South Central · Texas · Mixed-Use · First lien
Mixed-use hard money loans in El Paso, TX.
First-position mixed-use loans in El Paso, Texas (TX) — typically $1M–$5M, larger considered — for acquisitions, maturities, bridge and value-add plans. Reviewed and decided directly by the principals.
El Paso market context
The El Paso economy behind the collateral.
El Paso functions as a binational trade and logistics hub on the US-Mexico border, supported by manufacturing and military presence.
Common requests include industrial and distribution facilities supporting cross-border trade and retail near port-of-entry corridors.
Economic anchors
- Fort Bliss
- Ysleta-Zaragoza international bridge
- University of Texas at El Paso
- Maquiladora-linked manufacturing base
Mixed-Use underwriting
What we look at first.
- Income split and stability by component
- Residential rents and commercial tenancy
- Zoning, condo structure and separate metering
- Local foot traffic and neighborhood trajectory
- Capital needs across the building
Situations
Mixed-use loans we see in El Paso.
- Refinancing buildings that do not fit a single lender category
- Acquisitions needing speed ahead of a competing buyer
- Commercial lease-up beneath stabilized residential
- Renovation of older main-street buildings
Selling a mixed-use property in Texas? Stokley also buys real estate as a principal. Submit it for acquisition.
Hard money lending guidelines
Asset-based financing. We focus on the property's value and the owner's equity, not a credit score. Low credit does not rule out a request. Every deal is subject to underwriting.
- Annual rate
- From 11.5%
- Origination
- From 2% of the loan amount
- Term
- 6 to 12 months
- Payments
- Interest only
- Loan-to-value
- Up to 70%
- Lien position
- First position only
Third party closing costs are separate.
Every term sheet is different. Every deal goes through underwriting and has specific terms. These are guidelines, not a commitment to lend.
Request loan terms
El Paso, TX mixed-use loan request.
Questions
El Paso, TX mixed-use loans, answered.
- Does Stokley Capital make mixed-use loans in El Paso, TX?
- Yes. We make first-position mixed-use hard money and bridge loans in El Paso, Texas (TX), typically $1M–$5M, with larger loans considered.
- What drives the El Paso market?
- El Paso functions as a binational trade and logistics hub on the US-Mexico border, supported by manufacturing and military presence.
- What should a El Paso mixed-use loan request include?
- Property address, loan amount and purpose, current income and occupancy, existing debt, the business plan and the deadline. Rent rolls and operating statements help but are not needed for a first read.
- Are you a broker?
- No. Stokley Capital is a private real estate owner-operator that provides business-purpose loans. Decisions are made by the principals.
Nothing on this website is an offer to lend or a commitment of capital. All loans are subject to underwriting, due diligence, documentation and approval. Published lending guidelines are for general guidance only. Every deal goes through underwriting and has specific terms.
Next step
Financing mixed-use in El Paso?
Send the property, amount and deadline. A principal will respond directly.