Morgan Rockwood’s private lending residential loan program is designed for investors buying properties in need of repairs or need  quick cash-out on an investment property.  These loans can typically be closed within 10 business days or as quickly as we can get title work and an appraisal.

  • Property Types – All 1-4 unit properties considered
  • Loan Types – Rehabs, Cash-Outs, Purchases, Refinances & new construction
  • Markets – Houston, Austin, San Antonio and Dallas/Fort Worth, basically all of Texas
  • Loan Amounts – $150K-$5MM
  • Term – 3, 6, 12 months (to 2 years on special exceptions)
  • Amortization – Interest-only
  • Rate – TBD, typically 9%-13%
  • Fees – 1.5-5% (can be rolled into loan if LTV allows)
  • LTV – Up to 65-70%
  • Recourse – Yes


Morgan Rockwood’s private lending Commercial Loan program is designed for investors purchasing or refinancing commercial income producing properties that may not qualify for conventional or bank financing.  Commercial properties in need of improvements, low occupancies or in need of repositioning are typical for this loan program.

✔ Property Types – Apartments, Office, Retail, Office-Warehouse & Single-Tenant
✔ Market – Houston, Austin, San Antonio and Dallas/Fort Worth, Texas
✔ Loan Amounts – $250K-$5MM
✔ Term – 1-2 years
✔ Amortization –Interest-only
✔ Fees Upfront – Appraisal fee paid directly to the appraisal company

✔ Rate – 9-13%
✔ Fees – 2%-5% of the loan amount
✔ LTV – Up to 65%
✔ Recourse – Yes


Short term, interest only loans for real estate investors to purchase primarily single family residences or other income producing properties.  These are done on a case by case basis.  Morgan Rockwood is most aggressive when funding only the acquisition and not repairs.

Property Types

Morgan Rockwood will lend primarily on single family residences in Texas, but all types of income producing properties will be considered.

Loan Terms

Most loans are 3, 6, or 12 months in length and extensions are available under certain circumstances, for possibly up to 24 months. All loans will be interest only. Origination fees will be 1.5–5.0 %. The loan amount is a maximum of 65% loan to value (65% LTV). A mortgagee’s title policy must be purchased at closing. Holland Dutch Capital loans are first lien notes only.


Appraisal & Inspection

Morgan Rockwood’s appointed appraiser/inspector will inspect the property to determine marketable condition, AS-IS Value, and the After Repaired Value. These appraisals are required to be paid by the borrower in advance of closing.

Loan Funding

Morgan Rockwood is most aggressive when funding only the acquisition and not repairs.


✔ If the balance of the purchase price and closing cost is less than 70% of ARV less repairs, then no money will be needed to be brought to closing.
✔ LOAN DETAILS – $400.00 doc prep fee (estimate, third party fee)
✔ In most cases, there is no appraisal, survey, or any other fees.
✔ Fee will be reduced to 1%* if Morgan Rockwood does the hard money loan for your buyer.
✔ If the balance is less than your purchase price and other acquisition costs, you will need to bring funds to closing for the difference.

✔ Interest Rate – 8.99–14 %
✔ Origination –1.5–5.0 % ($2,500 Minimum)
✔ Appraisal – Approximately $450.00 up front (estimate, third party fee)
✔ Processing – $995.00
✔ Draw Inspection – $170.00 (estimate, third party fee)
✔ Documents Prep Fee – $400–$550.00 (estimate, third party fee)
✔ Flood Cert & Credit – $40.00 (estimate, third party fee