South Central · Texas · Multifamily · First lien
Multifamily hard money loans in Houston, TX.
First-position multifamily loans in Houston, Texas (TX) — typically $1M–$5M, larger considered — for acquisitions, maturities, bridge and value-add plans. Reviewed and decided directly by the principals.
Stokley Intelligence · Updated September 2026
Multifamily Market Outlook 2026
A structured view of the developments shaping multifamily—and the situations those developments may create for owners, lenders and investors.
Houston market context
The Houston economy behind the collateral.
Houston is a global center for energy, petrochemicals, and medical research, with one of the largest ports in the country supporting international trade.
Funding requests commonly involve industrial and warehouse assets near the port and healthcare-adjacent commercial development.
Economic anchors
- Port of Houston
- Texas Medical Center
- Johnson Space Center
- Energy sector corporate headquarters
Multifamily underwriting
What we look at first.
- Trailing rent roll, collections and concessions
- Unit condition and the real cost of turns and deferred capex
- Expense load — insurance, taxes, payroll and utilities
- Submarket rents and competing new supply
- Sponsor's operating track record and management plan
Situations
Multifamily loans we see in Houston.
- Floating-rate bridge loans maturing before the property is ready for agency debt
- Acquisitions of underperforming communities with a renovation plan
- Lease-up after a renovation or new delivery
- Partnership disputes that require a buyout
Selling a multifamily 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
Houston, TX multifamily loan request.
Questions
Houston, TX multifamily loans, answered.
- Does Stokley Capital make multifamily loans in Houston, TX?
- Yes. We make first-position multifamily hard money and bridge loans in Houston, Texas (TX), typically $1M–$5M, with larger loans considered.
- What drives the Houston market?
- Houston is a global center for energy, petrochemicals, and medical research, with one of the largest ports in the country supporting international trade.
- What should a Houston multifamily 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 multifamily in Houston?
Send the property, amount and deadline. A principal will respond directly.