Where We Lend · Texas
Investment Property Loans in Texas
Texas combines no state income tax with investor-friendly property laws and one of the strongest rental-demand backdrops in the country. We bake tax-protest scenarios into our DSCR underwrite for DFW so your numbers aren't a moving target post-closing.
Loan programs available across Texas
DSCR Rental Loans
30-year fixed. No personal DTI. Closes on property cash flow.
Term30-year fixed, 5/1 and 7/1 ARM, interest-only availableLeverageUp to 80% LTV purchase, 75% LTV refiCredit660 (best pricing at 720+)Close21–30 days
Fix & Flip Loans
Up to 90% LTC. 75% ARV. 12-month terms.
Term6–18 month terms, interest-onlyLeverageUp to 90% LTC, 75% ARVCredit660Close10–21 days
Short-Term Rental (STR) Loans
Underwritten on AirDNA revenue, not LTR shadow rents.
Term30-year fixed, 10-year I/O, 5/1 ARMLeverageUp to 75% LTV purchaseCredit680Close25–35 days
Multifamily Bridge & Permanent
5+ unit properties. Bridge, value-add, and long-term.
Term2-year bridge through 30-year permanentLeverageUp to 80% LTV (agency), 75% LTC (bridge)CreditSponsor experience-driven, 680+ typicalClose45–75 days
Bridge Loans
Fast, flexible capital for time-sensitive acquisitions.
Term6–24 month terms, interest-onlyLeverageUp to 75% LTV, 80% LTC on value-addCredit660Close10–21 days
Ground-Up Construction Loans
Fund the build. Refinance into a DSCR on stabilization.
Term12–24 month construction, converts to 30-year DSCRLeverageUp to 85% LTC, 70% LTV on completionCredit680Close30–45 days
Ready to close your Texas deal?
Submit a scenario. Real term sheet within 24 hours.