Commercial Refinancing in Texas — What You Need to Know
Refinancing your commercial property in Texas can lower your rate, pull out equity, or switch from a short-term bridge loan to permanent financing. Here’s how each path works in 2026.
Reasons to Refinance
- Rate and term refi — lower your interest rate or extend the term
- Cash-out refi — pull equity to fund your next deal
- Bridge exit — pay off a hard money loan with DSCR or conventional
- Maturity refi — balloon payment coming due, need a new loan
Texas Commercial Refi Options 2026
| Program | Rate Range | Max LTV | Close Time |
|---|---|---|---|
| Stated Income Refi | 7.5%–10% | 75% | 14–21 days |
| DSCR Refi | 7%–9% | 75% | 21–30 days |
| Hard Money Refi | 10%–13% | 70% | 7–14 days |
| SBA 504 Refi | 6.5%–7.5% | 90% | 60–90 days |
| Conventional Bank | 6%–8% | 75–80% | 60–120 days |
Can I Cash-Out Refi Without Tax Returns?
Yes — through our stated income and DSCR programs. As long as the property has sufficient equity (typically 30–40% equity post-refi) and the cash flow supports the new payment, we can close a cash-out refi without W-2s or tax returns.
Get a refinance quote — same-day response, no credit pull.