Texas Commercial Real Estate Loans
Texas has the second-largest commercial real estate market in the country by transaction volume. Driven by population growth, business-friendly tax policy, and no state income tax, Texas has attracted corporate headquarters, logistics operations, and multifamily development at a scale that rivals coastal markets.
We originate commercial real estate loans for Texas investors across the full property spectrum: 5+ unit multi-family, mixed-use, office, retail, industrial, and self-storage.
Commercial real estate loans qualify on the property’s cash flow, not personal income documentation. No tax returns required.
We are a nationwide private commercial lender — commercial loans are available in all 50 states and are not subject to the state licensing restrictions that apply to our residential mortgage products.
Get Pre-Qualified for a Commercial Loan Talk to a Commercial Specialist — (833) 350-9185Texas Commercial Markets We Serve
Dallas-Fort Worth DFW is a top-five commercial real estate market nationally. Industrial and logistics demand is driven by distribution networks; office demand comes from healthcare, financial services, and technology. Multi-family fundamentals remain strong, with class B and C value-add deals attracting significant investor capital. We finance commercial properties across Dallas, Fort Worth, Arlington, Plano, Frisco, Irving, and surrounding DFW submarkets.
Houston Houston’s commercial market is anchored by the energy sector, the Port of Houston (one of the nation’s busiest), and a large diversified healthcare and medical complex. Industrial and logistics demand near the port is consistently strong. Multi-family has absorbed substantial population growth. We originate commercial loans in the Houston metro including Sugar Land, The Woodlands, Katy, Pasadena, and Clear Lake.
Austin Austin has seen some of the fastest commercial rent growth in the country over the last decade. Multi-family remains undersupplied relative to population inflows; office demand is driven by tech company expansion. Light industrial and flex space near major employment corridors is an active investment class. We finance commercial properties in Austin, Round Rock, Cedar Park, Kyle, and surrounding submarkets.
San Antonio San Antonio’s commercial market is supported by military and federal government employment, a large healthcare sector, and significant tourism infrastructure. Apartment investment is active at all price points. Industrial demand has grown with logistics expansion along I-35. We originate commercial loans across the San Antonio metro and Hill Country adjacent markets.
Texas Homestead Law — Commercial Loan Note
Texas’s homestead protections (Constitution, Article XVI, Section 50(a)(6)) govern owner-occupied residential cash-out refinances. These rules do not apply to commercial real estate loans. A commercial property — 5+ unit apartment building, office, retail strip, industrial warehouse — is not a homestead and is not subject to these restrictions.
This distinction matters for Texas investors who have heard about Texas’s homestead loan limitations and are uncertain whether those rules affect their commercial deal. They do not.
Property Types We Finance in Texas
| Property Type | Min Loan | Typical LTV | Notes |
|---|---|---|---|
| Multi-family (5+ units) | $500K | 70–75% | Apartment buildings, garden-style, mixed residential |
| Mixed-use | $500K | 65–75% | Retail/residential combos; commercial first floor + apartments |
| Office | $750K | 65–70% | Medical, professional, flex-office |
| Retail | $500K | 65–70% | Strip centers, NNN single-tenant, neighborhood retail |
| Industrial / warehouse | $750K | 65–75% | Light industrial, flex, logistics, port-adjacent |
| Self-storage | $1M | 65–70% | Existing stabilized facilities |
Typical Loan Terms
| Feature | Range |
|---|---|
| Loan amounts | $500,000 – $10,000,000+ |
| Term | 5, 7, or 10-year fixed with 25–30 year amortization |
| LTV | 65–75% depending on property type |
| DSCR minimum | 1.20–1.30 |
| Close time | 45–75 days |
| Income docs | Not required — property cash flow qualifies |
| Vesting | LLC preferred; single-asset SPV standard |
| Reserves | 6–12 months operating + capex |
Frequently Asked Questions
Related Programs
- Commercial Loans (Nationwide) — Full program overview, all 50 states
- Texas DSCR Loans — 1–4 unit residential investment properties in Texas
- Bank Statement Loans — Self-employed borrower residential program
- Texas Mortgage Programs — All products available in Texas
Get Pre-Qualified for a Commercial Loan Talk to a Commercial Specialist — (833) 350-9185
1st Nationwide Mortgage, NMLS 1281. Texas SML License #1437886. Commercial real estate loans subject to property underwriting, sponsor qualification, and lender approval. Terms, LTV, and DSCR minimums vary by property type and loan amount. Not all applicants or properties will qualify. Commercial loans are available in all 50 states and are not subject to residential NMLS licensing restrictions.
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