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Texas (Rental) 

The Premier Private Money Lender for Texas (Rental)  Real Estate Investors

The Ideal Lender for DSCR Loans in Texas

When you see the potential in rental properties, so do we. And when you need DSCR loans in Texas that you can trust, we can deliver the financing you need to secure your next big investment. 

From knowledgeable loan officers to market analysts to financing packages tailored to your budget, experience, and investment needs, Lima One Capital is the perfect partner for your next portfolio expansion. Reach out to us today to discover our Texas DSCR loans and explore why we’re the ideal team to help you achieve your investment goals.

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Loan Types

Apply for DSCR Loans in Texas Today

When you find a fantastic investment opportunity, you deserve a financing partner to help you take it all the way. Our DSCR loans in Texas are prime solutions for a wide range of investments, such as single-family homes ripe for high returns. Take a look at the loans we offer below.

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FixNFlip

Our flexible FixNFlip loans simplify the approval process and enable you to move quickly, maximize your leverage, and pivot when necessary.

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  • FixNFlip
  • Fix2Rent
  • Bridge Plus
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New Construction

Whether your strategy is Build For Rent or Build for Sell, we specialize in vertical construction financing on infill, shovel-ready, fully entitled land on single builds or developments.

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  • New Construction
  • Build2Rent
  • Bridge Plus
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Bridge Plus

When you need to close quickly or want to buy some extra time to finalize your business plan, a basic Bridge Loan is the tool you need to add versatility and flexibility to your strategy.

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  • Bridge Loan for Builders
  • Bridge Loan for Rental Investors
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Rental

Our rental investment loans are flexible and versatile, giving you the leverage you need and the reliable capital you want.

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  • Portfolio Rental
  • Single Family Rental
  • Short-Term Rental

Why Lima One

Looking for Rental Property Loans in Texas?

Long-term financial success starts with the right lending partner.  

The key to investment success? Start with a lending partner you can count on. Lima One Capital is the best choice for DSCR loans in Texas’s major markets, including Dallas, Houston, and Austin. Our dependable service, deep market knowledge, and efficient approval process help you secure funding quickly, all while our ongoing support ensures you stay on track from acquisition to opening. 

 

Rental Capital You Can Count On as You Invest in Texas 

You can trust our financing to come through when you need it, just like you can count on income from prime rental properties in Texas. With capital sourced from MFA Financial, our loans are the green lights you need to get the ball rolling on your next investment. 

 

Knowledgeable Team for TX DSCR Loans 

Need strategic insights, questions answered, or just a helping hand with your loan process? That’s what our team is for. From experienced loan specialists to market analysts, we have the perfect people to ensure your investment is a success. 

 

Investor-Based Approval for Rental Property Loans in Texas

If you’ve had trouble finding financing with other partners, look no further. We base approvals for Texas DSCR loans on things like your previous experience, your liquidity, and more. We see value where others might miss it—just like you see value in your real estate investments. 

Texas (Rental)  Real Estate Investment Case Studies

Experience often translates to success, which is why we’ve gathered a lot from prior Texas DSCR loans and investment projects. Check out these case studies to see how we work with investors like you.

Houston, TX

Houston, TX

An investor looking to purchase a Houston home as an investment needed financing to purchase and complete heavy rehab on the home. However, the appraisal on the home came back lower than the seller preferred, which meant the investor needed to get creative to close the deal. So the investor came to Lima One for help.

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Fort Worth, Texas

Rental Premier – Fort Worth, Texas

In the rising interest rate environment of 2022, many single-family rental investors looked for certainty. This Texas investor wanted to get cash out of the equity of his rental portfolio in Fort Worth, Dallas, and Burleson, Texas, but also wanted to lock in 2022’s rates for the long term. So he set out on a search for a fixed-rate, fully-amortizing 30-year loan as a cash-out refinance.

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Bridge Plus - Dallas, TX
Dallas, TX

Bridge Plus – Dallas, TX

A client needed a loan to acquire a luxury home in Dallas to use as a single-family rental. He approached a bank, but the bank required a lease in place before originating the loan. The bank also spent too much time addressing its documentation requirements and underwriting concerns, endangering the deal.

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What is a DSCR Loan in Texas?

A Debt Service Coverage Ratio (DSCR) loan is a financing solution that looks at one big factor: how well the property the loan is for can repay the loan based on rental income. While factors like personal income and credit history are also taken into account, DSCR loan approval is primarily based on this aspect instead. 

For example, if you find a fantastic rental property with a high projected income, you could qualify for a DSCR loan to purchase the property, even if you might not qualify for other loan types. Your lender could see the likely income you’ll make from rental tenants and see the value in the investment. 

To analyze likely income, DSCR loans take the DSCR ratio into account, which compares a property’s gross rental income against its debt payments, including things like principal, interest, taxes, and so on. 

The bottom line? DSCR loans can be excellent tools to purchase prime rental real estate and grow your portfolio.  

Are These Good Rental Property Loans for Texas Real Estate?

Yes. And with Lima One Capital at your side, you could qualify for DSCR loans that enable you to secure high-quality properties quickly and affordably. With our assistance, you can expand your portfolio, grow your investments, and maximize returns from your assets more easily than through alternative lending solutions or financing partners. 

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