Commercial Refinance Texas — No Tax Returns Required
Rate & term refinance or cash-out — no income verification, all credit welcome.
DSCR programs qualify on rental income alone. Some programs beat banks on both rate and term with up to 30-year fixed amortization.
Hard money programs approve on the asset — no tax returns, no credit minimum. Direct lender since 1998.
Refinance Your Commercial Property Without a Bank’s Rules
Banks require 2 years of returns, clean credit, and months of underwriting just to tell you no. If you own commercial real estate in Texas with equity, we have programs built for you.
No Tax Returns Required
DSCR programs qualify on the property’s rental income. Stated income programs require no income docs. Hard money approves on equity alone.
All Credit Welcome
500 or 800+ — bad credit, past bankruptcy, foreclosure. Equity and property value drive approval on most programs.
Beat the Bank — Rate & Term
Some programs offer rates lower than many banks AND 30-year fully amortized terms. No balloon, no short-term callability. Better than what a bank offers on both fronts.
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.
Foreign Nationals Welcome
Non-US citizens refinancing Texas commercial real estate. Asset-based approval, no US credit history or returns required.
No Upfront Fees
No application fee. No processing fee before closing. Nothing out of pocket to get your quote or LOI.
Refinance Programs We Close
Rate & term, cash-out, DSCR, hard money — every program below closes statewide.
DSCR Rate & Term Refinance
Qualify on the property’s rental income. Lower your rate, extend your term, or both — no personal tax returns required.
Commercial Cash-Out Refinance
Pull equity from commercial property you own. Up to 80% LTV. No seasoning, no income docs on most programs. Land qualifies.
Hard Money Refinance
Asset-based refinance for any credit profile. No income verification, no credit minimum. All property types, fast close.
Stated Income Refinance
Self-employed borrowers who can’t document income the traditional way. No income verification required.
30-Year Fixed Refinance
Long-term fully amortized refinance — no balloon, no ARM risk. Some programs offer rates below what banks charge with full 30-year amortization.
Bridge Refinance
Short-term refinance to stop a balloon default, buy time, or bridge to permanent financing. 6–24 month terms.
Who Qualifies
If any of these describe you, call us — we can likely help.
Self-employed with commercial equity — income looks too low on paper for bank refinance approval
Own income-producing property and want to qualify on rental income, not personal returns
Bad credit or past bankruptcy — asset and equity drive approval on hard money programs
Foreign national refinancing Texas commercial real estate
Balloon payment due and permanent financing isn’t ready yet
Broker with a client who needs commercial refinancing — we pay referral fees
Common Questions
What borrowers ask before calling about commercial refinancing.
Searching for a commercial refinance near me in Texas?
Yes — we’re a Texas direct lender closing commercial refinances statewide since 1998. Houston, Dallas, San Antonio, Austin, Fort Worth, and every Texas county. No tax returns required, bad credit OK, foreign nationals welcome. Same-day LOI, no upfront fees.
Can you actually beat a bank on rate and term?
Yes — on certain programs. Our DSCR permanent programs offer rates competitive with or lower than many banks, with fully amortized 30-year terms and no balloon payment. If you’ve been told private lenders are always more expensive, that’s not true for all our programs. Call us and we’ll run a real comparison.
Do I need tax returns to refinance?
Not on most programs. DSCR loans qualify on the property’s cash flow. Stated income programs require no income verification. Hard money programs need nothing beyond the property and your equity. We look at what you own, not what your returns say.
How fast does a commercial refinance close?
Same-day LOI. Closings typically run 2–4 weeks — far faster than the 60–90 days a bank takes. If a balloon is coming due or you have a deadline, call us first.
Get Your Refinance LOI Today
Tell us about your property — same-day letter of intent, no upfront fees.
No tax returns. All credit welcome. Rate & term or cash-out.