we’ve broken them down in our 100% LTC fix and flip program details and the broader 100% financing overview.
Why Austin is an awesome flip market
The video calls Austin an “awesome market right here,” and the fundamentals back that up:
- Population and job growth. Austin remains one of the fastest-growing major metros in the country, anchored by tech relocations, the University of Texas, and state government employment. Demand for renovated housing stays deep across price points.
- Aging housing stock in prime locations. Neighborhoods like East Austin, Windsor Park, Crestview, and South Menchaca are full of 1950s–1980s homes on valuable lots — classic cosmetic-to-moderate rehab candidates with strong retail buyer demand on the resale.
- Suburban spillover. Round Rock, Pflugerville, Buda, Kyle, and Manor give flippers lower entry prices with the same buyer pool of relocating professionals who want move-in-ready homes.
- No state income tax and investor-friendly closings. Texas title and escrow processes move quickly, which matters when your lender can close in days, not months.
Fast-growing metros reward speed. When a wholesaler or listing agent sends you a deal at 70–75% of ARV all-in, the investor who can close in about a week wins the contract. That is exactly what hard money is built for.
How 100% fix and flip financing works in Texas
A typical Austin fix and flip hard money loan at maximum leverage looks like this:
- Purchase funding at closing. The loan covers the full purchase price, subject to the program’s ARV cap.
- Rehab funds in draws. Your renovation budget is held back and released as work is completed and inspected — roof, HVAC, kitchens, baths, finish-out.
- Interest-only payments during the hold, with fix and flip rates currently running 8.99%–13.5% depending on leverage, experience, and the deal profile.
- Exit through sale or refinance. Most Austin flips resell to retail buyers; some investors keep the property and refinance into a DSCR rental loan instead.
Underwriting is collateral-first: ARV supported by comps, a line-item rehab budget, a realistic timeline, and a credible exit. Credit is flexible — there’s no minimum FICO on select programs — but the lender still needs to believe you’ll perform.
What it takes to qualify at 100% leverage
100% financing is real, but it is not unconditional. Even at maximum leverage, expect underwriting to look for:
- A genuinely discounted deal. The margin lives in the purchase. If you’re buying at 90% of ARV, no leverage structure fixes that math.
- Liquidity and reserves. You still cover closing costs, carry costs between draws, and surprises. Zero dollars in the bank is a different conversation.
- A real scope of work. Line-item rehab budget with contractor pricing — not a single “$60K rehab” guess.
- A supported exit. Sold comps within the last few months, in the same submarket, at your target ARV.
Experience helps but is not always mandatory — newer investors can qualify with tighter numbers and stronger documentation. We covered the borrower-side requirements in depth in 100% fix and flip financing: what hard money lenders require.
Austin flip math: a quick example
Say you tie up a dated 3/2 in Windsor Park:
| Line item | Amount |
|---|---|
| Purchase price | $360,000 |
| Rehab budget | $75,000 |
| All-in cost | $435,000 |
| ARV (supported by comps) | $590,000 |
| All-in as % of ARV | ~74% |
At roughly 74% of ARV all-in, this is the profile where 100% of purchase and rehab can be financed for a qualified borrower. Your out-of-pocket is limited to closing costs, interest carry, and reserves — while the spread on the resale belongs to you.
Run your own numbers before you call any lender: purchase plus rehab plus carrying and selling costs, against a conservative ARV. If the margin holds, the leverage conversation gets easy.
Why speed matters more in Austin than almost anywhere
Austin’s investor market is competitive. Hedge funds, iBuyers, and experienced local flippers all chase the same distressed inventory. Sellers of off-market and wholesale deals routinely take a slightly lower offer from a buyer who can prove they’ll close fast.
A hard money pre-approval with 100% financing behind it lets you:
- Offer with short option periods and quick closes
- Compete against cash buyers without being one
- Scale to multiple simultaneous projects because your capital isn’t trapped in one deal
That’s the “all day, every day” part of the video — the investors doing volume in Austin aren’t self-funding each flip; they’re recycling lender capital and keeping their own cash as reserves.
In this video
- 0:00 — Yes, it’s real: 100% financing on Austin, Texas fix and flip loans, funded all day, every day
Full transcript
Yeah, it’s real. 100% financing. Awesome market right here, Austin, Texas. We’re doing them all day, every day. Check it out.
Fund your next Austin flip with 100% financing
Have a property under contract in Austin or the surrounding metro? Submit your fix-and-flip deal with the address, purchase price, rehab budget, and ARV — or tell us what kind of loan you need and a Jaken Finance Group lending specialist will walk you through leverage, terms, and timeline. Prefer to talk it through? Call (833) 264-7776.
Rates, terms and conditions offered only to qualified borrowers and are subject to change at any time without notice. Closing times are in business days and commence upon receipt of appraisal payment and satisfaction of borrower conditions. Closing times may be delayed due to appraiser property access. All loans are subject to full underwriting for loan approvals. Jaken Finance Group only finances non-owner occupied investment properties.
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