30-Year Fixed Commercial Loans Texas — Beat the Bank on Rate & Term
Fully amortized 30-year commercial loans with no balloon payment — and on some programs, rates lower than what many banks offer.
DSCR qualification on rental income — no personal tax returns required.
All credit welcome. Foreign nationals OK. Same-day LOI. Direct lender since 1998.
You Don’t Have to Choose Between a Long Term and a Low Rate
Most borrowers assume private lenders are always more expensive than banks. That’s not true for all our programs. Some of our DSCR commercial loan programs offer rates competitive with or below what many banks charge — AND fully amortized 30-year terms with no balloon. Better rate. Longer term. No refinance risk at year 5 or 10.
Rates Lower Than Many Banks
On qualifying DSCR programs, your rate may be lower than what a bank offers — without the tax return requirements, the 90-day underwriting, or the committee approval process.
Fully Amortized — No Balloon
30-year full amortization means no balloon payment forcing you to refinance at year 5 or 10. Your payment stays stable and the loan pays off over time.
No Tax Returns Required
DSCR programs qualify on the property’s rental income — not your personal returns. Self-employed, W-2, or retired, it doesn’t matter.
All Credit Welcome
500 or 800+ — credit score is not the primary factor. Rental income and property value drive DSCR approval.
Foreign Nationals Welcome
International investors qualify on asset and income-based programs. No US credit history or tax returns required.
Same-Day LOI
Tell us about your property and we issue a letter of intent the same day — no months of underwriting before you know where you stand.
Who This Program Is Built For
If any of these describe you, call us — you may qualify for better terms than you expect.
Own income-producing commercial property and want a long-term fixed loan without a balloon
Self-employed with rental income — property cash flows but returns make income look low
Tired of refinancing every 5–10 years when your balloon comes due
Foreign national who wants long-term US commercial financing without US income docs
Any credit score — DSCR approval is driven by the property’s income, not your FICO
Broker with a client who needs a 30-year fixed commercial loan — we pay referral fees
Common Questions
What borrowers ask about 30-year fixed commercial loans.
Searching for a 30-year fixed commercial loan near me in Texas?
Yes — we’re a Texas direct lender closing long-term fixed commercial loans statewide since 1998. DSCR qualification, no tax returns, all credit welcome. Houston, Dallas, San Antonio, Austin, Fort Worth, and every Texas county. Same-day LOI, no upfront fees.
Can you really offer lower rates than a bank on a 30-year term?
On qualifying DSCR programs — yes. The reason is simple: DSCR loans are often securitized into bond markets, which can produce pricing competitive with or below bank portfolio rates. The difference is we don’t require the tax returns, the 90-day underwriting, or the personal income documentation a bank demands. Call us and we’ll run a side-by-side comparison with whatever bank quote you have.
What is a DSCR loan and how does it qualify me without tax returns?
DSCR stands for Debt Service Coverage Ratio. Instead of reviewing your personal income, we look at whether the property’s rental income covers the loan payment. If it does, you qualify — regardless of what your tax returns show. A DSCR above 1.0 means the property pays for itself. That’s the approval driver.
What property types qualify for a 30-year fixed?
Multifamily (5+ units), retail, office, industrial, mixed-use, and self-storage. The property needs to have rental income or qualified market rents. Call us with your property details and we’ll tell you if it qualifies for a long-term fixed program.
Get Your 30-Year Fixed Loan LOI Today
Tell us about your property — same-day letter of intent, no upfront fees.
Rates competitive with banks. No balloon. No tax returns. All credit welcome.