Rio Grande Valley DSCR Long-Term Rental Lenders
Are you seeking long-term private financing for a residential rental property in the Rio Grande Valley (Brownsville and McAllen metro area)? 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 the Rio Grande Valley’s urban neighborhoods. 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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Diya Finance
Bridge and Rental Loans Made Easy
Center Street Lending
Smarter Loans for Residential Investors
LendingOne
Rental, Fix & Flip, New Construction, Fix to Rent, SFR Portfolio Loans Nationwide
Malve Capital LLC
Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.
Nationwide Mortgage - Rental Property Loans
DSCR 30-year Loans for Rental Properties Nationwide
Kiavi
Servicing 18,000+ Real Estate Investors Across the Country
Residential Capital Partners
100% Financing for Residential Rehab Projects (NO Money Down)
RCN Capital
Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans
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 2024 was 7.22%. The average loan amount was $286,630. These stats are the average of 462 loans funded for residential rental properties in Texas between October 1, 2024 and December 31, 2024 by multiple lenders that use Lightning Docs as their preferred software provider to prepare loan documents.
Top 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 January 2024 to December 2024.
- American Heritage Lending funded over $100,810,000
- Visio Lending funded over $83,620,000
- Renovo Financial funded over $73,680,000
- RCN Capital funded over $49,110,000
- ROC Capital funded over $44,610,000
- Constructive Capital funded over $43,240,000
- Easy Street Capital funded over $32,570,000
- LendingOne funded over $28,290,000
- Dominion Financial funded over $24,190,000
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 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 2024 to December 2024.
- Approximately $311,116,749 of private money loans were funded in the 4th quarter of 2024 for 861 borrowers.
- Approximately $221,253,958 of private money loans were funded in the 3rd quarter of 2024 for 724 borrowers.
- Approximately $231,128,365 of private money loans were funded in the 2nd quarter of 2024 for 648 borrowers.
- Approximately $176,947,813 of private money loans were funded in the 1st quarter of 2024 for 619 borrowers.
Below are the approximate DSCR loan volume amounts for Texas metropolitan areas:
Austin-Round Rock-San Marcos, TX
- 2024 Q4: $22,055,831 for 40 borrowers
- 2024 Q3: $16,400,391 for 30 borrowers
- 2024 Q2: $16,241,149 for 30 borrowers
- 2023 Q1: $9,844,092 for 26 borrowers
Dallas-Fort Worth-Arlington, TX
- 2024 Q4: $122,065,515 for 235 borrowers
- 2024 Q3: $67,980,065 for 185 borrowers
- 2024 Q2: $52,489,880 for 148 borrowers
- 2023 Q1: $47,079,760 for 157 borrowers
El Paso, TX
- 2024 Q4: $6,803,356 for 25 borrowers
- 2024 Q3: $6,672,036 for 30 borrowers
- 2024 Q2: $4,290,705 for 27 borrowers
- 2023 Q1: $5,289,825 for 24 borrowers
Houston-Pasadena-The Woodlands, TX
- 2024 Q4: $75,680,784 for 247 borrowers
- 2024 Q3: $59,483,875 for 203 borrowers
- 2024 Q2: $65,848,714 for 198 borrowers
- 2023 Q1: $56,826,048 for 182 borrowers
Killeen-Temple, TX
- 2024 Q4: $5,021,016 for 22 borrowers
- 2024 Q3: $4,889,083 for 21 borrowers
- 2024 Q2: $2,977,591 for 16 borrowers
- 2023 Q1: $4,163,533 for 18 borrowers
Lubbock, TX
- 2024 Q4: $4,194,851 for 18 borrowers
- 2024 Q3: $4,855,962 for 17 borrowers
- 2024 Q2: $5,483,941 for 17 borrowers
- 2023 Q1: $7,183,324 for 11 borrowers
Mcallen-Edinburg-Mission, TX
- 2024 Q4: $6,004,123 for 17 borrowers
- 2024 Q3: $2,757,408 for 12 borrowers
- 2024 Q2: $1,823,706 for 11 borrowers
- 2023 Q1: $2,121,456 for 13 borrowers
San Antonio-New Braunfels, TX
- 2024 Q4: $22,715,741 for 70 borrowers
- 2024 Q3: $16,484,814 for 73 borrowers
- 2024 Q2: $45,971,399 for 64 borrowers
- 2023 Q1: $14,812,848 for 55 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.
