DSCR Loans in Bell 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 Bell 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, 161 lenders made 769 investment-property loans there, 1.5% of Texas's total; the most active are in the table below.
Bell County investor market at a glance
| Statistic | Bell County | Texas | County rank |
|---|---|---|---|
| Investor loans | 769 | 49,613 | 15th of 51 |
| Reporting lenders | 161 | 903 | 13th of 51 |
| Loan volume | $148.5M | $13.00B | 18th of 51 |
| Average loan | $193K | $262K | 37th of 51 |
| Median loan | $165K | $205K | 35th of 51 |
| Purchases | 50.6% | 61.7% | 44th of 51 |
| Cash-out refinances | 24.6% | 17.9% | 7th of 51 |
| 2–4 unit properties | 23.8% | 8.8% | 3rd of 51 |
| Top five lenders' share | 22.8% | 18.3% | 48th of 51 |
| Reported business-purpose | 71.0% | 68.5% | 12th of 51 |
Bell County: closed-end loans on 1–4 unit investment properties. Bell County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Bell County's investor loans.
What stands out in Bell County
23.8% of Bell County's investor loans financed a 2–4 unit property, the third-highest share of Texas's 51 counties with published data (statewide: 8.8%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
24.6% of Bell County's investor loans were cash-out refinances, ranking 7th highest of Texas's 51 counties with published data (statewide: 17.9%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
Who are the DSCR and investment-property lenders in Bell County?
The most active investment-property lenders in Bell County in 2025 HMDA data were CV3 FINANCIAL SERVICES, LLC; UNITED SHORE FINANCIAL SERVICES, LLC; and Fairway Independent Mortgage Corporation, out of 161 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 two that reported in Bell County, and matches each file to the one most likely to fund it.
Bell County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 769 loans and $148.5M from 161 lenders. LEI:254900CTT87ZKAUTIJ37 led Bell County with 57 loans, 7.4% of the county's total, and the average Bell County loan of $193K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| LEI:254900CTT87ZKAUTIJ37 | 57 | $11.8M | $207K | 33.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 41 | $8.0M | $195K | 41.5% |
| Fairway Independent Mortgage Corporation | 31 | $4.5M | $147K | 77.4% |
| Cadence Bank | 23 | $5.0M | $216K | 73.9% |
| Central National Bank | 23 | $4.4M | $192K | 87.0% |
| THE LOAN STORE, INC. | 23 | $3.9M | $168K | 47.8% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 23 | $3.6M | $158K | 8.7% |
| First Texas Bank | 22 | $6.3M | $285K | 59.1% |
| HOMEXPRESS MORTGAGE CORP. | 22 | $3.3M | $152K | 13.6% |
| CHAMPIONS FUNDING, LLC | 16 | $3.4M | $215K | 18.8% |
| First National Bank Texas | 15 | $3.5M | $236K | 73.3% |
| Extraco Banks, National Association | 14 | $2.4M | $174K | 85.7% |
| LEI:549300KZ4HZESXAO1M36 | 13 | $3.0M | $227K | 53.8% |
| LIMA ONE CAPITAL, LLC | 13 | $2.8M | $213K | 23.1% |
| Emporium TPO LLC | 13 | $2.2M | $171K | 0.0% |
| Easy Street Capital, LLC | 13 | $2.1M | $165K | 0.0% |
| Alliance Bank Central Texas | 12 | $2.7M | $226K | 75.0% |
| Kiavi Funding, Inc. | 12 | $2.3M | $190K | 75.0% |
| CMG MORTGAGE, INC. | 12 | $1.9M | $158K | 66.7% |
| DHI MORTGAGE COMPANY, LTD. | 11 | $2.0M | $186K | 100.0% |
| Hometown Equity Mortgage, LLC | 11 | $1.8M | $160K | 9.1% |
| Rocket Mortgage, LLC | 11 | $1.5M | $138K | 18.2% |
| LEI:5493004T38NMC864VL66 | 8 | $1.2M | $146K | 0.0% |
| LEI:254900H565SUNWJ0IV44 | 7 | $1.9M | $271K | 100.0% |
| First United Bank and Trust Company | 7 | $1.9M | $265K | 85.7% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Bell County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Bell County CSV, all 25 lenders
What Bell County's table can't show you: fit. Short-term financing is exempt from HMDA, so Bell County's fix-and-flip and bridge lenders barely appear among its 161 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 Bell County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Bell 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 — Bell County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 161 lenders and 769 loans: 2025 HMDA loan-level data rolled up to Bell County.
- Bell County investor-lender dataset (CSV) — All 25 Bell County lenders in the table, LEI:254900CTT87ZKAUTIJ37 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.