Property Commercial Loans of Texas — Direct Lender, All Property Types
We lend on the property — not your credit score or tax returns.
Hard money, DSCR, stated income, bridge, and construction on every commercial property type in Texas.
Bad credit OK. Foreign nationals welcome. Same-day LOI. Direct lender since 1998.
Every Commercial Property Type — We Lend on It
Banks have a short list of property types they’ll approve. We have a long one. If it’s commercial real estate in Texas with equity, call us.
Multifamily
5+ units. DSCR qualification on rental income. No personal returns.
Retail / Strip Mall
Single-tenant, multi-tenant, anchored and unanchored. Hard money and DSCR.
Office Buildings
Urban, suburban, medical office. All credit. No tax returns.
Industrial / Warehouse
Distribution, flex space, manufacturing. Asset-based approval.
Mixed-Use
Retail + residential, office + residential. We’ve done them all.
Raw Land
Up to 50% LTV on commercial land. Banks won’t touch it — we will.
Hotels / Hospitality
Asset-based hard money on flagged and unflagged properties.
Self-Storage
DSCR on income-producing self-storage. Fast close.
Mobile Home Parks
Hard money and DSCR on MHPs statewide.
Gas Stations / C-Stores
Asset-based on operating and non-operating properties.
Restaurants / NNN
Single-tenant NNN, fast food pads, general restaurant.
Distressed / Special Use
Vacant buildings, distressed assets, unusual property types. Call us.
Programs for Every Borrower Situation
The right program depends on your property type, your credit profile, and your timeline. We have options for all three.
Hard Money
No credit check, no tax returns, no income docs. Asset-based approval at up to 65–70% LTV. Fastest close.
DSCR
Qualify on rental income. No personal returns. Best for stabilized income-producing properties. 30-year terms available.
Stated Income
Self-employed, complex income structure, or no documentable income. No W-2s or returns needed.
Bridge / Short-Term
6–24 month terms. Same-day LOI. For acquisitions, renovations, or bridge to permanent financing.
Construction
Ground-up commercial with draw schedules. Land + construction in one loan. No tax returns.
Cash-Out Refinance
Pull equity from property you own. Up to 80% LTV. Land qualifies. No income docs required.
Common Questions
What borrowers ask when searching for property commercial loans in Texas.
Searching for property commercial loans of Texas near me?
Yes — we’re a Texas direct lender on all commercial property types in all 254 counties since 1998. Hard money, DSCR, stated income, bridge, construction — no credit check, no tax returns, bad credit OK, foreign nationals welcome. Same-day LOI, no upfront fees.
What property types do you lend on?
All commercial property types: multifamily, retail, office, industrial, mixed-use, land, hotels, self-storage, mobile home parks, gas stations, restaurants, NNN, and special-use properties. If it’s commercial real estate in Texas, call us — we probably have a program for it.
Do I need good credit to qualify?
Not on our hard money programs. We lend on the property value and your equity — not your FICO score. Bad credit, past bankruptcy, or foreclosure don’t disqualify you. DSCR and stated income programs have minimal credit requirements as well. Call us and we’ll tell you which program fits.
How fast can you close?
Same-day LOI after we hear your property details. Hard money and bridge loans close in 1–2 weeks in some cases, typically 2–3 weeks. DSCR and stated income permanent loans typically 2–4 weeks. All programs faster than a bank’s 60–90 day process.
Get Your Property Loan Quote Today
Tell us your property type, location, and loan need — we’ll give you a same-day LOI.
No credit check. No tax returns. All Texas counties.