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Investor Commercial Loans in Texas

Business-purpose commercial financing for investment property financing in Texas. See the relevant rules, qualifying locations, and a live number before you apply.

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Rates from 8.375%Assumes 800+ FICO, ≤50% LTV, mixed-use property, first lien · Verified against guidelines v2026.08.24 · Your scenario is priced live in the Mentor.

What borrowers need to know

Investor financing centers on the property economics, leverage, reserves, experience, and the borrower’s plan for ownership and repayment.

This page is built from the active pricing ruleset rather than generic marketing copy. The Mentor checks your property, documentation path, credit, leverage, and experience against the same current rules.

TexasBusiness purposePurchase or refinanceLive scenario pricing

Reviewed for program accuracy on 2026-08-22 · The Fiirm content team

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Use the same live prequalification experience directly on this page. No credit pull at this stage, and you can see what needs attention before a full application.

Texas prepayment rules

These statuses come from the active PPP grid. Conditional results include the grid's explanation when one is available.

StructureStatus
5-year structureAllowed — For first lien loans, Texas law prohibits prepayment penalties on home equity loans under the Texas Constitution, (so-called ‘50(a)(6) or loans secured by owner-occupied (homestead) properties with an
Declining 5-4-3-2-1Allowed — For first lien loans, Texas law prohibits prepayment penalties on home equity loans under the Texas Constitution, (so-called ‘50(a)(6) or loans secured by owner-occupied (homestead) properties with an
3-year structureAllowed — For first lien loans, Texas law prohibits prepayment penalties on home equity loans under the Texas Constitution, (so-called ‘50(a)(6) or loans secured by owner-occupied (homestead) properties with an
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Qualifying Texas metros

Location-restricted property programs use the verified Top-200 MSA list. The names below are sourced from the active pricing MSA lookup.

Amarillo, TXAustin-Round Rock, TXBeaumont-Port Arthur, TXBrownsville-Harlingen, TXCollege Station-Bryan, TXCorpus Christi, TXDallas-Fort Worth-Arlington, TXEl Paso, TXHouston-Sugar Land-Baytown, TXKilleen-Temple-Fort Hood, TXLaredo, TXLongview, TXLubbock, TXMcAllen-Edinburg-Mission, TXSan Antonio, TXTyler, TXWaco, TX

Questions borrowers actually ask

What makes this Texas page different?

Investor financing centers on the property economics, leverage, reserves, experience, and the borrower’s plan for ownership and repayment. This page publishes verified program facts for Texas, including location data and state prepayment results. Your exact scenario is checked live in the Mentor.

Can I see a rate before I apply?

Yes. The Mentor collects the minimum scenario details, applies the current program rules, and returns live options in about three minutes.

Are these consumer mortgage loans?

No. The Fiirm provides business-purpose commercial real estate financing only, subject to full underwriting and property review.

Continue exploring Texas financing

Reviewed by The Fiirm
Program facts are verified against the active lending guidelines. This page is generated from current database-backed rules and is not a promise of approval.
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