Commercial Real Estate Financing in Prosper, Texas
Prosper has exploded from a small Collin County farming community to one of the fastest-growing cities in the nation — a city approaching 50,000 residents whose growth has outpaced infrastructure at every stage. The commercial real estate opportunity here is in serving a population that has arrived faster than retail and services can be built. Developers and investors who move fast in Prosper have seen exceptional returns; the market remains supply-short.
Commercial Loans of Texas provides direct financing for Prosper, Celina, and the North Collin County outer ring commercial market.
Loan Programs
- DSCR Loans — Qualify on property income. Stabilized retail and multifamily in a supply-short market commands strong occupancy. Rates from 7.5%.
- Stated Income — No tax returns. Good for investors entering a fast-moving market without time for conventional bank processes. Rates from 9.5%.
- Hard Money Bridge — 5–10 day close. Up to 70% LTV. Essential in a market where deals move in days, not weeks.
- Long-Term Fixed — Stabilized commercial, 20–30 year amortization.
Property Types
Retail, multifamily, medical, professional services, flex, and owner-occupied commercial throughout Prosper, Celina, Anna, Melissa, and North Collin County.
Rate Summary
| Program | Rate | LTV |
|---|---|---|
| DSCR | 7.5%–9% | 75% |
| Stated Income | 9.5%–11% | 70% |
| Hard Money | 10%–12% | 65% |
Call (936) 609-4398 or apply online.