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Real Estate Loans in Texas

Texas has several large, separate metro markets, each with its own rental and commercial property base.
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  • Houston
  • Dallas
  • San Antonio
  • Austin
  • Fort Worth
  • El Paso
Loan programs
2
Major metros
6
Financing
Business-purpose

Available Loan Products in Texas

  • Commercial Permanent

    Loans for commercial real estate investments

  • Residential DSCR Loan

    Debt service coverage ratio loans for rental properties

Texas Market Highlights

  • Houston, Dallas-Fort Worth, San Antonio and Austin are among the country's largest metro areas.
  • The economy spans energy, technology, healthcare and aerospace.
  • Austin is the state capital and home to the University of Texas.

Texas Lending Questions

Do you offer DSCR loans in Texas?

Yes. DSCR loans for 1-4 unit rentals, condos and townhomes in Houston, Dallas, San Antonio, Austin, Fort Worth, El Paso and the rest of the state. The loan qualifies on the property's rent, not your personal income.

What do I need for a DSCR loan in Houston, Dallas or San Antonio?

A minimum 1.10x DSCR, a 680+ FICO score, at least 20% down on a purchase (up to 80% LTV), an appraisal, and a non-owner-occupied rental property. Loans go up to $5 million. The requirements are the same in every Texas city.

Do you make commercial real estate loans in Texas?

Yes. Commercial permanent loans for investor-owned multifamily (5+ units), mixed-use, retail, office, industrial and self-storage property, on occupied property with LTVs up to 75% and amortization up to 30 years: up to $5 million for a purchase, rate-and-term refinance or cash-out refinance.

Can I get a fix and flip or construction loan in Texas?

Fix and flip and ground-up construction are confirmed deal by deal in Texas. Send the property and plan, and we tell you quickly whether we can fund it and on what terms.

Why Choose Riverside Park Capital in Texas

What sponsors and investors can count on when they work with RPC.

  • $4B+ in Real Estate Financing Supported

    Our principals have financed more than $4 billion. Our founders began their careers on the lending desks of JPMorgan, Wells Fargo, HSBC and RBC.

  • Disciplined Execution

    Preliminary terms are an estimate, not an approval. Final terms follow underwriting, valuation, title and documentation.

  • Business-Purpose Only

    All financing is business-purpose. Commercial programs serve owner-occupied and investor-owned commercial assets; residential investor programs are for non-owner-occupied investment properties only.

  • Structured for Sponsors

    Programs underwritten to property cash flow, sponsor experience, and asset-level economics.

Not sure which loan fits your next deal?

Request financing for your investment property in Texas in four short steps. Our originations team reviews your scenario and follows up. Submitting this inquiry does not authorize a credit pull.

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Ready to Invest in Texas?

Get a competitive quote for your next Texas real estate investment. We serve Houston, Dallas, San Antonio, and more.
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Licensing & Regulatory Information

Licensing and availability vary by program, property and state. We confirm both for each deal. All Riverside Park Capital financing is business-purpose only, for investment and commercial properties.

Riverside Park Capital: All loans are business-purpose. Commercial programs are available for owner-occupied and investor-owned commercial assets. Residential investor programs are for non-owner-occupied investment properties only. Not available for consumer-purpose residential transactions.