Brown Street Capital
Downtown El Paso skyline

Private & Hard-Money Lending for Real Estate Investors

Fast, Flexible Real Estate Loans

Close quickly on investment properties with transparent terms. Residential, commercial, cash-out refinance, and land real estate loans tailored to investors.

Start ApplicationTalk to a Loan Officer

Not a commitment to lend. All loans subject to underwriting and investor guidelines.

Typical closings in ~5–10 days*
Depending on deal, docs, title, and underwriting.
Up to 75%
LTV
No min FICO
Programs
$50k - $4M
Deal Specific

*Timing varies based on valuation, title, and conditions.

Transaction-Focused

We understand timelines, contracts, and what it takes to get deals closed.

Investor-Friendly

Experience with residential and commercial investment properties.

Local Market Insight

El Paso market knowledge that helps deals move with fewer surprises.

Loan Programs for Real Estate Investors

Direct private and hard-money lending for residential, commercial, cash out refinance, and land deals. Exact terms depend on the asset, leverage, experience, and exit strategy.

Residential Investment Loans

Private financing for non-owner-occupied 1–4 unit properties.

  • Single-family, condo, townhome, and 2–4 unit eligible
  • No minimum FICO stated; foreclosure considered case-by-case
  • Foreign national programs available.
Max Leverage
Up to ~90% of purchase or appraised value
Typical Term
Terms up to 10 years (program-based)
Rate Structure
Asset-based, property-specific pricing
Credit / Experience
No stated minimum (credit reviewed case-by-case)

Typical use: Investors acquiring or refinancing 1–4 unit rentals

Request Residential Terms

Commercial Real Estate Loans

Private capital for income-producing commercial properties across Texas.

  • Industrial, storage, retail, restaurants, and more
  • Apartment complexes, community living, and office buildings
  • Purchase, refinance, or cash-out scenarios
Max Leverage
Up to ~85% LTV (program & asset-based)
Typical Term
Terms up to 10 years
Rate Structure
Market-based, Loan driven
Credit / Experience
Flexible; Asset-based

Typical use: Investors needing speed or flexibility on commercial deals

Request Commercial Terms

Cash-Out Refinance Loans

Unlock equity from existing investments to fund your next move.

  • SFR, 2–4 unit, multifamily, and commercial properties
  • Vacant, tenant-occupied, or mismanaged rentals considered
  • Use proceeds for acquisitions, rehab, payoffs, or business expansion
Max Leverage
Up to ~75% of appraised value
Typical Term
Program-based; typically short to mid-term
Rate Structure
Market-based, equity and DSCR driven
Credit / Experience
Flexible; focus on collateral and exit

Typical use: Investors leveraging equity to scale their portfolio

See Cash-Out Options

Land Loans (Texas & New Mexico)

Private financing for improved and unimproved land throughout Texas.

  • Residential lots, commercial land, and acreage (small to large)
  • Improved and unimproved land considered
  • Flexible structures using private and institutional capital
Max Leverage
Program-based; up to ~70% of value
Typical Term
Deal-specific; typically short to mid-term
Rate Structure
11%-12%
Credit / Experience
Flexible; asset and business plan focused

Typical use: Investors acquiring or repositioning land in Texas

Request Land Loan Terms
All loans are subject to underwriting, appraisal, clear title, and investor guidelines. This is not a commitment to lend. Terms and programs may change without notice.
Program
Max Leverage
Typical Term
Documentation
  • Residential
    ≤ 85%
    ≤ 10-yr
    Asset-based
  • Commercial
    ≤ 80%
    ≤ 10-yr
    Asset-based
  • Cash-Out Refinance
    ≤ 75%
    ≤ 30-yr
    Asset-based
  • Land
    ≤ 70%
    Deal-specific
    Asset-based

Have a deal under contract? Get terms today.

Share the basics about your property and timeline. We’ll follow up with structure options, leverage, and next steps.

Start ApplicationTalk to a Loan Officer

FAQ

Common Questions

Quick answers to the questions we hear most often from investors and borrowers.

Many deals can close in 5–10 business days depending on title, valuation, and documentation. Timing varies by property type and complexity.

Terms vary by property type, leverage, borrower profile, and exit strategy.