Midas Financials
Dallas-based · Texas-focused

Work with a finance broker who understands the deal.

Midas Financials helps hotel buyers, property owners, and commercial real estate sponsors package transactions, identify lender options, and pursue acquisition, refinance, bridge, SBA, and private-credit financing across Texas.

Hotel acquisition & refinanceSBA · bridge · private creditDeal packaging & lender outreach
Midas Financials
Illustrative engagementExample
AssetHotel
MarketTexas
NeedAcquisition
Hotel & HospitalityCommercial Real EstatePrivate CreditBridge FinancingSBA OptionsTexas Markets
Capital solutions

Capital solutions for hotel and commercial real estate sponsors.

One advisory relationship across the capital stack — from a single hotel acquisition to a multi-asset refinance. We package the deal and take it to the lenders most likely to fund it.

Primary practice

Hotel & Hospitality Financing

Flagged and independent hotels, limited- and full-service. We translate STR performance, PIP scope, and flag requirements into a lender-ready story.

  • Acquisition loans
  • Refinance & cash-out
  • SBA 7(a) / 504
  • Bridge & reposition
  • Construction & PIP
  • Note purchase
Explore hotel financing

Commercial Real Estate

Multifamily, office, retail, and industrial debt for Texas sponsors and owners.

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Private Lender / Credit

Non-bank and private-credit capital for speed, flexibility, or transitional assets.

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Bridge Financing

Short-term capital to acquire, stabilize, or buy time toward permanent debt.

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Construction & PIP

Ground-up, renovation, and brand-mandated property improvement plans.

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The Midas method

What a lender-ready package looks like.

Lenders fund the story, not just the asset. We assemble the borrower profile, asset performance, and capital structure into a single review they can act on — then take it to the desks whose appetite actually fits the deal.

Senior debt bank · SBA · agency
~70%
Mezzanine / preferred private credit
~15%
Sponsor equity at risk
~15%
Deal Capital Review
Illustrative financing snapshot
Example
Asset typeLimited-service hotel
MarketDallas–Fort Worth, TX
Financing needAcquisition / Refinance
Loan requestTo be scoped
Next stepPackage for lender review
Illustrative example only — not a real or closed transaction.Submit a Deal
How we work

A hands-on process, run by someone who's closed it before.

01

Submit the deal

Share the basics — asset, market, and financing need.

02

Initial review

We assess the financing need and likely lender fit.

03

Package

Borrower profile, asset performance, and capital structure.

04

Match lenders

We approach desks whose appetite fits the deal.

05

Compare terms

Review structure, pricing, and conditions side by side.

06

Closing support

We coordinate diligence through funding.

Texas markets

Focused on Texas hotel & CRE financing.

View all locations
32.78°N · 96.80°W

Dallas

DFW hospitality, mixed-use, and infill commercial real estate.

Dallas financing
29.76°N · 95.37°W

Houston

Energy-corridor hotels, medical-center adjacency, and CRE.

Houston financing
30.27°N · 97.74°W

Austin

High-growth hospitality and commercial development financing.

Austin financing
Lender readiness

What lenders usually need.

Have these ready and your deal moves faster. We'll tell you exactly which items matter for your specific transaction.

01 Borrower information

  • Personal financial statement (PFS)
  • Schedule of real estate owned (SREO)
  • Entity organizational documents
  • Sponsor / operator experience

02 Property & hotel operations

  • Trailing 12-month operating statements
  • STR report (hotels) or rent roll (CRE)
  • Franchise agreement & flag (if flagged)
  • Occupancy, ADR & RevPAR trend

03 Transaction details

  • Purchase contract or refinance payoff
  • Sources & uses / business plan
  • Existing debt & PIP / renovation scope
  • Target timeline & closing date
Midas Financials
Founder-Led Advisory
President · Midas Financials
The advisor

You're not filling out a form. You're working with a person who reads the deal.

Midas Financials is a founder-led brokerage. That means one experienced advisor stays on your transaction from the first call through closing coordination — packaging the borrower profile and asset story the way lenders actually underwrite them.

For hotel and commercial real estate owners working on serious transactions, that relationship is the difference between a deal that stalls and one that gets in front of the right desk.

  • Deal packaging support
  • Multiple lender-path evaluation
  • Hotel & hospitality fluency
  • Bank · SBA · bridge · private credit
Borrower resources

Run your numbers before you submit.

Practical tools to size a deal — not toys. Estimates only; final terms depend on lender underwriting.

DSCR Calculator

Estimate debt-service coverage from net operating income and annual debt service.

$
$
Estimated DSCR1.33×

Most lenders look for 1.25×+ on hotels

Open full calculator

Hotel Loan Payment

Model monthly principal & interest across loan amount, rate, and amortization.

Open calculator

Hotel Financing Checklist

The full document list lenders request for hotel and CRE transactions.

View checklist

Frequently Asked Questions

Is Midas Financials a lender?
No. Midas Financials is a commercial finance broker and advisor. We help borrowers identify and navigate lender options, prepare documentation, and coordinate the financing process. All financing is subject to lender approval and underwriting.
Can you guarantee loan approval?
No. We cannot guarantee approval or specific terms. Lender decisions depend on borrower strength, property performance, collateral, market conditions, and lender appetite. We help position your deal for the best possible outcome.
How long does commercial financing typically take?
Timelines vary by loan type and lender. Bridge loans may close in 30–60 days; conventional and SBA hotel loans often require 60–120+ days. We provide realistic timeline guidance based on your deal structure and lender requirements.
What is the minimum loan size you work with?
We typically focus on commercial deals of $1M and above, though we evaluate each opportunity individually. Hotel and CRE transactions in Texas are our primary focus.
What DSCR do hotel lenders typically require?
Many hotel lenders target 1.20x–1.35x DSCR, though requirements vary by flag, market, loan type, and sponsor. Strong sponsorship and market fundamentals may offset thinner coverage in some cases.
What documents will I need to submit?
Common requirements include personal financial statements, entity documents, trailing 12-month operating statements, STR reports (for hotels), rent rolls, leases, and a purchase contract or refinance payoff statement. We provide a tailored checklist for your deal.
Should I pursue SBA or conventional financing?
SBA 504/7(a) programs can offer favorable terms for owner-occupied or qualifying hotel deals but involve additional requirements and timelines. Conventional lenders may move faster but often require stronger DSCR and larger equity. We help compare options.
Which Texas markets do you cover?
We work across Texas with deep experience in Dallas-Fort Worth, Houston, Austin, and statewide commercial real estate markets. Local market knowledge helps us match deals to appropriate lender appetites.

Have a hotel or commercial real estate deal that needs financing?

Submit the basics of your transaction and Midas Financials will review the financing need, borrower profile, property details, and potential lender paths.

Submitting a deal does not guarantee financing. Terms depend on borrower strength, property performance, collateral, lender appetite, and underwriting. Midas Financials is a broker/advisor, not a direct lender.