Are 30-Year Fixed Rate Loans Available for Texas Commercial Properties?

Understand how investors and business owners can secure long-term fixed-rate financing in the Texas commercial market

Yes — 30-year fixed-rate loans are available for Texas commercial properties, especially for multifamily and certain SBA-qualified buildings. These long-term loans provide rate stability and cash flow predictability, making them ideal for investors and owner-operators alike.

What Is a 30-Year Fixed Commercial Loan?

This loan type maintains a constant interest rate over 30 years, offering consistent monthly payments. They're most commonly available for multifamily, office, retail, and industrial properties with strong income streams.

Where Can You Get These Loans in Texas?

  • Fannie Mae & Freddie Mac: Offer 30-year fixed terms for stabilized multifamily projects.
  • HUD/FHA 221(d)(4): For larger or affordable housing projects — sometimes with terms exceeding 30 years.
  • SBA 7(a) & 504: Fixed rates for owner-occupied commercial properties, up to 90% LTV.
  • Private Lenders & CMBS: Offer 5–10 year fixed terms with 30-year amortization and balloon payments.
Modern Texas Office Building

Benefits of 30-Year Fixed Commercial Loans

  • Stable Payments: No surprises — lock in rates for long-term planning.
  • Improved Cash Flow: Longer amortization = lower monthly payments.
  • Lower Risk: Hedge against interest rate increases.
  • Ideal for Multifamily: Especially in high-growth Texas metros.

What You Need to Qualify

  • DSCR: Minimum 1.25× for most lenders
  • LTV: Typically 75–80%, or 90% with SBA programs
  • Credit: Good borrower or sponsor credit profile
  • Property: Must show consistent rental income or business revenue
Texas Real Estate Investment Property

Conclusion

30-year fixed-rate loans are a smart move for long-term real estate investors and owner-users in Texas. With predictable terms, lower payments, and flexible programs, you can stabilize your portfolio for years to come. Contact us to explore which loan structure fits your needs.

Dan Peterson
www.CommercialLoansOfTexas.com
Direct: 832-273-3551
877-TX-Lending (877-895-3634)
Fax: 832-476-1988

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