Texas Multifamily Loans (5–8, 5–9, 5–10, 5–25 & 5+ Unit Apartment Financing) — 2026 Rates, LTV Caps & State Rules

Texas Multifamily (5+ Units) provide business-purpose real estate investors with Up to 75%–80% LTV Purchase / 70%–75% Cash-Out across loan amounts from $100,000 – $15,000,000+ at 6.50% – 8.50% (Perm) / 8.99%+ (Value-Add Bridge) (30-Yr Fixed, 5/1 & 7/1 ARM, 10-Yr IO, 24-Mo Bridge, 660+ FICO min FICO, 21 – 30 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).