TX — Houston
Commercial Real Estate
Financing in Houston
Bridge, construction, renovation, and DSCR loans for Houston investors and developers. $1M to $50M+.
Houston is the largest city in Texas and the fifth-largest in the United States, with a metro population exceeding 7 million. The city's economy — anchored by energy, healthcare, aerospace, and manufacturing — supports one of the most diverse commercial real estate markets in the country.
Passy Capital helps Houston investors and developers secure financing for multifamily acquisitions, industrial properties, ground-up construction, fix-and-flip projects, and stabilized rental portfolios across the greater Houston area. We structure deals that reflect the realities of the Houston market.
Our lender network spans national banks, regional lenders, and private capital with extensive Houston experience. We navigate the specifics of the market — from flood zone considerations to the energy sector's impact on commercial demand.
Houston Market Highlights
5th Largest US City
Houston metro exceeds 7 million residents, with sustained population growth driven by domestic and international migration.
Energy Capital
Headquarters for major energy companies, Houston's energy sector drives demand for office, industrial, and executive housing.
Medical Center
The Texas Medical Center — the world's largest — anchors a massive healthcare economy and demand for medical office and multifamily.
Industrial Strength
Houston's port, petrochemical corridor, and logistics infrastructure support one of the top industrial markets in the US.
Affordable Entry Points
Lower land and construction costs compared to coastal metros enable attractive yields and favorable debt coverage on new projects.
No Zoning
Houston's unique lack of traditional zoning creates development flexibility and opportunities not available in other major metros.
Key Submarkets
Downtown Houston
Midtown
Montrose
The Heights
River Oaks
Galleria/Uptown
Medical Center
Energy Corridor
Katy
Sugar Land
The Woodlands
Pearland
Property Types We Finance
Multifamily
Industrial
Office
Retail
Mixed-Use
Single Family (1-4)
SFR Portfolios
Medical Office
Loan Programs
Bridge Loans
Short-term financing for acquisitions and repositioning.
Construction
Ground-up and heavy rehab financing with flexible draws.
Renovation / Rehab
Value-add financing for rehab and repositioning.
Fix & Flip
Fast capital for residential and small commercial flips.
DSCR / Rental
Long-term rental financing based on property cash flow.
Learn More
Bridge Loans for Commercial Real Estate: The Complete Guide
Everything you need to know about CRE bridge loans — when to use one, typical terms, and how to secure the best rates.
DSCR Loans Explained: Rental Property Financing
DSCR loans let you qualify based on property cash flow, not personal income. Learn how they work and who qualifies.
Construction Loans: How to Finance Your Next Development Project
Draw schedules, typical terms, qualification requirements, and how ground-up development financing works.
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