10Y Treasury 4.29% Prime Rate 6.75% SOFR 3.65% CMBS Rate 6.74% SBA 7(a) 9.50%

Lending Markets

Commercial Mortgage Markets —
FL · TX · TN · GA · NC · SC

First Realty Capital specializes in commercial loan origination across six high-growth Sun Belt states, with deep market intelligence on hotel supply, ALF demand, and SBA program availability in every major submarket.

🌴 Florida Commercial Mortgage Market

Key Markets: Miami · Orlando · Tampa · Fort Lauderdale · Naples · Jacksonville · Fort Myers · West Palm Beach · St. Petersburg · Gainesville

Florida is First Realty Capital's largest hotel PIP refinance market. The state has the highest concentration of 2015–2017 vintage select-service hotels (IHG, Hilton, Marriott) approaching their first major franchise PIP cycle. RevPAR growth of +3.4% YoY supports post-renovation value uplift. Florida also has USDA B&I eligible rural zones in Osceola, Levy, Gilchrist, and Lafayette counties — ideal for assisted living facility financing.

RevPAR Growth
3.4% YoY
Avg Occupancy
72%
Cap Rate (Select-Svc)
7.25–7.75%
USDA B&I Eligible
✅ (Rural Counties)
Top PIP Pipeline
IHG · Hilton · Marriott

Get a Quote for Florida →

⭐ Texas Commercial Mortgage Market

Key Markets: Dallas/Fort Worth · Houston · Austin · San Antonio · El Paso · Corpus Christi

Texas has the highest RevPAR growth rate in our target region (+4.1% YoY), driven by corporate relocations to DFW, Austin's tech sector, and Houston's energy and medical corridor. The Dallas/Fort Worth metroplex has the largest select-service hotel inventory in the state. San Antonio and El Paso offer strong occupancy fundamentals with lower construction costs.

RevPAR Growth
4.1% YoY
Avg Occupancy
68%
Cap Rate
7.25–8.0%
USDA B&I Eligible
✅ (West TX rural)
Top PIP Pipeline
Hampton · Courtyard · HIE

Get a Quote for Texas →

🎸 Tennessee Commercial Mortgage Market

Key Markets: Nashville · Memphis · Knoxville · Chattanooga

Tennessee — and Nashville in particular — is the #1 HOT sub-market in our Lead Intelligence scoring. Nashville's RevPAR growth of +6.2% YoY is driven by record tourism, corporate relocation (Oracle, Amazon), and convention center expansion. Memphis and Knoxville have strong refinance maturity pipelines with lower supply risk. Chattanooga is an emerging leisure-corporate hybrid market.

RevPAR Growth
5.2% Statewide
Nashville RevPAR
6.2% YoY — #1
USDA Eligible
✅ (Rural East TN)
Top Brands
HIE · Hampton · Fairfield
IRR Target
13–18% levered

Get a Quote for Tennessee →

🍑 Georgia Commercial Mortgage Market

Key Markets: Atlanta · Savannah · Augusta · Macon · Columbus

Atlanta is a top-5 US CMBS hotel market — national brands maintain strong occupancy driven by Hartsfield-Jackson Airport (world's busiest) and Midtown/Buckhead corporate demand. Savannah's ADR is growing the fastest in the state (+5.3%), driven by Port of Savannah expansion and Gulfstream aerospace. Augusta benefits from Masters Tournament demand and Fort Eisenhower military presence.

RevPAR Growth
3.8% YoY
Atlanta CMBS Vol.
Top-5 Nationally
Savannah ADR Gr.
5.3% YoY
USDA Eligible
✅ (Rural SW Georgia)
Top Pipeline
Courtyard · Fairfield · HIE

Get a Quote for Georgia →

🌲 North Carolina Commercial Mortgage Market

Key Markets: Charlotte · Raleigh/Durham · Asheville · Greensboro · Winston-Salem

Charlotte and the Research Triangle (Raleigh/Durham) are among the fastest-growing job markets in the Southeast, driving consistent corporate hotel demand. Asheville is a premium leisure submarket with limited new supply and ADR significantly above state average. The Piedmont Triad (Greensboro/Winston-Salem) has a strong manufacturing and logistics base with steady hotel occupancy.

RevPAR Growth
4.4% YoY
Charlotte Job Growth
5.1% YoY
Asheville Supply Risk
Low
USDA Eligible
✅ (Western Mountains)
Top Pipeline
Hampton · Fairfield · HIE

Get a Quote for North Carolina →

🌊 South Carolina Commercial Mortgage Market

Key Markets: Charleston · Myrtle Beach · Columbia · Greenville · Spartanburg

Charleston is one of the most desirable leisure and corporate mixed-demand markets in the Southeast — limited supply and high barriers to entry support premium ADR. Myrtle Beach is the largest tourism market in the state with strong seasonal RevPAR peaks. Greenville-Spartanburg benefits from BMW, Michelin, and Upstate manufacturing demand. Columbia is driven by University of South Carolina and Fort Jackson.

RevPAR Growth
4.6% YoY
Charleston ADR
Premium tier
Myrtle Beach Demand
Seasonal leisure
USDA Eligible
✅ (Lowcountry rural)
Top Pipeline
Hampton · HIE · Fairfield

Get a Quote for South Carolina →