Commercial & Investment Property Loans
Fast approvals for investment properties, vacation homes, commercial real estate, and land (including agricultural & ranch) in Hidalgo & Cameron County, Texas. Approvals in 1–2 business days.
15+ Years of Private Lending Experience • Local Texas Lending Decisions • Direct, Relationship-Based Approach
If you're searching for a "hard money lender" for commercial or investment property in Hidalgo or Cameron County, our private real estate loan programs may be a fit—without the focus on fix-and-flip or heavy rehab projects. Our private commercial and investment property loans focus on properties in Hidalgo and Cameron County.
Loan Terms
Interest Rate
14.00%
Fixed rate for entire term
Term Structure
20-Year Amortization
3-Year Balloon
Short-term flexibility for investors
LTV
Up to 70%
Origination Fee
3 Points
Prepayment Penalty
None
Appraisal
County-Based
Why Choose Our Commercial Loans?
Rapid approval - typically 1-2 business days
Flexible for various property types up to 70% LTV
County-based valuations - we are the appraisers
No credit score requirements
Serving Hidalgo & Cameron County exclusively
Farm land, ranch land, and agricultural expertise
Gas stations, car washes, and special use properties welcome
No prepayment penalty
Loan amounts from $50,000 to $500,000 (up to $1M on occasion)
Calculate Your Payment
Private Money Commercial Calculator
Calculate your commercial loan terms
Interest Rate
14.00%
Term
20 Years
Balloon
3 Years
Origination
3 Points
* This calculator provides estimates only. Final terms subject to underwriting and approval.
Eligible Properties
✓ Eligible
- • Investment properties
- • Vacation homes
- • Commercial buildings
- • Gas stations & car washes
- • Land (agriculture, ranch, raw land)
- • Mixed-use properties
- • Retail, office, industrial spaces
- • Multi-family residential (for investment)
- • Located in Hidalgo or Cameron County
✗ Not Eligible
- • Primary residences (see mortgage products)
- • Home equity loans
- • Home refinance
- • Properties outside Hidalgo/Cameron County
Perfect For
Real Estate Investors
Quick capital for commercial opportunities
Agricultural Investors
Farm and ranch land financing
Business Owners
Expand with commercial property
Frequently Asked Questions
What are the commercial loan terms?
A 14% fixed rate, 20-year amortization with a 3-year balloon, up to 70% LTV, 3 points origination, and no prepayment penalty.
What property types do you finance?
Investment properties, vacation homes, commercial real estate, and land — including agricultural and ranch land — in Hidalgo and Cameron County. Special-use properties such as gas stations and car washes are welcome.
Can I take cash out of a commercial or investment property?
Yes. Property owners with equity can use the property as collateral for cash-out financing, up to 70% of value. We do not fund fix-and-flip, rehab, or construction projects.
Is this a bank loan or a DSCR loan?
Neither. These are private loans funded by our investors and underwritten on the property. We do not offer conventional bank mortgages or DSCR loans.