DSCR Loans in Dallas, TX
Find lenders offering dscr loans in the Dallas, including Fort Worth, Arlington, Plano, and surrounding areas. Compare rates, terms, and programs from 42 lenders.
Which DSCR lenders serve Dallas?
42 lenders offering dscr loans in the Dallas, TX area.
Easy Street Capital
LocalAustin, TX
Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.
Tidal Loans
LocalHouston, TX
Texas-based private money lender. Hard money, bridge, and DSCR rental loans for real estate investors nationwide.
Visio Lending
LocalAustin, TX
Dedicated rental property lender. DSCR-only, specializing in long-term and short-term rental financing for investors. Streamlined process for experienced landlords.
Finance of America
LocalPlano, TX
National lender with DSCR rental property loans through its commercial division. Also offers reverse mortgages and business purpose lending for investors.
MortgageRight
LocalAustin, TX
National wholesale lender with DSCR programs for rental property investors. Offers competitive rates with streamlined processing for investment properties.
A&D Mortgage
Fort Lauderdale, FL
Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.
Angel Oak Mortgage Solutions
Atlanta, GA
Major non-QM and DSCR lender. Investor cash flow loans up to $1.5M. 40-year terms with interest-only options. No limit on properties.
Civic Financial Services
Redondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
CoreVest Finance
Irvine, CA
Rental portfolio and bridge lender for residential real estate investors. Build-to-rent and portfolio financing specialist. Redwood Trust subsidiary.
CrossCountry Mortgage
Cleveland, OH
Large national lender offering DSCR, bank statement, and non-QM mortgage products alongside conventional and government loans.
Defy Mortgage
FL
DSCR lender with flexible terms. Accepts DSCR as low as 0.75 or no ratio. Up to 85% LTV on SFR purchases. Available in 35+ states.
Griffin Funding
CA
Nationwide DSCR lender. No income verification, DSCR as low as 0.75. Up to $5M loan amounts. Also offers VA, conventional, and non-QM loans.
JMAC Lending
CA
DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.
Kiavi
San Francisco, CA
Technology-driven lender (formerly LendingHome). $16B+ in loans funded. DSCR rental loans and bridge loans for fix-and-flip.
Lending One
Boca Raton, FL
National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.
What does the Dallas commercial real estate market look like?
Dallas anchors the northern half of the DFW metroplex, one of the largest and most active CRE markets in the United States, with a diversified economy spanning financial services, technology, telecommunications, and corporate headquarters. Uptown Dallas and the Turtle Creek corridor represent the metro's premier office and mixed-use submarkets, while the Las Colinas/Irving area houses a dense cluster of Fortune 500 headquarters including ExxonMobil's former campus and the new corporate headquarters campus corridor along SH-114. The I-35E and I-45 south Dallas industrial corridors have seen enormous build-to-suit distribution development, with DFW consistently ranking among the top three industrial markets nationally by absorption. Frisco and the Legacy/Plano corridor north of Dallas continue to attract corporate relocations, with PGA of America, Charles Schwab, and Toyota having established major campuses.
Key Economic Drivers
- ●Fortune 500 corporate headquarters concentration including AT&T, CBRE, Texas Instruments, and Kimberly-Clark
- ●Frisco and Plano Legacy corridor attracting major relocations from PGA of America, Charles Schwab, and Toyota
- ●DFW International Airport, one of the world's busiest, driving logistics, hospitality, and corporate location decisions
- ●Deep Ellum and Design District creative economy revitalizing the east side of downtown Dallas
Market Insight
DFW ranked as the top U.S. metro for corporate relocations and expansions for multiple consecutive years, driven by Texas's lack of state income tax, relatively low commercial real estate costs compared to coastal markets, and a central geographic location.
How do dscr loans work in Dallas, Texas?
Debt Service Coverage Ratio (DSCR) loans let real estate investors qualify based on the property's rental income rather than personal income or employment. Ideal for investors building a portfolio without traditional income documentation. In the Dallas metro area, borrowers can access 42 lenders offering DSCR financing, including Fort Worth, Arlington, Plano, and surrounding areas. Loan amounts typically range from $100K to $5M with rates from 7.0% - 9.5%.
Who should consider dscr loans?
- Real estate investors
- Portfolio builders
- Self-employed borrowers
- Foreign nationals
What are the key requirements?
- Minimum credit score: 620-680
- DSCR ratio ≥ 1.0
- Down payment: 20-25%
- Property must be investment (not owner-occupied)
Advantages
- ✓No personal income verification
- ✓Unlimited properties
- ✓Fast closing
- ✓LLC/entity vesting allowed
Considerations
- •Higher rates than conventional
- •Larger down payment
- •Prepayment penalties common
- •Minimum DSCR ratio required (typically 1.0-1.25)
DSCR Loans in Dallas FAQ
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