Loans Programs for Commercial and Investment Real Estate (non-rehab)

Lending Area: Texas Only

Transaction Type: Purchase or Refinance

Loan Amount: $100,000 up to $2,000,000

Available Terms: Payment based on:
 Rates:
 Points:*
 Penalty:
12-24 Month Balloons Interest Only 12.50% – 13.50% 1.5% – 2.5% No
60 Month Balloons
With 15-Year Amortization		 Principal & Interest 12.50% – 13.50% 1.5% – 2.5% No
* Plus broker points, if applicable

Residential Fix and Flip Investment

Loan to Value: Purchase
 Refinance:
Raw Land 50% 35%
Commercial or Investment 60%-65% 55%-60%
Final LTV will vary based on property type, location and other factors.

Credit Score: No minimum credit score

Property Types: Most Accepted (few examples below)

  • Retail Office
  • Hotels, Motels, BNB etc.
  • Church
  • Restaurant, Bar
  • Car Wash
  • Warehouse
  • Raw Land
  • Farm & Ranche
  • Auto Repair
  • Strip Center
  • Multi-Use
  • Mini Storage

***no gas stations (or properties with current or prior above/below ground tanks, heavy industrial, etc).

Other Items that may be needed for final approval and closing:

  • Completed Loan Application
  • Borrower Credit Authorization Form
  • Signed Commitment Letter, Estimated Closing Costs & Escrow Analysis
  • Copy of valid ID (DL, etc.)
  • Contact info for Insurance
  • Copy of Earnest Money Contract (if purchase)
  • Payoff information (if refinance)
  • Corporate Entity Documentation
  • Copy of most recent survey
  • Fee for BPO (Real Estate Broker Price Opinion) or Appraisal, depending on loan amount

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