Private Capital for Real Estate Builders and Investors.
Fast, relationship-driven financing for ground-up construction, fix-and-flip, bridge, and DSCR rental loans across Texas and Florida.
Our Loan Products
Ground-Up Construction
Comprehensive financing for new home construction — from lot acquisition through completion. Up to 75% of lot purchase price, 100% of vertical construction costs, and 75% of after-completion value. Where the deal supports it, interest reserves and closing costs roll into the loan — minimizing or even eliminating cash-to-close. Streamlined application, draws typically funded in 24 to 72 hours, and closings in as little as 2 to 4 weeks.
Builders & Developers
Fix & Flip
Purchase-plus-rehab financing for residential investors. Up to 90% of purchase price, 100% of rehab costs, and 75% of after-repair value. Interest-only payments, no prepayment penalty, and 12-month terms with extensions available. Streamlined application, draws typically funded in 24 to 72 hours, and closings in as little as 7 to 14 days.
Rehab & Resale Investors
Short-Term Capital
Bridge
Short-term financing to carry properties through transitions — maturing construction and rehab loans, commercial balloon refinances, time-sensitive acquisitions, 1031 exchange timing, and cash-out against existing equity. 12 to 24-month terms, interest-only payments, and no prepayment penalties. Streamlined application and closings in as little as 7 to 14 days.
Investment Property Financing
DSCR Rental
Asset-based financing for non-owner-occupied investment properties — qualified on property cash flow rather than personal income. No tax returns, W-2s, or DTI calculations required. 30-year terms with no balloon payment, available on single-family rentals, small multifamily, and short-term rentals. Designed for investors scaling portfolios beyond conventional financing limits
About Lighthouse Lending
Lighthouse Lending provides private capital solutions for real estate builders and investors across Texas and Florida. Founded by Alfonso Barrera-Villarreal, the firm delivers ground-up construction, fix-and-flip, bridge, and DSCR rental financing — with the speed, flexibility, and structuring expertise serious investors need to execute on time-sensitive opportunities.
Alfonso has over a decade of experience in real estate finance, working with builders and investors from under $500,000 to multi-million-dollar construction projects. His approach emphasizes long-term client relationships — every financing decision is matched to the specific project, the specific borrower, and the specific goals. Clients return to Lighthouse Lending for their next project because they know the relationship extends beyond any single transaction. Get in Touch
Request a Quote
Every deal is different. Tell us about your project and we'll follow up within one business day. Or call (469) 813-7363 to speak with Alfonso directly.