who we are
Build More Homes. Build Your Business.
We understand the realities of real estate investing. It’s fast-paced, competitive, and capital-intensive. Traditional lenders are often too slow or too rigid, which can cost you the deal. That’s why we operate differently.
Avondale is a private lender for investors who need straightforward terms, speed to close, and a team that understands the business. Whether you’re working on a ground-up build or navigating your next project, we give you the capital and confidence to move forward.
Loan Terms
- Loan size: $500,000 - $5 million
- Loan-to-Cost (LTC) up to 90-95%
- Loan-to-Value (LTV) up to 75%
- Property types: 1-4 single family residential
- Loan types: new construction
- Regions: Texas
- 18-month term for new construction
- First lien
- Interest-only
- 10-12% interest rate
- 1-2% origination fee
- No "junk fees" (doc prep, application, draws, wires)
- Close quickly in 5-10 days
We’re here to fund projects that traditional banks won’t touch. Our flexible structure makes us a go-to source for alternative real estate funding across Texas.
Borrower Requirements:
- Experience: three previously completed renovation or new construction projects
- Credit score of 650 or higher
- LLC documents
- Liquidity of at least $30,000
Loan Requirements
- Purchase contract
- Construction budget
- Builder’s Risk and Liability Insurance
- Architectural plans (new construction)
regions
Where We Lend
We focus exclusively on residential properties in the five largest Texas markets:
- Dallas
- Fort Worth
- Austin
- Houston
- San Antonio
Each of these regions has strong demand, high growth potential, and proven exit strategies for investors. Whether you’re building a spec home or need hard money loans for new construction, our Texas-first approach puts us exactly where the opportunity is.
How it works
Step 1
New Borrower Application
Start by filling out our no-cost New Borrower Application. We’ll review your real estate experience, credit history, and financials. Unlike a traditional bank, we do not ask for tax returns or proof of income. Our focus is on the deal and your ability to execute.
Step 2
Request A Loan
Once approved, you’ll move on to the Loan Request stage. This includes submitting the contract for the property, a detailed project budget, and your expected timeline.
Step 3
Receive A Term Sheet
We review your loan request and issue a custom term sheet outlining your loan amount, interest rate, fees, required down payment, and expected closing timeline. Our process is built to get you funded quickly so you can focus on the project, not the paperwork.
loan examples
Results From Our Loans
Since launch, we’ve funded over 750 loans and $450 million in capital across Texas. From entry-level infill builds to high-end residential development, our borrowers consistently come back because we get deals done. We fund investors who know how to build value and we help them do it consistently.
Taking the next step is easier than you think. Apply now, get pre-approved, and see how our private lending for real estate can help you close faster, build smarter, and grow your business with confidence.