DSCR Loans in Bastrop County, Texas
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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Dominick Prevete arranges DSCR loans across Bastrop County, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.125% (October 2026), and most close in 14 days. In 2025 HMDA data, 66 lenders made 143 investment-property loans there, 0.3% of Texas's total; the most active are in the table below.
Bastrop County investor market at a glance
| Statistic | Bastrop County | Texas | County rank |
|---|---|---|---|
| Investor loans | 143 | 49,613 | 45th of 51 |
| Reporting lenders | 66 | 903 | 40th of 51 |
| Loan volume | $37.0M | $13.00B | 42nd of 51 |
| Average loan | $259K | $262K | 17th of 51 |
| Median loan | $235K | $205K | 7th of 51 |
| Purchases | 67.1% | 61.7% | 16th of 51 |
| Cash-out refinances | 14.7% | 17.9% | 33rd of 51 |
| 2–4 unit properties | 8.4% | 8.8% | 30th of 51 |
| Top five lenders' share | 32.9% | 18.3% | 22nd of 51 |
| Reported business-purpose | 58.7% | 68.5% | 44th of 51 |
Bastrop County: closed-end loans on 1–4 unit investment properties. Bastrop County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Bastrop County's investor loans.
What stands out in Bastrop County
The five most active lenders wrote 32.9% of Bastrop County's investor loans, ranking 22nd highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 32.9% of the loans here, so comparing written term sheets matters more.
67.1% of Bastrop County's investor loans were purchases, ranking 16th highest of Texas's 51 counties with published data (statewide: 61.7%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
Who are the DSCR and investment-property lenders in Bastrop County?
The most active investment-property lenders in Bastrop County in 2025 HMDA data were The First National Bank of Bastrop; Easy Street Capital, LLC; and GENWAY HOME MORTGAGE, INC., out of 66 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including one that reported in Bastrop County, and matches each file to the one most likely to fund it.
Bastrop County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 143 loans and $37.0M from 66 lenders. The First National Bank of Bastrop led Bastrop County with 16 loans, 11.2% of the county's total, and the average Bastrop County loan of $259K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| The First National Bank of Bastrop | 16 | $4.7M | $291K | 68.8% |
| Easy Street Capital, LLC | 10 | $2.8M | $277K | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 8 | $1.3M | $165K | 100.0% |
| DHI MORTGAGE COMPANY, LTD. | 7 | $1.5M | $216K | 100.0% |
| Frontier Bank of Texas | 6 | $2.3M | $387K | 83.3% |
| HOMEXPRESS MORTGAGE CORP. | 6 | $1.6M | $262K | 0.0% |
| CMG MORTGAGE, INC. | 6 | $1.3M | $212K | 83.3% |
| Assurance Financial Group, L.L.C. | 5 | $1.5M | $297K | 20.0% |
| LENNAR MORTGAGE, LLC | 4 | $0.9M | $230K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 3 | $1.0M | $332K | 33.3% |
| THE LOAN STORE, INC. | 3 | $1.0M | $328K | 100.0% |
| PARKSTONE MORTGAGE, LLC | 3 | $0.9M | $312K | 100.0% |
| GEO-CORP, INC. | 3 | $0.9M | $295K | 100.0% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 3 | $0.7M | $222K | 0.0% |
| Loandepot.Com, LLC | 2 | $0.6M | $300K | 100.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 2 | $0.5M | $245K | 100.0% |
| Kiavi Funding, Inc. | 2 | $0.5M | $225K | 100.0% |
| First Option Mortgage, LLC | 2 | $0.4M | $185K | 100.0% |
| Stride Bank, National Association | 2 | $0.3M | $175K | 100.0% |
| EVERETT FINANCIAL, INC. | 2 | $0.3M | $170K | 50.0% |
| NexBank | 2 | $0.3M | $145K | 0.0% |
| 21st Mortgage Corporation | 2 | $0.1M | $65K | 100.0% |
| SouthState Bank, National Association | 1 | $0.6M | $615K | 100.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | $0.6M | $605K | 100.0% |
| SOUTHERN LENDING SERVICES, LTD. | 1 | $0.6M | $565K | 100.0% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Bastrop County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Bastrop County CSV, all 25 lenders
What Bastrop County's table can't show you: fit. Short-term financing is exempt from HMDA, so Bastrop County's fix-and-flip and bridge lenders barely appear among its 66 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →National Loan Provider is an independent broker and maintains wholesale relationships with some listed lenders. Appearing in this table is not an endorsement or a recommendation.
Run the coverage test on your Bastrop County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Bastrop County property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Bastrop County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 66 lenders and 143 loans: 2025 HMDA loan-level data rolled up to Bastrop County.
- Bastrop County investor-lender dataset (CSV) — All 25 Bastrop County lenders in the table, The First National Bank of Bastrop first, with volume, average loan and purchase share for each.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.125%, as of October 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.