BRIDGE LOANS · Texas (TX) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Texas Real Estate Bridge Loans (1–4 Unit, 5–25+ Unit Multifamily & Commercial) — 2026 Rates, LTV Caps & State Rules

Texas Bridge Loans provide business-purpose real estate investors with Up to 80% LTV Acquisition / 75% Bridge Cash-Out across loan amounts from $100,000 – $15,000,000+ at 8.75% – 10.99% Interest-Only (12, 24 & 36 Months (With Extension Options), 640+ FICO min FICO, 10 – 15 Business Days close). In Texas (TX), lenders underwrite to a Non-Judicial (First Tuesday Deed of Trust — TX Prop. Code §51.002) statutory framework (35–55 days-day average timeline), a 1.68% average property tax rate (~$511/mo at the $365,000 state median), and $780/$100K hazard insurance (~$237/mo).

Max Leverage / LTC
Up to 80% LTV Acquisition / 75% Bridge Cash-Out
Min FICO: 640+ FICO
2026 Rate Band
8.75% – 10.99% Interest-Only
12, 24 & 36 Months (With Extension Options)
TX Security Instrument
Non-Judicial (First Tuesday Deed of Trust — TX Prop. Code §51.002)
35–55 days days avg timeline
TX Avg Tax & Ins
1.68% Tax
$780/$100K Hazard Ins

Texas County-Level Property Tax & Insurance Hubs (10)

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Texas Bridge Loans (2026) — Up to 80% LTV Acquisition / 75% Bridge Cash-Out, 8.75% – 10.99% Interest-Only | Stephen R. Mannenbach | Stephen Mannenbach