Our Lending Programs


Binary Investments was formed in 2008 and has funded thousands of loans since its inception. Our wealth of experience puts us in the unique position of being able to help investors through all aspects of each transaction. Whether your investment strategy is flipping, new construction development and or long-term rentals, Binary Investments is your best option for a hard money lender.

We are a direct private lender offering short-term acquisition and renovation capital to real estate investors for both residential and commercial assets. We operate in major metropolitan areas throughout Texas, most often Houston, Dallas/Fort Worth, San Antonio, Austin, and El Paso.

What We Fund



When you use a hard money commercial loan with Binary Investments, LLC to fund a commercial real estate project, you can pay for the cost of acquisition and cost of rehab all in one loan.



Residential Hard Money loans are based on the After Repaired Value (ARV) of the property and include funds for both purchase and rehab.

New Construction Development

New Construction Development

New construction loans for residential or commercial properties. For investors or builders with experience who are purchasing a lot or tearing down an existing home for new construction.

Foreign Nationals

Foreign Nationals

We offer the financing solutions  non-U.S. citizens need when they don’t qualify for conventional financing or when traditional lending is too expensive, time-consuming, or arduous.

Cash-out Refinance

Cash-out Refinance

You can receive refinancing for a variety of real estate investments, and the process is simple when you refinance with Binary Investments, LLC.

Land Deals

Land Deals

Our land loan program is for purchases and we have a cash-out loan program if you currently own a lot.

Get a Quote For Your Project


Binary Investments will fund all types of commercial investment properties.

We fund hard money loans secured by a variety of different commercial properties from retail and hospitality to large-scale multi-unit facilities.  As a direct hard money lender, we have the experience and capital to help borrowers that are looking for a purchase or refinance hard money loan.  We also work with real estate agents and mortgage brokers who are looking to help their clients secure a private money loan.  We are based in El Paso, Texas, and have helped thousands of clients as we are a premier Texas hard money lender.

  • Warehouses
  • Storage Facilities
  • RV Parks
  • Medical Offices
  • Retail Strip Centers
  • Apartment Complexes
  • Restaurants
  • Event Centers
  • Community living spaces
  • Office buildings
  • No minimum FICO score
  • Minimal paperwork
  • Direct lender
  • Foreclosure – OK
  • Foreign National – OK
  • Loan to value up to 75%
  • Terms up to 7 years


We fund hard money loans to a variety of different residential properties, from standard family homes to multi-unit projects.

As a premier direct hard money lender, we have the experience and capital to help borrowers looking to purchase property or refinance an existing hard money loan. We also work with real estate agents and hard money mortgage brokers who are looking to help their clients secure a private money loan.

Along with residential properties, we issue hard money loans for fix and flip projects as well. Whether you’re a seasoned house flipper or just beginning to remodel homes, hard money loans can get you started. Residential hard money loans are a great option for real estate investors looking to do a complete rehab of a home, a smaller remodeling job, or to buy and hold a property to diversify their real estate portfolio.

  • No minimum FICO score
  • Minimal paperwork
  • Direct lender
  • Foreclosure – OK
  • Foreign National – OK
  • Loan to value up to 75%
  • Terms up to 7 years
  • Single Family Residence
  • Condominium / Apartment
  • Duplex/ Triplex/ Quadruplex
  • Rehab, Remodel
  • Buy & Hold

New Development Construction

Ground Up Construction Loans

For non-owner occupied real estate investments

Binary Investments offers competitive financing for acquisition, development, and construction loans for builders and developers.

  • Up to 75% of Project- 100% development cost not to exceed 75% ARV
  • 12-24 Month Term – Interest Only
  • Loans from $100K to $3M
  •  Wide Texas Footprint
  • Fast approvals
  • Financing available for all types of commercial properties.
  • Minimum Experience – 2+ deals completed
  • Quick & Easy Draw Process
  • Fast Funding
  • Direct Lender

Foreign Nationals

Foreign National hard money loan programs help non-U.S. Citizens purchase and/or refinance property when traditional lenders wont. Our program is the lending solution for individuals who live outside the U.S. but would still like to invest in real estate. We offer opportunities for foreign investors to purchase or refinance investment real estate quickly with minimum documentation.

  • Loan Amounts: $50K – $2.5MM+
  • Property Type: Residential – Commercial – Multi-Family – Mixed Use
  • Loan-to-Value: Up to 75% LTV
  • Terms: 1 to 7 years with Balloon – Interest Only Payments
  • Occupancy: Owner Occupied and Non-Owner Occupied
  • Simple Underwriting Process
  • Property Valuation: BPO (Broker Price Opinion) required; Appraisal in some cases
  • Citizenship: Passport or Consulate ID Required
  • Social Security: IRS ITIN Required

Cash-out Refinance

Looking for long-term cash-out refinance loans for investment properties?

We’ve developed a program that allows buy and hold investors to cash out and refinance their investment properties. There is no “one size fits all” scenario, so we work to find you the best loan for your situation.  Our suite of refinance loans is as competitive as you’ll find in today’s market.

For real estate investors, quick access to financing is incredibly important. Our cash-out and refinance loan program is an attractive option for real estate investors looking to leverage the equity in their property to finance additional business activities.

Our expedited underwriting process and professional processing team boast an average close time of 10 days. While all deals are unique, Binary Investments, LLC typically lends up to 75% of the appraised value of the property for a refinance and cash out hard money loan.

  • Single Family Residences
  • Multi-Family Dwellings
  • Apartments
  • Commercial
  • Vacant or Rented Property
  • Mismanaged Rentals
  • Investors
  • Brokers
  • Realtors
  • Non-Occupant Borrowers
  • Contractors
  • Sub Contractors
  • Increase your cash flow to buy more properties.
  • Use hard money to rehab or renovate an investment home or commercial building.
  • Payoff an existing mortgage that may have a balloon payment due or has become delinquent.
  • Expand your business.
  • Pay off tax liens

Land Deals

While many lenders do not make loans on land, we continue to have access to funds for land loan transactions in the State of Texas. We have access to both private and institutional funds and can help with your land loan request on both small lots and large acreage, as well as improved and unimproved land. If the land you are looking to finance is located in Texas, give us a call to discuss your scenario.

  • Minimum loan amount: $50,000
  • No maximum loan amount.
  • All property types

Latest Projects

El Paso, TX

236 Cutlass Dr

Loan Amount = $100,000
Property Value = $150,000
Interest Rate = 9.5%
Monthly Payments = $767.11

Grand Praire, TX

2038 Clark Trail

Loan Amount = $133,000
Property Value = $190,000
Interest Rate = 9.99%
Monthly Payments = $1,674.78

San Antonio, TX

Purchase Price = $121k
Rehab – $25k
ARV – $230
Interest Rate -10.5%
Time to close – 1 Week
Cash to Closing – 5%

Contact Us

How can we help?

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(915) 799-9093