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Home › Rochester, NY
Commercial real estate in Rochester, New York moves fast — and your financing needs to keep up. Commercial Loans of Texas is a direct lender with over 25 years of experience funding commercial mortgage deals that banks turn away. We work with investors, business owners, and developers across New York who need fast approvals, flexible terms, and a lender who actually picks up the phone.
Don't show enough income on your tax returns? Our stated income program uses the property's value and your assets to qualify. Perfect for self-employed borrowers and investors throughout Rochester and New York.
For borrowers with strong financials, our conventional commercial mortgage program offers competitive rates on office, retail, multifamily, industrial, and mixed-use properties across Rochester, New York.
Lock in your rate for the long haul. Our 30-year fixed commercial program gives Rochester property owners stable, predictable payments and the benefits of a long amortization — maximizing cash flow.
When your Rochester business needs capital for equipment, payroll, expansion, or inventory, our working capital loans provide fast access to funds — without the red tape of traditional bank financing.
Serving Rochester and all of New York. Our loan officers understand New York commercial real estate markets and can structure loans for multifamily, retail, office, industrial, mixed-use, and special-purpose properties throughout Rochester and the surrounding region. While headquartered in Texas, we are licensed to fund commercial loans across New York with the same speed and flexibility our Texas clients depend on.
What we look at when underwriting a deal here
New York spans the largest office and multifamily market in the country in New York City, plus genuinely distinct upstate economies: Buffalo and Rochester advanced manufacturing and healthcare, Albany government and semiconductor investment, and Syracuse distribution and university demand.
New York taxes rental and business income at high graduated rates, with New York City adding its own income tax. Upstate property tax burdens are among the highest in the nation.
New York is a judicial foreclosure state with a long timeline, and the mortgage recording tax is a substantial closing cost that varies by county. In New York City, rent regulation and local law compliance can affect value more than the loan terms do.
General information about the New York market, not legal or tax advice. Confirm specifics with your own counsel and accountant before closing.
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Mon–Fri 8 AM–6 PM CT | Rochester, New York | Direct Lender Since 1998
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