Can I Refinance My Houston Rental into a Commercial Loan?

Yes — commercial loans are available for 5+ unit properties or investors who want to hold properties in an LLC with non-recourse terms.

• What to know: Explore alternative financing options that many Houston landlords use to scale beyond conventional loan limits.
• Houston context: Houston's strong rent-to-value ratios make DSCR and portfolio lending particularly viable for local investment properties.
• Action step: Build relationships with multiple lender types — each offers different advantages depending on your portfolio size, income situation, and goals.

Bottom Line

Non-traditional refinance options have opened doors for Houston investors who previously couldn't qualify for conventional loans. Explore all available paths.