I am looking for only short term, which loan should I go for?

If you require a short-term loan to tide you over until you find long-term traditional financing, bridge commercial real estate financing in Houston may be appropriate. It’s perfect for temporary needs like adding value or property turn-around. Bridge loans often have better interest rates than hard money loans and may be suitable if you require money while waiting for bank financing. They can be used for the same properties as hard money loans.

Will hard money loans help in buying CRE property?

Commercial hard money loans offer flexible lending amounts, options, and terms for a wide range of income-generating properties like strip malls, hotels, apartments, mixed-use properties, senior housing, shopping centers, and office buildings.

What type of CRE properties that can be financed by CRE lender?

These types of commercial real estate loans in Houston are particularly popular for financing specialty scenarios like the following: 1. Non-stabilized properties 2. Foreign nationals 3. Opportunity purchases 4. Quick closings 5. Non-cash flowing properties 6. Foreclosure purchases

Hard Money Lender in Houston, TX

Whether you require financing for flipping or purchasing, you’re sure to find what you need from the vast selection of commercial real estate loans in Houston.

Apply Now

940+

Loans

854+

Clients

$4.5B+

Funded Loans

Market Overview of the Commercial Real Estate Market in Houston

Houston’s commercial real estate market is sector-driven. Your chances of getting a loan have more to do with what kind of property you’re bringing in than which part of the city it’s in.

The strongest lane is still industrial, keeping warehouse, distribution, and manufacturing properties in a healthier lending position than many other sectors.

But multifamily is also on solid footing, especially in newer products and higher-demand submarkets.

Lenders are comfortable moving forward on commercial real estate loans in Houston for well-located multifamily assets with stable collections and occupancy.

Retail is (surprisingly) outperforming expectations and showing resilience. Net absorption continues to tilt positive as demand outpaces new supply.

Several years into a flight-to-quality market pattern, office is still the most selective CRE lending segment.

Demand for newer Class A space is accelerating while lower-quality assets are losing occupancy.

Hard money lenders in Miami want to see solid proof of stronger tenancy and more equity on older office deals. We have the knowledge, expertise & loan amount to help any CRE investor.

Our Recent Closings

Christian College

San Diego | $13,000,000

Light Industrial Warehouse

Dallas TX | $7,500,000

Office/Industrial

Leander TX | $7,200,000

View All

About Hard Money
Lenders Houston TX

Houston is one of the best places for commercial property investments. You just need to find the right commercial real estate (CRE) loan to finance your project.

The real estate market of Houston is becoming a favorite destination for real estate investors looking for a great opportunity and return.

No doubt it is logical to consider investing in such a booming city in the country. The economy of Houston for sure presents the best chance for investors to succeed with the investment.

Private Capital Investors understand the needs of the investors. We are here to provide your assistance with financing and the information you need for your investment. We would make the experience easy for you.

Future of Commercial Real Estate in 2022

Commercial Real Estate Loans in Houston

Bridge commercial real estate loans in Houston can give you room to maneuver if you intend to buy or refinance a property that has yet to fully stabilize, such as multifamily assets in high-construction corridors where there are recent supply surges, or office buildings in the urban core area where vacancy cleanup is still underway. You can steady the asset in the meantime as you work toward raising NOI.

If you need to close fast on a property that won’t fit a conventional lender’s box — such as an older office product or distressed/value-add retail — Commercial hard money will let you commit to the deal on the seller’s schedule. You can also use them to capitalize on buildings in secondary Houston submarkets where banks may cut leverage.

Commercial stated income or alternative-doc commercial property loans in Houston are designed for borrowers whose tax returns do not fully reflect their financial capacity and ability to cover payments. You may fall into this category if, like most real estate operators, you have layered income streams and complex entity structures.

Private Capital Investors has the knowledge, expertise, and connections to help any commercial investor maximize their real estate investment opportunities in the growing Texas property market.

Loan Programs for CRE Investors in Houston

Hard Money

We have funded more than 1500+ CRE customers. We offer hard money loans ranging from $1 Million to $50 Million. Our experienced team of CRE professionals helps you get the right loan.

Learn More

Bridge Financing

Private Capital Investors, being direct commercial real estate bridge loan lenders can allocate funds quickly and fast. Our CRE professionals will analyze your financing needs.

Learn More

Stated Income

We have plenty of loan options, including the stated income loans. The flexible loan terms provided by the stated income commercial lenders make it accessible to every investor.

Learn More

skyscrapers-from-low-angle-view_1359-1000

Why choose Private
Capital Investors?

We’re among the leading commercial real estate loan lenders and advisors in Houston. Our team has extensive knowledge of the practical aspects of the local commercial real estate industry. So, we can guide our clients with qualified loan options from one of the trusted hard money lenders Houston TX.

Our commercial mortgage brokers will work closely with you to help you secure the CRE loan that you need.

Our loan offers:



Interest Rates as low as 5.99%.



We provide Nationwide Lending.



Get Approval within 24 – 48 Hours.



Funding within 14 days.



Stated Incomes, No Financials required.



Excellent Customer Service.



Common Sense Underwriting.

Areas We Serve



















Frequently Asked Questions

When should I use a hard money loan?

Consider hard money loans if your property doesn’t meet conventional lending requirements and/or you need to close quickly. Through private lenders like us here at Private Capital Investors, you can get these commercial real estate loans in Houston as alternatives to traditional financing from banks.

Is it safe to take out a hard money loan?

Yes, as long as you work with a reputable lender and understand the risks. Before choosing hard money lenders in Houston, TX, check everything from their credentials to their experience and previous transactions. You should also take the time to understand the interest rates and repayment terms before signing anything. Private Capital Investors is a well-established commercial real estate lender that understands the needs of CRE investors, so you can be confident that we will be transparent about the risks and terms of your loan..

What's the collateral required for commercial real estate loans in Houston?

The property itself acts as your collateral in most cases. This gives your lender the right to take legal action to recover the outstanding debt through your property if you fail to repay your loan.

What credit score do I need to qualify for a CRE loan in Houston from a private lender?

Most programs need around 660 to 680 or better, but some private lenders are willing to go lower if your collateral and exit are strong.

Where should the commercial property be located in Houston for it to qualify?

There’s no requirement for your property to be in a specific area. Hard money lenders in Houston TX finance properties all over the city and the state. What matters is your property’s income potential and having a realistic repayment strategy.

Do I need to apply for a hard money loan in person?

No. Here at Private Capital Investors, you can apply for commercial real estate loans in Houston online. Simply submit your application and supporting documents remotely.

What's considered a good credit score to qualify for a CRE loan from a private lender in Houston?

Most lenders prefer credit scores around 660 to 680 or higher. However, some hard money lenders in Houston TX may consider lower scores if you have strong collateral and a reliable exit strategy. Talk to us about your deal to find out.

How much money should I prepare for the CRE property loan’s down payment in Houston?

You generally need to prepare 20% to 35% of the property’s purchase price as your down payment.

When does it make sense to take out a hard money loan in Houston?

Before you decide, take the time to weigh your cost of debt against the opportunity cost. Cost of debt refers to the interest and fees you’ll pay on your loan, so it is usually influenced by factors like the lender’s risk and inflation. Opportunity cost refers to the potential returns you could miss if you pass up an investment or choose another financing option.

Do I need an appraisal for a hard money loan?

Yes, because an appraisal can help hard money lenders in Houston TX confirm your property’s value. But before hiring an appraiser, make sure it’s someone your lender approves.

Can I take out hard money loans for any CRE property?

Yes, you can get these commercial real estate loans in Houston for various types of CRE properties. Depending on your property and investment plans, your lender may also lend you money to buy and develop a vacant lot. We do that here at Private Capital Investors.