Investment property loans in Texas
Texas combines population growth with builder-friendly permitting, which is why so much ground-up and build-to-rent volume lands here. The catch is property tax: it's high enough that it materially changes DSCR math, so it has to be modeled from actual assessments rather than assumed.
What we watch on Texas deals
- High property tax rates directly compress DSCR — always underwrite from the real assessment.
- No state income tax continues to drive corporate relocation and tenant in-migration.
- Texas has specific rules around cash-out on homestead property; investment property is the cleaner path.
Texas markets we know
We lend across all of Texas. These are the markets where we can talk specifics before you even send the deal.
Dallas
DFW's job growth and corporate relocations keep tenant demand deep, and the spread between renovated and unrenovated stock in the older ring suburbs is wide enough to support real flip margins. It's a market where volume investors operate, so financing that scales across multiple concurrent projects matters.
Houston
Houston has no zoning, which makes it unusually friendly to infill construction and lot-splitting strategies that simply aren't possible in most metros. Combined with an energy and medical employment base, it supports both build-to-rent and heavy renovation at scale.
San Antonio
San Antonio is the affordability counterweight to Austin — entry prices where the rent-to-price ratio still supports cash flow, with military and healthcare employment that keeps occupancy stable through cycles.
How we finance Texas deals
Fix & Flip Loans
Purchase + rehab capital, funded in days—priced on ARV.
DSCR Rental Loans
Qualify on the property's cash flow—no tax returns, no W-2s.
New Construction Loans
Ground-up capital from a lender who's actually built homes.
Bridge Loans
Short-term capital to bridge the gap between deals.
Build-to-Rent Loans
One lender for both phases: construct, then convert to DSCR.
Have a Texas deal?
Send it over and an advisor will come back with leverage, pricing, and next steps — usually same day.
Have a deal? Let's get it funded.
Tell us about your project and get a same-day read on terms. No obligation, no impact to your credit to prequalify.