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Bartling Lending Partners

Mortgage Broker for Residential & Commercial Purpose Loans

Mortgage Broker for Residential & Commercial Purpose LoansMortgage Broker for Residential & Commercial Purpose LoansMortgage Broker for Residential & Commercial Purpose LoansMortgage Broker for Residential & Commercial Purpose Loans

Commercial Mortgage Broker

 

Secure commercial real estate loans in Texas for multifamily, owner-occupied, and multi-tenant commercial properties. We provide short-term and long-term financing solutions across major Texas markets, including Houston, Dallas, Austin, and San Antonio, as well as nationwide for qualified borrowers. Loan amounts range from $500K to $20M, tailored to your needs.

We specialize in matching clients with high-leverage commercial loans at competitive terms for both stabilized and non-stabilized properties. Our offerings include:


  • Bank, Agency, and CMBS Long-Term Financing: Ideal for stable multifamily and commercial properties.
  • Construction Loans: Fund your new commercial or multifamily project in Texas.
  • Purchase Loans: Acquire commercial real estate with flexible financing.
  • Refinance Options: Optimize existing loans with better rates and terms.
  • Bridge and Stabilization Loans: Short-term solutions for properties in transition.
  • Preferred Equity: Bridge gaps in capital raises for your Texas projects.
  • Mezzanine and Second Mortgage Loans: Boost leverage for complex deals.


Why Choose Our Investor Loan Programs?

  • Flexible Options: From DSCR (Debt Service Coverage Ratio) loans to traditional investor financing, we match you with the right product for your goals.
     
  • No Bank Hassles: As independent brokers, we shop multiple lenders on your behalf, ensuring competitive rates and terms.
     
  • Asset-Based Lending: Qualify based on property performance, not just personal income. Perfect for investors scaling quickly.
     
  • 1–9 Unit Properties: Financing available for single-family rentals, duplexes, triplexes, four-plexes, and up to 9-unit properties.
     
  • Cash-Out Refinancing: Tap into your equity to reinvest in more properties and accelerate portfolio growth.
     

Who Benefits from Investor Loans?

  • First-time real estate investors looking to buy rental homes
     
  • Seasoned landlords adding more doors to their portfolio
     
  • House flippers seeking short-term financing solutions
     
  • Multi-unit property buyers in need of flexible, asset-based loans
     

Partner with Adam Bartling

At Bartling Lending Partners, we go beyond just funding—we focus on your investment strategy and long-term success. With no upfront credit check, an educational approach, and ongoing annual reviews, we’re your lender for life.


📞 Call or text Adam today at 713-301-0007 or apply online to explore your investor loan options


Contact us to explore commercial lending in Texas and secure the best financing for your multifamily or commercial property today.

Purchase, REfiance, Brdige & Construction Commercial Loans

Owner Occupied Commercial

Owner Occupied Commercial

Owner Occupied Commercial

Commercial Property Loan

Major National Markets

Up to 80% LTV Agency Loans

Up to 70% LTV PE Loans

DSCR 1.25+

5-30 year term 

$500,000 - $10M

Multi Family 5+ units

Owner Occupied Commercial

Owner Occupied Commercial

Multi-family bridge loans

 Major National Markets

Up to 80% LTV Agency Loans

Up to 70% LTV PE Loans

DSCR 1.25+ 5-9 units only

5-30 year term 

$500,000 - $10M

Multi Tenant Commercial

Owner Occupied Commercial

Short Term Bridge / Construction

Multi-tenant commercial real estate

Major National Markets

Up to 80% LTV Agency Loans

Up to 70% LTV PE Loans

DSCR 1.25+

Post Funding Lquidity 12+ months

5-30 year term 

$500,000 - $20M

Short Term Bridge / Construction

Short Term Bridge / Construction

Short Term Bridge / Construction

Multi-family construction loan

Up to 70% LTC for Ground-Up Construction

Up to 75% LTC for Value-Add

Rates from 9% — IO Fixed

Up to 36-month term + extension

Non-recourse

No Prepay

$500,000 - $5M


Preferred Equity

Short Term Bridge / Construction

Preferred Equity

Commercial Mortgage Broker in Texas

Up to 80% LTV

Rates from 12% — IO Fixed

Up to 5-year hold

Value-add, stabilized

$1M+


2nd Mortgage

Short Term Bridge / Construction

Preferred Equity

second mortgage for multi-family

 Up to 75% CLTV

Rates from 12% — IO Fixed

Up to 36-month term

Value-add, stabilized

$500,000 - $5M


Ready to Take the First Step?

 Schedule a consultation to determine which programs you qualify for in your area. 

Schedule a Call

Investor Loans by Adam Bartling

DSCR Rental Loans

rental property loans in texas

UP TO 80% LTV 1-4 UNITS

REQUIREMENTS

DSCR > 1.0

680+ US FICO

Rural Ok

No Experience Necessary

No Deferred Maintenances


FIX & FLIP 1-4 unit

fix & flip loans in texas

REQUIREMENTS

 $100K To $5MM

Up to 70% LTV

100% Of the Rehab

Terms 12 Months


100% Fix & Flip Financing

QUALIFICATIONS

Verifiable Experience 10+

700 Credit - 70% ARV & 100% Rehab budget

No Bankruptcy or Foreclosure  last 24 Months

LIQUIDITY

 25%of the Rehab Budget  or $20K, Which Ever is Greater, Plus Closing Costs. 

 Borrower's Primary Residence is Within 100 Miles Of the Subject Property or Borrower Has   Completed Similar Projects In the Same Market.

New to Construction

Experienced Construction

construction loans for investors in texas

REQUIREMENTS

Up to 70% LTC or 65% Of the ARV

12-Month Terms

1-4 Units

680 Minimum Credit Score

$100K - 1.5M

 TERMS: 12 to 24 Months

Interest Rates .74% to 1.17% Per Month

Contractor 3+ builds in 36 months

 Single Family Homes, Condos, Townhomes, 2-4 Units, 5+ Units, Mixed-Use and Commercial 

Experienced Construction

Multi Family UP to 70% LTV Construction

Experienced Construction

Construction lending in texas

 REQUIREMENTS

3+builds in last 36 Months. 


DEFFERED PAYMENTS available for Qualified Builders


Up to 85% LTC or 70% Of the ARV

12 to 24-Month Terms

660 Minimum Credit Scoree

$100K - 15M

TERMS: 12 to 24 Months

Interest Rates .74% to 1.17% Per Month

Contractor 3+ builds in 36 months


Multi Family UP to 70% LTV Construction

Multi Family UP to 70% LTV Construction

Multi Family UP to 70% LTV Construction

multifamily construction loans in texas

REQUIREMENTS

680+ US FICO

TERMS: 12 to 24 Months

Contractor 3+ builds in 36 months

 5+ Units, Mixed-Use and Commercial  

 

How Commercial Mortgage Brokers Bring Value Through Capital Stack Debt Management

  • Lower Cost of Capital: By blending different layers of financing, brokers help reduce the overall cost of borrowing.
     
  • Optimized Leverage: They ensure the right mix of debt and equity to maximize returns while maintaining financial stability.
     
  • Increased Funding Availability: When senior debt alone isn’t sufficient, brokers identify alternative financing sources such as mezzanine loans or preferred equity.
     
  • Improved Deal Viability: A well-structured capital stack makes a deal more attractive to investors and lenders, increasing its chance of success.
     

Key Roles of a Commercial Mortgage Broker


  1. Loan Structuring & Advisory
     
    • Brokers analyze a client’s financial situation, property value, and investment goals to structure the most suitable loan.
       
    • They help determine the right type of financing (bridge loans, permanent loans, CMBS loans, SBA loans, etc.).
       

  1. Lender Access & Negotiation
     
    • They have established relationships with a broad network of lenders and can negotiate better interest rates, terms, and loan covenants.
       
    • They match clients with lenders that best fit their needs (traditional banks, private lenders, agency lenders like Fannie Mae/Freddie Mac).
       

  1. Capital Stack Management
     
    • Brokers help clients optimize their capital stack, which includes a mix of senior debt, mezzanine debt, preferred equity, and common equity.
       
    • Proper structuring ensures a balance of leverage, risk, and cost of capital.
       

  1. Risk Mitigation & Compliance
     
    • They assess market conditions, debt coverage ratios (DCR), loan-to-value (LTV) ratios, and other risk factors.
       
    • They ensure clients meet lender requirements and navigate regulatory compliance.
       

  1. Time & Cost Efficiency
     
    • By leveraging their expertise, brokers save clients time and effort in sourcing and negotiating deals.
       
    • They help avoid unnecessary fees and structure financing in a way that enhances project profitability.
       


In short, commercial mortgage brokers add significant value by structuring financing solutions that align with their clients’ investment goals while effectively managing risk and cost. Would you like insights into a specific type of commercial financing or capital stack strategy?  

Schedule a Call

713-301-0007 Adam@BartlingLending.com


Copyright © 2023 Bartling Lending Partners - All Rights Reserved

 

 Adam Bartling NMLS #2213358  Residential mortgages originated under  AmNet ESOP Corporation (NMLS ID 1833427)  332 S Plant Ave Ste 4 Tampa, FL 33606    
Texas Mortgage Banker Disclosure: Pursuant to the requirements of section 157.007 of the Texas Mortgage Banker Act, chapter 157, Texas Finance Code, you are hereby notified of the following: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550..
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