Fast Funding needed for 2 Fix and Flips in Texas - 628 Middle Score

I’m looking for a direct lender (no brokers) who can move quickly on two fix-and-flip loans in Texas. Both files are time-sensitive, and I’m hoping to connect with someone who can work through a couple of credit/tax nuances.

Borrower Profile

• Credit Score: 628

• IRS Tax Situation: Client owes $50k, currently finalizing an IRS payment plan of $200/month for 72 months. The official IRS letter confirming the plan is expected next week.

• Experience: borrower is a General Contractor with ~5 years of hands-on fix & flip and renovation experience.

• Down Payment: looking to put 20% down on both acquisitions.

Deal #1 — Needs to Close by 12/12

• Purchase Price: $250,000

• Rehab: $210,000

• ARV: $800,000

• Clear scope of work and comps ready.

Deal #2 — Needs to Close by 12/18

• Purchase Price: $235,000

• Rehab: $50,000

• ARV: $400,000

If you’re a direct lender actively funding in Texas and can work with the borrower’s profile (mid-600s credit + IRS payment plan), please reach out. Speed is critical on both closings.

Happy to share full packages, SOW, comps, and docs immediately.