Getting a Loan for an Investment Property in Texas

Getting a loan for an investment property in Texas is different from getting a home loan — and it’s often easier than people think when you work with the right lender. Commercial Loans of Texas has specialized in investment property financing since 1998.

Step-by-Step: How to Get an Investment Property Loan

• Step 1: Know your numbers — purchase price, expected rent, down payment available
• Step 2: Check your credit — most programs require 620+ (some go lower)
• Step 3: Choose the right loan type — DSCR, hard money, conventional, or stated income
• Step 4: Apply — we offer same-day pre-approvals on most programs
• Step 5: Property appraisal and underwriting — we keep this moving fast
• Step 6: Close — sometimes in as few as 7 days with hard money

Down Payment Requirements

• Conventional investment: 20-25% down
• DSCR: 20-25% down
• Hard money: 10-30% down depending on deal
• 100% programs: available in specific scenarios

Get Pre-Approved Today

Call 877-895-3634 or submit through our pricing widget. We’ll pre-approve you same day and match you with the best investment property loan in Texas.