Our real estate investor loan program allows you to borrow funds to acquire and renovate investment properties for resale or investment purposes. We recognize that the rapid availability of acquisition funds and the assurance of funds for renovation are keys to success.

  • Buy-fix-flip
  • Buy-fix-rent

Based on After Repair Value

The loan amount is based on the after repair value (ARV) as opposed to the purchase price. For an investor, this means less money out-of-pocket.

If a conventional lender offers 80% of the purchase price on a $100,000 house, it could cost $20,000 out-of-pocket before the cost of renovation. Add in rehab and closing costs, and it could be $40,000 total.

On the other hand, if the after repair value of the same house is $160,000, a private capital lender, like ISB Capital, could provide a loan for 70%, which would be $112,000. That loan would cover the purchase and a significant portion of the renovations, ultimately reducing out-of-pocket expenses.

Faster Closings

Real estate investors are very aware that time is of the essence when it comes to buying a good transaction. Unlike a conventional bank lender that can take 30 to 60 days to close a deal, we can get the deal done in as little as 10 days on the right property. Faster closings means faster access to the real estate property.

General Terms and Conditions

Loan Size: $50,000 to $500,000

Interest Rate: Call for current rates

Points: 2 – 4.5

Term: 3 – 9 Months

Amortization: Interest Only

Loan to Value: Up to 70% of ARV

The ISB Advantage

  • Financing for purchase and repairs
  • Easy application process
  • Competitive rates with interest-only payments
  • No prepayment penalties
  • In-house underwriting
  • Fast closings
  • Hassle-free repair funding

NOTE: Our loans are commercial loans used for business purposes only and not used for residential or personal purposes.


Application Packets for Real Estate Investor Loans

Houston Application

Dallas-Fort Worth Application

San Antonio and Austin Application

Loan Request Forms

Real Estate Investor Loans

Texas Department of Savings & Mortgage Lending

Recovery Fund Application Form