Best Loan Type for Investment Property in Texas

What’s the best loan type for your investment property? It depends on your goals, financial profile, and the property itself. Commercial Loans of Texas helps Texas investors match their situation to the right loan product every time.

Most Common Investment Property Loan Types

• DSCR Loan — best for rental properties; qualify on rent income, not personal income
• Hard Money — best for fix-and-flip or when speed matters most
• Conventional Investment Loan — best for strong-credit investors with 20-25% down
• Stated Income — best for self-employed investors with complex tax returns
• Portfolio Loan — best for investors with multiple properties
• Bridge Loan — best for transitional properties between financing

Matching Loan to Strategy

• Buy and hold rental → DSCR or conventional
• Fix and flip → Hard money
• Self-employed investor → Stated income or DSCR
• Multiple properties → Portfolio loan
• Value-add apartment → Bridge to DSCR or agency

Let Us Match You to the Right Loan

Call 877-895-3634 or use our pricing widget. We analyze your deal and recommend the program that saves you the most money and closes the fastest.