Your Guide to Buying and Financing Commercial Real Estate in Texas.

Invest Smart: How to Buy and Finance Commercial Real Estate in Texas

If you're thinking about buying or financing commercial real estate in Texas—whether it's an office building, retail center, warehouse, or multifamily property—you're not alone. Texas is one of the fastest-growing commercial markets in the U.S., and investors from across the country are eyeing cities like Houston, Dallas, Austin, and San Antonio for opportunities.

At Commercial Partners of Texas, we help investors, business owners, and developers navigate the complex world of commercial real estate financing. Here's what you need to know to get started.

1. Understanding Your Commercial Real Estate Goals

Before diving into financing, clarify your investment or business goals:

• Are you buying to occupy or to lease out?

• What’s your ideal timeline and budget?

• Do you need short-term bridge financing or a long-term fixed-rate mortgage?

Knowing your intent will help match you with the right property—and the right loan.

2. Popular Types of Commercial Real Estate Loans

Financing commercial real estate is not like getting a home mortgage. There are many options, and each serves different borrower profiles:

• SBA 504 & SBA 7(a) Loans: Perfect for small business owners buying a building to operate in.

• Conventional Commercial Mortgages: Offered by banks and lenders, often with competitive rates.

• Bridge Loans: Short-term loans for fast closings or value-add opportunities.

• CMBS Loans: Non-recourse loans often used for stabilized, income-producing properties.

• Private Money Loans: Ideal for borrowers with unique situations or distressed properties.

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3. What Lenders Look For

To qualify for the best commercial real estate loans, be prepared to show:

• Strong credit history (typically 650+)

• Business financials and tax returns (if applicable)

• Rent roll or projected income

• Property appraisal or purchase contract

• Down payment (usually 20–30%)

Working with a broker like Commercial Partners of Texas simplifies this process—we gather your documents once and shop your deal to multiple lenders to find the best fit.

4. Why Texas Is a Hot Market for CRE Investors

Texas offers:

• No state income tax

• Business-friendly regulations

• A growing population and job market

• Affordable land and construction costs

Cities like Houston are especially appealing due to their strong logistics networks and growing demand for multifamily, retail, and industrial space.

5. How Commercial Partners of Texas Can Help

We specialize in helping clients buy, refinance, or cash-out their commercial real estate assets. Here’s how we make the process easier:

✅ Fast pre-approvals✅ Access to 100+ lenders nationwide✅ Customized loan structures✅ Expert underwriting and packaging✅ Transparent, responsive service

Whether you're a first-time buyer or a seasoned investor, we’re here to guide you every step of the way.

Ready to Get Started?

Contact Commercial Partners of Texas today at 832-607-1113 or email george@amerimort.com for a free consultation.

Let’s finance your next commercial property—smarter, faster, and with less hassle.

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