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Program 05

CRE Bridge in Amarillo

Amarillo bridge loans for multifamily and logistics deals.

Commercial bridge loans up to $10M, up to 75% LTV, interest-only, with terms of 24 to 36 months and cash-out available. Amarillo's live commercial story is a multifamily construction wave and an I-40 and BNSF logistics base, which is where a bridge into permanent debt gets used. Business-purpose only, and every structure is set in underwriting.

CRE Bridge in Amarillo, TX from USA Mortgage
$10M
max loan
24-36 mo
terms
All types
property
Cash-out
available

Typical figures, subject to underwriting and market conditions. Not a commitment to lend.

How it works

Use bridge capital to reposition an asset, buy out a partner, or stabilize before a refinance. We move quickly on commercial deals that banks find too time-sensitive. When the asset is stabilized, we refinance you out of the bridge and into long-term permanent debt, which we also place in house, so you have a clear exit from day one.

Who it's for
Value-add commercial real estate
Repositioning and lease-up
Partner buyouts
Pre-stabilization holds
Typical terms
Loan amountUp to $10M
Max leverageUp to 75% LTV
TermUp to 24 to 36 months
RateFrom 9.00%*
PaymentsInterest-only
StructureBridge or cash-out
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*Typical terms, subject to underwriting and market conditions.

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Local FAQ

CRE Bridge in Amarillo, answered.

Why is multifamily the live Amarillo bridge story?
Because 43 buildings and 962 units were permitted in two years. The Amarillo permit office reported 30 buildings and 650 units of 5-plus multifamily in 2024 ($93.3 million) and 13 buildings and 312 units in 2025 ($45.8 million), about $139 million of declared value in a metro of 276,000. New buildings that have to lease up before they qualify for permanent debt are the textbook use for a bridge. It also means a stabilized-rent assumption has to survive that supply.

Sources: www2.census.gov

What tenant base supports small-bay industrial in Amarillo?
A logistics economy on I-40 and the BNSF rail line. Trade, transportation, and utilities is the largest supersector in the Amarillo metro at 25,964 jobs, 21% of covered employment in the first quarter of 2025. That is the tenant pool for small-bay industrial, contractor yards, and flex space. We found no metro industrial vacancy, rent, or cap-rate data, so use a local broker's current numbers rather than ours.

Sources: data.bls.gov

Can I size an Amarillo bridge off published vacancy and cap rates?
Not from us, because we found none we can stand behind. Metro commercial vacancy, rents, and cap rates for any asset class were not located in primary sources, and we will not substitute a national or statewide number for a local one. Underwriting a bridge here rests on the property's in-place and projected income, the borrower's exit, and an independent appraisal.
What is the exit from an Amarillo bridge?
Permanent debt once the asset stabilizes. The anchor tenancy in the metro is medical and federal: hospitals employed 4,590 people across 13 establishments at a $1,383 average weekly wage in the first quarter of 2025, and Pantex runs more than 4,600 full-time personnel on its site in Carson County. We place that permanent debt in house, so a bridge has a defined exit from day one. See the CRE permanent program page.

Sources: data.bls.gov, pantex.energy.gov

What carry should a commercial bridge in Amarillo underwrite?
County line, a rising city rate, and hail. On 2025 rates the Potter County side of Amarillo stacks to 2.112080 per $100 and the Randall County side to 1.922830, with no homestead relief on commercial property. The city adopted 0.430700 against a no-new-revenue rate of 0.373550, about 15.3% above it. The insurance data we have is homeowners, not commercial: it shows paid wind and hail losses of $3,088 per policy in Potter and $3,270 in Randall in 2025, so get a commercial quote with the roof schedule on the specific building.

Sources: comptroller.texas.gov, tdi.texas.gov

More CRE Bridge questions, answered on the program page

Resources

Guides for CRE Bridge

Rates & Costs · 5 min read
Hard Money Loan Rates and Costs, Explained
Read the guide
Bridge · 4 min read
What Is a Bridge Loan in Real Estate?
Read the guide
Getting Funded · 4 min read
LTV vs LTC: What's the Difference?
Read the guide
Getting Funded · 4 min read
How Fast Can a Hard Money Loan Close?
Read the guide
Browse all guides
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CRE Bridge vs. other options

Comparison
Bridge Loan vs DSCR Loan
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About the local figures on this page

Local rules move. Every tax rate, fee, ordinance and market figure here comes from a primary source and carries the date we read it, and we correct them as the rules change. Where a number is mid-change or we could not verify it, we say so rather than guess. Before you commit a budget, confirm anything that drives it with the city or county, and talk to your attorney or CPA on questions of law or tax.

Published by USA Mortgage Funding, LLC, NMLS #152588. Researched from primary sources by our team, drafted with AI assistance, and every figure checked against its source before publishing. Where an answer rests on a public record, that record is linked under it. Figures read on 2026-09-04.

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