Dallas DSCR Loan Lenders for Long-Term and Short-Term Rentals
Are you seeking long-term private financing for a residential rental property in Dallas? On this page you'll find a list of lenders that offer these “DSCR” loans for single family homes, condos, and 2-4 unit rental properties in Dallas’s urban areas. Some lenders consider vacation rentals (aka short-term rental or STR). The maximum loan-to-value is 80%. For a purchase, investors need a minimum down payment of 20%, and it could be higher depending on the debt service coverage ratio (DSCR), borrower’s credit score and location. The minimum credit score is 680 for most lenders. The loan terms range from 5 to 30 years.Searching...
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RCN Capital
Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans
Accolend
No Points, 0% Origination Fee | Residential, Multifamily, Mixed-Use
i Fund Cities
Direct Lender for Builders and Rehabbers
Residential Capital Partners
100% Financing for Residential Rehab Projects (NO Money Down)
Certain Lending
The Mortgage Company Built for Real Estate Investors
Conventus
We Fund Fast While Providing Excellent Service and Competitive Pricing
LendingOne
Rental, Fix & Flip, New Construction, Fix to Rent, SFR Portfolio Loans Nationwide
Griffin Funding
Private Money Lender - Get the financing you need
Malve Capital LLC
Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.
Kiavi
Servicing 18,000+ Real Estate Investors Across the Country
Center Street Lending
Smarter Loans for Residential Investors
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
Temple View Capital
Direct Lender for Residenital Property Investors Nationwide
Top 12 Texas DSCR Lenders for Rental Properties
According to SFR Analtyics, here are the top private lending companies that are funding DSCR long-term loans secured by residential rental properties in Texas, along with the approximate loan volume funded. The list ranks each lender by the total loan volume originated throughout Texas from July 2025 to September 2025.
- Renovo Financial funded over $32,107,514
- LendingOne funded over $26,582,599
- American Heritage Lending funded over $24,290,437
- Visio Lending funded over $23,045,672
- Business Purpose Capital LLC funded over $15,392,038
- Constructive Capital funded over $15,374,461
- Willfull Properties LLC funded over $13,701,599
- CV3 Financial Services funded over $8,120,030
- Easy Street Capital funded over $7,885,653
- Housemax Funding LLC funded over $7,712,284
- Conventus LLC funded over $7,709,999
- RCN Capital funded over $5,737,805
Click the links to view each lender’s profile. The lenders without a link do not have an active Lender Link profile. The loan volume amounts mentioned are approximate. Not every loan has maturity data, so some lender’s volume may be higher than shown.
SFR Analtyics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market..
Texas DSCR Loan Interest Rates
According to the loan documents software company, Lightning Docs, the average interest rate for Texas DSCR long-term rental loans in the 4th quarter of 2025 was 7.01%. The average loan amount was $290,134. These stats are the average of 964 loans funded for residential rental properties in Texas between October 1, 2025 and December 31, 2025 by multiple lenders that use Lightning Docs as their preferred software provider to prepare loan documents.
Texas DSCR Rental Loan Volume
According to SFR Analytics, here is the approximate quarterly volume of DSCR loans secured by residential rental properties in Texas which were funded from January 2025 to December 2025.
- Approximately $- of DSCR rental loans were funded in the 4th quarter of 2025 for - borrowers.
- Approximately $260,380,907 of DSCR rental loans were funded in the 3rd quarter of 2025 for 719 borrowers.
- Approximately $190,135,602 of DSCR rental loans were funded in the 2nd quarter of 2025 for 777 borrowers.
- Approximately $191,078,520 of DSCR rental loans were funded in the 1st quarter of 2025 for 746 borrowers.
Below are the approximate DSCR loan volume amounts for Texas metropolitan areas:
Austin-Round Rock-San Marcos, TX
- 2025 Q4: $- for - borrowers
- 2025 Q3: $11,571,650 for 20 borrowers
- 2025 Q2: $8,599,472 for 21 borrowers
- 2025 Q1: $6,313,661 for 17 borrowers
Dallas-Fort Worth-Arlington, TX
- 2025 Q4: $- for - borrowers
- 2025 Q3: $87,055,203 for 215 borrowers
- 2025 Q2: $59,477,256 for 223 borrowers
- 2025 Q1: $62,612,505 for 217 borrowers
El Paso, TX
- 2025 Q4: $- for - borrowers
- 2025 Q3: $1,202,300 for 6 borrowers
- 2025 Q2: $2,571,322 for 13 borrowers
- 2025 Q1: $1,475,000 for 3 borrowers
Houston-Pasadena-The Woodlands, TX
- 2025 Q4: $- for - borrowers
- 2025 Q3: $58,716,178 for 179 borrowers
- 2025 Q2: $48,604,315 for 208 borrowers
- 2025 Q1: $51,208,367 for 202 borrowers
Killeen-Temple, TX
- 2025 Q4: $- for - borrowers
- 2025 Q3: $3,710,267 for 21 borrowers
- 2025 Q2: $2,709,167 for 20 borrowers
- 2025 Q1: $2,554,244 for 20 borrowers
Lubbock, TX
- 2025 Q4: $- for - borrowers
- 2025 Q3: $14,727,899 for 28 borrowers
- 2025 Q2: $1,043,335 for 9 borrowers
- 2025 Q1: $1,220,460 for 9 borrowers
Mcallen-Edinburg-Mission, TX
- 2025 Q4: $- for - borrowers
- 2025 Q3: $9,131,650 for 12 borrowers
- 2025 Q2: $964,000 for 3 borrowers
- 2025 Q1: $1,727,143 for 8 borrowers
San Antonio-New Braunfels, TX
- 2025 Q4: $- for - borrowers
- 2025 Q3: $14,228,980 for 55 borrowers
- 2025 Q2: $18,605,971 for 100 borrowers
- 2025 Q1: $11,215,207 for 61 borrowers
SFR Analytics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market.
