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McAllen Edinburg Mission Brownsville Harlingen Laredo 956 · RGV
SERVING SOUTH TEXAS INVESTORS SINCE 2015

The Valley's
most trusted
private capital
connection

For over a decade, RGV Capital has connected South Texas real estate investors, developers, and business owners with the right hard money, DSCR, and private lenders — faster than any bank, and built for the way the Valley actually does deals.

$85M+ DEALS FACILITATED
10+ YEARS IN THE RGV
48h AVERAGE MATCH TIME
$0 UPFRONT COST
Get your lender match
FREE · NO HARD PULL · 2-HOUR RESPONSE
NO UPFRONT FEES · 100% CONFIDENTIAL · RGV-BASED TEAM
HARD MONEYFix & Flip Loans DSCRRental Property Loans BRIDGECommercial Financing PRIVATE CAPITALFlexible Terms NEW CONSTRUCTIONGround-Up Builds MULTIFAMILYInvestment Loans LANDDevelopment Funding HARD MONEYFix & Flip Loans DSCRRental Property Loans BRIDGECommercial Financing PRIVATE CAPITALFlexible Terms NEW CONSTRUCTIONGround-Up Builds MULTIFAMILYInvestment Loans LANDDevelopment Funding
"A decade of closed deals, trusted relationships, and a network that only the Valley's most established firm could build."
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DEALS CLOSED
0
LENDER PARTNERS
0
YEARS SERVING RGV
12+
CITIES COVERED
THE RGV DIFFERENCE

We know this market.
We live this market.

From fix & flips in McAllen to new construction in Edinburg — we've seen every deal type the Valley has to offer.

BEFORE AFTER +$40K PROFIT
PROGRAM 01
Fix & Flip
Hard money loans · Close in 7–14 days
6 PROPERTIES · $1 CASH FLOW OWNED NO W-2 REQUIRED
PROGRAM 02
DSCR Rental Loans
Qualify on rent · No income docs
GROUND-UP · DRAW SCHEDULE
PROGRAM 05
New Construction
Ground-up builds · Draw financing
McAllen · Edinburg · Brownsville
PROGRAM 03
Bridge & Commercial
RGV commercial · $250K–$10M+
RGV CAPITAL HARD MONEY DSCR LENDER PRIVATE CAPITAL BRIDGE LENDER CONST. LENDER YOU 30+ LENDER PARTNERS
PROGRAM 04
Private Capital
30+ lenders · Flexible terms
McAllen Edinburg Brownsville Mission RÍO GRANDE MEXICO ↓ TEXAS 956 ✦
OUR MARKET
Rio Grande Valley
McAllen · Edinburg · Brownsville · 956
BANK LOAN 30–45 DAYS... ⏳ HARD MONEY FUNDED DAY 3 DAY 7 DAY 14 CLOSE IN 7–14 DAYS vs. 30–45 days at a bank
SPEED ADVANTAGE
Close in 7–14 Days
Not 45. Speed wins deals in the RGV.
WHO WE SERVE

Built for RGV deal makers

Whether you're flipping a house in McAllen, developing land in Edinburg, or scaling a rental portfolio across the Valley — we know your deal type and we have the lender for it.

House flippers
Real estate investors
Land developers
Business owners
Landlords & portfolio holders
Commercial buyers
New construction builders
BRRRR investors
OUR LENDER NETWORK
All partners active
Hard money lendersCLOSE IN 7–14 DAYS
DSCR rental lendersNO W-2 NEEDED
Bridge loan lendersCOMMERCIAL OK
Private capital partnersFLEXIBLE TERMS
Construction lendersGROUND-UP BUILDS
HOW IT WORKS

From inquiry to funded — in days, not months

You don't need perfect credit or a W-2. You need a fundable deal and the right lender. We handle the rest.

01

Submit your deal

Fill out our 5-question intake form. No hard credit pull, no documents required to start. Takes 3 minutes.

02

AI qualifies & routes

Our system instantly scores your deal and routes it to lenders in our network who specialize in exactly your deal type.

03

Receive real term sheets

Within 24–48 hours you receive actual lender offers with real rates, points, and closing timelines.

04

Close with us in your corner

We coordinate with your lender, title company, and attorney through closing. You pay nothing until funded.

TYPICAL MATCH TIME
Under 48 hours
From form submission to lender introduction
HARD MONEY CLOSE TIME
7 – 14 days
Once lender receives full documentation
COST TO BORROWER
$0 upfront
We earn a referral fee from lenders at closing only
AVERAGE DEAL SIZE
$250K – $750K
We handle deals from $75K to $10M+
LOAN PROGRAMS

What we connect you to

We know every lender's criteria — loan size, credit minimums, property types, timelines. Your deal goes to the right source every time.

Apply free — no hard pull
MOST REQUESTED
Hard Money Loans
Short-term, asset-based financing for fix & flip, wholesale, and investment acquisitions. The deal is the collateral — not your tax returns.
Rates from 9 – 14%
1–3 origination points
Close in 7–14 business days
Up to 80% LTV · 100% rehab available
TRENDING IN RGV
DSCR Loans
Qualify on the property's rental income — not your personal income. No W-2. No tax returns. Built for landlords and growing portfolios.
No personal income docs
30-year fixed terms available
LLC / entity financing OK
Portfolio up to 20+ properties
COMMERCIAL
Bridge Loans
Short-term financing to bridge the gap for commercial, multifamily, and mixed-use acquisitions. Speed when the deal can't wait.
6–24 month terms
$250K – $5M+ deal sizes
Interest-only available
FLEXIBLE
Private Capital
Our network of private investors and family offices provides flexible capital for deals that banks and traditional lenders won't touch.
Terms negotiated per deal
Equity & debt structures
Unusual deals welcome
BUILDERS
New Construction
Ground-up construction financing with draw schedules that match your build progress. Spec homes, custom builds, and land development.
Lot + construction bundled
Draw-based disbursement
Spec and custom builds
LARGE DEALS
Commercial Bridge
Investor-grade financing for office, retail, industrial, and mixed-use properties. Stabilized and value-add acquisitions across South Texas.
Non-owner occupied
Value-add & repositioning OK
$500K – $10M+
AI-POWERED
LIVE AI · POWERED BY CLAUDE

Analyze your deal right now

Tell our AI about your deal and get an instant analysis — loan type recommendation, estimated terms, what lenders look for, and whether your deal is fundable. No sign-up. No phone call. Real answers in seconds.

YOUR DEAL DETAILS
🔨Fix & Flip
🏘️Buy & Hold
🏗️Construction
🏢Commercial
💰Refi / Cash Out
Not Sure
AI analysis is for informational purposes only. Not a loan commitment or financial advice. All loans subject to lender approval.
Your instant deal analysis
Fill in your deal details on the left and hit analyze. Our AI will review your situation and give you a real breakdown in seconds.
Recommended loan type
Estimated rate range
Deal fundability score
What lenders will ask you
Potential red flags
Recommended next steps
WHY RGV CAPITAL

What a decade of trust looks like

We didn't start yesterday. We've been in this market long enough to know every lender, every neighborhood, and every deal type the Valley throws at us.

01

Valley roots run deep

We're not a national platform that happens to cover South Texas. We live here. We know McAllen, Edinburg, Brownsville, Mission, Harlingen, and every market in between — the comps, the neighborhoods, the contractors, the title companies.

02

Zero cost to borrowers

You pay us nothing. Our referral fee is earned from the lender at closing — only when you get funded. If your deal doesn't close, we don't get paid. Our incentives are perfectly aligned with yours.

03

AI-powered speed

Our qualification system routes your deal to the right lenders in minutes — not days. Most borrowers have a verified lender match within 48 hours of submitting. Speed wins deals in the RGV market.

04

Pre-vetted lenders only

Every lender in our network has a proven track record of closing. We verify their term sheets, check their funding history, and confirm timelines before we introduce a single borrower.

05

Bilingual — hablamos español

We serve the entire RGV community. Full Spanish-language support available for all borrower communications, document review, and lender coordination. El Valle es nuestro hogar.

06

We stay until closing

Most brokers disappear after making the introduction. We stay in every deal — coordinating, following up, and pushing through every obstacle until funds hit and your deal closes.

CLIENT STORIES

RGV investors who've closed with us

"I had a flip in McAllen that every bank turned down. RGV Capital matched me with a hard money lender in 30 hours. We closed in 11 days. I walked away with $43,000 in profit."
RM
Roberto M.
FIX & FLIP INVESTOR · MCALLEN, TX
"Six rentals, needed to refinance under my LLC with no W-2 to show. They found me a DSCR lender who handled the whole thing. I'd been turned down by three banks before calling RGV Capital."
LV
Laura V.
RENTAL PORTFOLIO OWNER · EDINBURG, TX
"I was building spec homes and hit a funding wall mid-project. They connected me to a construction lender who understood the RGV market specifically. Saved the whole project."
JC
Jorge C.
DEVELOPER & BUILDER · HARLINGEN, TX
OUR MARKETS

Born and built in South Texas

We're not a national platform that happens to cover the Valley. We live here, we know the market, and we have lender relationships that understand RGV deal dynamics specifically.

McAllenEdinburgMissionBrownsvilleHarlingenWeslacoPharrSan JuanAlamoLaredoRio Grande CityRoma
SOUTH TEXAS SERVICE AREA · RIO GRANDE VALLEY
McAllen
Edinburg
Mission
Brownsville
Harlingen
Laredo
Weslaco
RÍO GRANDE · MEXICO ↓
12+
CITIES SERVED
956
AREA CODE PROUD
10yr
LOCAL PRESENCE
100%
VALLEY FOCUSED
GET STARTED

Submit your deal — it's free

Tell us about your deal and we'll match you to the right lender in our network. No obligation, no hard pull, no upfront cost.

No hard credit pull

We review your deal — not your credit score — to get started.

100% confidential

Your deal is never shared without your explicit written permission.

2-hour response

A real RGV-based team member reviews every submission same day.

Over a decade of results

500+ deals facilitated across the Rio Grande Valley since 2015.

Deal intake form
TAKES UNDER 3 MINUTES · NO DOCUMENTS REQUIRED
NO UPFRONT FEES · NO HARD CREDIT PULL · 100% CONFIDENTIAL

Ready to fund your
next RGV deal?

Join hundreds of South Texas investors who've stopped waiting on banks and started closing deals. Submit your deal in 3 minutes — our team handles the rest.

Get my free lender match
NO UPFRONT FEES · NO HARD CREDIT PULL · RGV-BASED TEAM
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RGV Capital AI
Online · Replies instantly
QUICK TOPICS
👋 Welcome to RGV Capital — South Texas's most trusted private funding connection firm.

I can answer questions about hard money, DSCR, bridge loans, or anything about funding your next deal. What can I help you with?