Real Estate Investors Across the U.S. Choose This Private Lender to Realize Their Potential

In a Nutshell: Private or hard-money real estate investment lending exists to accomplish what traditional banks and lending institutions can’t: being there, at the right time, with the necessary cash to get the right deal done. It sounds simple, but every investment home purchase involves a unique and potentially baffling combination of variables. It pays to work with experienced lenders, and that’s what thousands get at Tidal Loans. Our conversation with Tidal’s Kyle Farmer taught us that the Tidal team has hands-on experience to help you get from wherever you are in real estate to exactly where you want to go.

They say experience is the best teacher, but you can only afford to make a few mistakes in real estate investing — and none that are serious. You either learn by doing, potentially the hard way or look for partners to help move you along and support your ambitious goals.

That’s what the best private or hard-money real estate lenders offer: partnership with an experienced eye to assess your status as an investor, judge your project’s potential against the market and work with you to help you grow.

If you’re interested in flexible, affordable, short-term fix-and-flip or longer-term fix-and-hold financing from a team with decades of experience, consider working with Houston-based Tidal Loans.

Houston and the other large Texas metro areas are Tidal’s prime area of operation. However, it offers its entire private money loan portfolio — and can lend up to 100% of purchase and rehab costs — in Ohio, Florida, Georgia, Louisiana, and Tennessee in addition to Texas.

Tidal also lends nationwide, offering fix-and-flip loans, long-term rental property loans, and even loans for new construction to thousands looking for a secure future and a lasting nest egg through real estate investment.

We spoke with Tidal Account Executive Kyle Farmer about why this is such an exciting time for the industry. Residential home prices are beginning to wobble due to rising supply and a decline in demand.

Conditions seem ripe for a significant but still unrealized drop in mortgage interest rates. You’d have to be a real estate genius to factor those variables against the backdrop of daily local conditions and come out on the right side of every investment deal.

Farmer said you increase your prospects immensely when you work with lenders who have been on the other side of the table, as Tidal’s team has, with more than 50 years of combined experience.

“We’re a solid private lender for people looking for flexible and affordable fix-and-flip and fix-and-hold financing,” Farmer said. “Wherever you are on your investment journey, we can help you build your portfolio, position yourself for future growth, and gain long-term rewards.”

We’re all for that. Private lenders like Tidal are essential components of the real estate investment industry because they can move as quickly as investors need them to secure affordable funding on terms that promote rather than impede success.

Tidal’s proven track record and reputation for quick closings means it’s ideal for making your next real estate project a success.

“We’re big on answering the phone, but if we ever miss one, you can be sure you’re going to get a callback,” Farmer said. “From the first conversation, it’s all about assessing your project and goals and going from there.”

Investors looking to put money in a distressed fixer-upper are prime candidates for a Tidal fix-and-flip solution. The reason it works is because the team does immense amounts of due diligence work to assess the project in the context of the market.

Private lenders lend personal assets, not funds from depositors, so they’re as interested in the project’s success as the borrower. It’s in no one’s interest to put a property back on the market to repay a loan.

Farmer and his colleagues have your best interest at heart because your interests coincide. These private or hard-money loans are deals between individuals that happen outside the regulatory confines of banking.

As a form of short-term lending backed by the property itself, a hard money deal isn’t particularly concerned with credit scores or other aspects of personal finances but with the property’s after-repair value.

Essentially, the borrower’s interest pays for the expertise that enables Tidal to get to that number consistently. Tidal’s ability to fund 100% of purchase, rehab, and closing costs in many markets makes it a no-money-down lender.

“We’re not in the business to take properties back,” Farmer said. “We want to help people grow their portfolios and become successful.”

What if you don’t know what you’re doing? Though it may seem implausible to you as you’re reading this article that a borrower might put hundreds of thousands of dollars on the line without knowing what they’re getting into, it happens.

Farmer can tell stories from personal experience about borrowers who came to the team with fanciful expectations. Those include an easy road to funding and a quick payoff above market value after a simple reno project with no hitches.

They’re unfortunately under the influence of those home renovation shows on cable television, where the stars seem to align to produce a dream outcome every week for people who don’t seem to know much beyond the basics.

Farmer said it rarely happens that way in real life. The reality is that getting into a strategic flow with a real estate investment plan usually requires a lot of step-by-step experience and preparation.

Working with Tidal to take that first step assures you of your best chance at a positive outcome because Tidal won’t let you move forward if the timing and projected outcome aren’t right.

Farmer said folks at the beginning of their real estate investment journey — with no deals under their belt — may be better positioned to benefit from working with the industry pros at Tidal than those running multiple deals and operations like clockwork.

“We’ll help you come up with a game plan,” Farmer said. “We’re all pretty well versed in moving you from a dream to build lasting wealth to taking positive steps toward your goals.”

Whatever it takes to help you get there is fair game at Tidal. The team wants to work with financially healthy, responsible people who know how to manage their business. It looks for signs of inexperience or false expectations and works to rectify any areas of potential misunderstanding.

“Start small and learn as you go,” Farmer said. “Maybe you know a little bit, but watching HGTV isn’t going to give you the education.”

Tidal’s experience pays off for those who can match them with a favorable investment history and a record of successful deals. Things move quickly when interests align and time is of the essence. To make dealmaking at Tidal as streamlined as possible, the company promises no hidden fees and transparent pricing.

The team loves to build long-term borrower relationships and act as a consultant in creating an investment business capable of leaving a legacy. Farmer cautioned experienced prospective borrowers to expect complete due diligence rather than a quick loan signoff.

“We’re hard money and don’t look at income and employment, but your credit score still tells us something about who you are,” Farmer said. “We’re going to look at your history and assess your experience.”

It all adds up to an elite-level lender that puts the borrower’s aspirations for a better future at the forefront. At Tidal, borrowers expect high standards and know they’ll receive the best deal possible if they live up to them.

That increasingly includes ground-up construction as the real estate market continues its pattern of high prices, high interest, and low inventory. As rental real estate prospects continue to boom and more aspire to reap the investment benefits, Tidal stands ready with the flexibility, affordability, and industry connections in many markets to encourage your success.

“We all know the pain of going through a deal budget we thought was good and seeing it’s totally blown,” Farmer said. ” We want people to know what they’re getting into and what to expect.”

Coming back for more funding to take your investment business to the next level is the ultimate seal of approval for a job well done at Tidal. When things work as they should, the next step is always constructive. Tidal also works with brokers who pass its knowledge on to clients.

“If you’re brand new to the game, we can guide you along and give you that education piece,” Farmer said. “And as the market shifts, we’ll help you move along with it.”