RTX Ventures

REAL Texas Capital is a private money lending firm specializing in providing financing solutions for real estate investors. The firm focuses on various real estate investment strategies, including fix-and-flip projects, new construction loans, and bridge loans for rental rehabilitation (BRRRR strategy). They offer flexible funding options, covering up to 70% of the After Repair Value (ARV), up to 100% of the purchase price with cross-collateralization, and 100% of rehabilitation costs. REAL Texas Capital aims to facilitate quick closings, often within 10 business days, and prides itself on competitive rates and transparent processes for its clients.

The firm was established by partners Ricky Hux and Rusty Hruby, who bring extensive experience in the real estate sector. Their backgrounds encompass various roles as investors, builders, landlords, and private lenders. They founded REAL Texas Capital to invest their own capital and that of their investors, emphasizing conservative underwriting to achieve steady, predictable returns with significant downside protection. Their approach to private lending is likened to a "base hits win games" strategy, focusing on consistent, reliable outcomes.

REAL Texas Capital primarily lends on investment properties such as single-family residential (SFR) units, duplexes, triplexes, quads, and select small-balance commercial properties. The firm's lending activities are concentrated within Texas, serving key markets including Austin, San Antonio, Bryan/College Station, Dallas-Fort Worth (DFW) Metro Area, Houston, Boerne, San Benito, and Montgomery. They do not provide loans on a borrower's homestead or current residence, strictly focusing on commercial/business loans for investment purposes.

The firm positions itself as a long-term financial partner for real estate investors, offering direct access to decision-makers and a streamlined application and underwriting process. Their commitment to full transparency ensures borrowers understand all aspects of the loan process. REAL Texas Capital's expertise stems from its founders' hands-on experience in real estate investing, allowing them to understand and cater to the specific needs of their borrowers.