The Midland-Odessa metro sits at the heart of the Permian Basin — the most productive oil field in the world. Energy cycles create unique commercial real estate opportunities: industrial properties, workforce housing, hospitality, and retail that swing dramatically with oil prices. Commercial Loans of Texas has financed commercial properties in Midland and Odessa since 1998 and understands this market’s unique dynamics.
Commercial Loan Programs Available in Midland-Odessa
- Hard Money Loans — Asset-based underwriting, close in 7-14 days. Particularly useful in energy markets where income fluctuates and conventional lenders grow cautious. Up to 65% LTV.
- DSCR Loans — Qualify based on the property’s rental income rather than volatile oil-related personal income. Ideal for landlords with fluctuating 1099 income.
- SBA 504 Loans — 10% down for owner-occupied commercial property. Works for oilfield service companies and equipment dealers buying their own building.
- Stated Income / Bank Statement Loans — For energy sector self-employed borrowers whose taxable income doesn’t reflect actual cash flow.
- Bridge Loans — Short-term capital to close fast on distressed properties in down-cycle markets.
- Commercial Construction Loans — Financing for new industrial, warehouse, or commercial construction in the Permian Basin.
Property Types We Finance in the Permian Basin
- Industrial and warehouse properties serving oilfield services
- Workforce housing and multifamily — high demand during boom cycles
- Hotel and extended-stay hospitality serving oilfield workers
- Retail and restaurant properties along Andrews Highway and Midland Drive
- Office buildings in downtown Midland
- Self-storage facilities — strong in energy markets
- Commercial land and undeveloped parcels
Understanding Permian Basin Commercial Real Estate
Midland-Odessa commercial real estate is unlike any other Texas market. During oil booms, vacancy rates drop to near zero and rents spike. During downturns, the same properties can sit vacant for extended periods. Successful investors in the Permian Basin buy during troughs, hold through recoveries, and use flexible financing that accounts for income variability. We have financed Permian Basin commercial properties through multiple oil price cycles since 1998.
How to Apply
Call 877-895-3634 or apply online. Preliminary terms within 24-48 hours. No upfront fees. In-house underwriting. We serve Midland, Odessa, Andrews, Big Spring, and the entire Permian Basin region.
Related Resources
- Hard Money Loans Texas
- DSCR Loans for Texas Real Estate Investors
- Stated Income Commercial Loans in Texas
- Commercial Construction Loans in Texas