1. Interest Rates & Tightening Credit
   Lenders have become more selective. Underwriting standards are stricter, and those who can present clean liens, strong cash flow, and credible exit strategies are getting the best access to capital.
2. Demand for Flexibility
   More borrowers are seeking bridge loans, interest-only periods, or creative structures to manage cash flow or bridge funding gaps.
3. Sector-by-Sector Variation
   • Multifamily and industrial properties continue to hold appeal — steady demand for housing and logistics keeps them more resilient.
   • Office space is still adjusting post-pandemic; vacancy rates and usage shifts are major underwriting concerns.
   • Retail and hospitality are showing signs of segmented recovery, especially in strong submarkets.
4. Regional Differences Count
   Market conditions in Houston, Dallas-Fort Worth, Austin, and San Antonio continue to diverge. Land costs, labor availability, and local regulation impact deal feasibility differently across metro areas.
5. Refinancing Pressure
   Properties with maturing debt are coming under stress, especially in cases where rising rates erode debt service coverage. Opportunity (and risk) lies here for savvy lenders, converters, or repositioners.

What This Means If You’re Making a Move

• Be sure your financials are transparent: NOI, cash-on-cash return, exit strategy — all should be clearly articulated.
• Engage early with multiple lenders. Competition helps.
• Consider locking in financing now, before rates climb further.
• Explore hybrid or creative financing (e.g. blended rate loans, short‐term interest‐only stretches) when holding periods are uncertain.

If you’re actively evaluating a purchase, refinance, or repositioning opportunity in Texas, I’d love to compare notes or talk strategy. Drop me a message or let’s connect.

NMLS# 2533210
Co NMLS# 2014622

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