Investment property financing is the core of what Commercial Loans of Texas does. Since 1998, we have financed thousands of investment properties across the state — from single-family rentals and small duplexes to large apartment complexes, retail centers, industrial buildings, and everything in between. Texas is one of the best states in the country for real estate investment: no state income tax, a business-friendly regulatory environment, strong population growth, and commercial real estate markets that have consistently outperformed the national average over the past two decades. Getting the right loan program for your investment property — at the right rate, with the right terms, and closing on your timeline — is where we make the difference. We offer DSCR loans that require no tax returns, hard money bridge loans that close in 7 to 10 days, stated income programs for self-employed borrowers, and conventional long-term financing for qualified investors. Whether you are a first-time rental property investor or a seasoned portfolio operator with 50+ Texas properties, we have a program designed for your situation. Call 877-895-3634 or apply online today.
Investment Property Loan Programs in Texas
- DSCR Investment Loans: 7.0 to 9.5% rate, 30-year amortization, 70 to 80% LTV, minimum 1.20 DSCR. No tax returns required — the property’s rent income qualifies the loan. Available for single-family rentals (SFR), small multifamily (2 to 4 units), and commercial investment properties.
- Hard Money / Bridge: 10 to 14%, 65 to 70% LTV, 12 to 24 month terms. Close in 7 to 10 days. Ideal for competitive acquisition situations, value-add plays, and properties that do not yet qualify for DSCR programs.
- No-Doc / Stated Income: 9 to 13%, 65% LTV, 12 to 36 months. For self-employed investors and business owners with complex tax situations who have strong property equity but limited documentation.
- Multifamily (5+ Units): 6.75 to 8.5%, 25 to 30 year amortization, 75 to 80% LTV. Apartment buildings and mixed-use with residential component.
- Commercial RE / Mixed-Use: 7 to 10%, 20 to 25 year amortization, 65 to 75% LTV. Retail, office, and mixed-use investment properties.
- Cash-Out Refinance: 8 to 11%, 70% LTV max, no seasoning required. Pull equity out of existing investment properties to fund new acquisitions.
2026 Texas Investment Property Loan Rates
| Loan Type | LTV | Term |
|---|---|---|
| DSCR (SFR / Small Multifamily) | 70-80% | 30 years |
| Multifamily 5+ Units | 75-80% | 25-30 years |
| Commercial RE / Mixed-Use | 65-75% | 20-25 years |
| Hard Money Bridge | 65-70% | 12-24 months |
| No-Doc / Stated Income | 65% | 12-36 months |
| Cash-Out Refinance | 70% max | 20-25 years |
Rates are quoted per deal — call 877-895-3634 for today’s number on your deal.
Investment Property Types We Finance
We finance all types of Texas investment real estate: single-family rental (SFR) properties, small multifamily (2 to 4 units), apartment buildings (5+ units), retail strip centers and neighborhood shopping centers, office and medical office buildings, industrial and warehouse properties, self-storage facilities, mixed-use buildings, boutique hotels and extended stay, short-term rental (STR) portfolios, fix-and-flip projects, and development land. All investment property loans — no owner-occupied primary residences.
Qualification Requirements
For DSCR programs, credit scores of 620 or higher are preferred and the property must have a 1.20 or higher DSCR based on current rents. Down payments of 20 to 30% required. Tax returns are not required — rent roll and lease documents drive approval. For hard money loans, no credit score minimum and no DSCR requirement — 25 to 35% equity in the deal is the primary requirement. Borrowers must take title in an LLC or corporation for most investment property loans above $500,000.
How to Get a Texas Investment Property Loan
- Submit your deal: Call 877-895-3634 or apply online with the property address, purchase price or current value, loan amount needed, and current rent or projected rent.
- Program selection: Based on your property and financial profile, we identify the best program — DSCR, hard money, or stated income — and issue a term sheet within 24 to 48 hours.
- Due diligence: Appraisal, title search, lease review. We coordinate all third-party reports.
- Close: Hard money closes in 7 to 10 days. DSCR programs close in 21 to 30 days.
Frequently Asked Questions — Texas Investment Property Loans
What is the best loan program for a Texas rental property investor?
For most Texas rental property investors, a DSCR loan is the best long-term solution. It requires no tax returns, uses the property’s rental income to qualify, and offers 30-year amortization at competitive rates. The key requirement is a 1.20 DSCR and a down payment of 20 to 25%. Investors who need speed for a competitive acquisition, or who are buying a value-add property that does not yet cash flow at 1.20, typically start with a hard money bridge loan and refinance into DSCR once the property is stabilized.
Can I finance multiple Texas investment properties at once?
Yes. Portfolio loans allow investors to finance multiple properties under a single loan, simplifying management and often achieving better terms than individual property loans. We also work with investors building larger portfolios through sequential individual DSCR loans. There is no hard limit on the number of investment properties you can finance with us.
Do I need to have the investment property under contract to apply?
No, but having a property under contract accelerates the process significantly. We can pre-qualify you for a loan amount range before you have a specific property under contract, which strengthens your negotiating position with sellers. Once you are under contract, we issue a formal term sheet based on the specific property within 24 to 48 hours.
Are Texas investment property rates higher than primary residence rates?
Generally yes. Investment property rates are typically 0.5 to 1.5% higher than primary residence rates for conventional programs. However, our DSCR programs are specifically designed for investment properties and are often competitive with or better than rates a bank might offer for the same investment property, especially for self-employed borrowers who struggle with conventional bank qualification.
Can I use a Texas investment property loan for a short-term rental?
Yes. We finance short-term rental (Airbnb, VRBO) investment properties in Texas. DSCR underwriting for short-term rentals uses market STR revenue data rather than traditional annual lease income. Properties in strong STR markets — Austin, San Antonio River Walk, Fredericksburg Hill Country, and Gulf Coast beach areas — often qualify on favorable terms based on documented STR revenue.
Ready to finance your next Texas investment property? Call 877-895-3634 or apply online at Commercial Loans of Texas. Since 1998, we have helped thousands of Texas investors build wealth through real estate. No tax returns required, fast decisions, and we close on time.