Alternative (Real Estate) Investing
Safe
2x Guaranteed
Payments
Smart
Monthly Distributions
by 15th
Secure
Notes collateralized
by Texas Real Estate
Want to make your money work for you by investing in safe, secured, vetted, performing notes? Leave the work and due diligence to Texas Notes! We specialize in providing real estate investors with performing first lien real estate notes fully backed by Texas real estate.
Why Note Buyers Choose Texas Notes?
- Safe Investments: Each note comes with a double guarantee—the borrower's guarantee and our company guarantee. If a borrower misses a payment, Texas Notes steps in to ensure you receive your monthly distributions on time. Especially in the event of a foreclosure.
- Smart Returns: Enjoy guaranteed monthly distributions. In our six-plus years of operation, we’ve never been late, missed a payment, or a promised return. And our returns are not projected, they are guaranteed!
- Secure & Collateralized: Your investment is fully collateralized by Texas real estate in 1st lien position, giving you the peace of mind that your money is protected.
Private Lending
What It Is and Why Become One
Just like other Peer-to-Peer (P2P) platforms, Private Money Lending works on the same principle. It's all about one individual lending to another, bypassing the bureaucracy of large Wall Street government-backed banks. This puts you in control, enabling you to set the terms and secure profitable returns. With Private Money Lending, it's simple and direct - you call the shots. Experience the benefit-focused, straightforward approach to lending, and see how it can positively impact your financial growth.
At its heart, Private Money Lending ticked all the boxes for our Smart Investing criteria. While it may seem a little slow and meticulous, it offers unparalleled safety and minimal risk. How? Each of our investments is securely backed by tangible, local real estate, recorded in a prime 1st lien position.
What's more, the fruits of our investment are delivered monthly right into our hands. And if we ever want to check on our investment? A short drive is all it takes. The best part? At the conclusion of the loan term, we receive every single penny of our investment back! Talk about a win-win situation! Experience the power of smart investing with Private Money Lending - it truly is incredible!
Traditional mortgage lenders, bound by government and conventional banking regulations, often can't finance distressed property acquisition and renovation for real estate investment purposes, like house flipping. This gap in the market opens opportunities for private lenders to step in, providing much-needed financing solutions for real estate investors.

How Am I Protected?
Take a look and see how your protections compare to traditional Big Bank Lending
Traditional Big Bank Lending
Private Money Lending
Our Lending Process
See How Our 5-Step Process Works

We 1st Underwrite & Approve the Borrower based on their:
- Credit Score
- Income Amounts & Type
- Asset Amounts & Type
- Exit Strategy
- Experience Level
2nd we Underwrite & Approve the Property based on its:
- Location & Address
- Purchase Price
- Current As-Is Value
- Renovation Budget
- After Repair Value
We then verify all information via independent 3rd party verifications
- Guarantor - Credit, Income & Assets
- Onsite Property Evaluation
- Title Insurance
- Hazard (& Flood*) insurance
- Survey
4th Step is Funding -- this is where the magic happens.
- Details are Triple Checked
- Final Closing Documents are prepared & sent to Title
- The Title Company Verifies Their Accuracy & prepares HUD
- We Approve the HUD/Closing Statement
- Wire Is Sent & Released, we are funded!
Post Funding & Loan Servicing, this is what happens after the magic.
- Final Closing Documents Are Recorded At The County Courthouse
- We Retain All Original Documents
- Payments From Borrower Are Due on the 1st & Are Late on the 10th (no excuses)
- Rehab Funds Are Held in an Escrow Account
- Property Inspection is Completed Before the Release of Renovation Funds
Your Investment Determining Factors
A Few of Our Underwriting Factors. Among Many Others...
The Borrower
The Guarantor
- Their Credit Score
- Amount of their Liquid Assets
- What is their Exit Strategy?
- Amount & Type of their income
- Their Experience Level
- Contractor's are Vetted
The Property
The Collateral
- Address & Location
- Purchase Price
- Current As-Is Value
- Rehab Budget
- After Repair Value
- Loan To Value %
Your Money
The Investment
- Amount Invested
- Loan Term
- The Monthly ROI
- The Total ROI
- Closing Date
- 1st Lien Loans Only