DSCR Loans in Comal 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 Comal 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, 125 lenders made 366 investment-property loans there, 0.7% of Texas's total; the most active are in the table below.
Comal County investor market at a glance
| Statistic | Comal County | Texas | County rank |
|---|---|---|---|
| Investor loans | 366 | 49,613 | 28th of 51 |
| Reporting lenders | 125 | 903 | 22nd of 51 |
| Loan volume | $104.2M | $13.00B | 24th of 51 |
| Average loan | $285K | $262K | 11th of 51 |
| Median loan | $235K | $205K | 7th of 51 |
| Purchases | 64.8% | 61.7% | 19th of 51 |
| Cash-out refinances | 14.5% | 17.9% | 35th of 51 |
| 2–4 unit properties | 4.9% | 8.8% | 40th of 51 |
| Top five lenders' share | 26.2% | 18.3% | 38th of 51 |
| Reported business-purpose | 60.4% | 68.5% | 42nd of 51 |
Comal County: closed-end loans on 1–4 unit investment properties. Comal County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Comal County's investor loans.
What stands out in Comal County
The five most active lenders wrote 26.2% of Comal County's investor loans, ranking 38th highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 26.2% of the loans here, so comparing written term sheets matters more.
4.9% of Comal County's investor loans financed a 2–4 unit property, ranking 12th lowest of Texas's 51 counties with published data (statewide: 8.8%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Who are the DSCR and investment-property lenders in Comal County?
The most active investment-property lenders in Comal County in 2025 HMDA data were LENNAR MORTGAGE, LLC; UNITED SHORE FINANCIAL SERVICES, LLC; and Liberty, out of 125 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 Comal County, and matches each file to the one most likely to fund it.
Comal County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 366 loans and $104.2M from 125 lenders. LENNAR MORTGAGE, LLC led Comal County with 34 loans, 9.3% of the county's total, and the average Comal County loan of $285K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| LENNAR MORTGAGE, LLC | 34 | $6.2M | $181K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 21 | $5.7M | $273K | 52.4% |
| Liberty | 16 | $2.2M | $135K | 100.0% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 14 | $3.2M | $227K | 42.9% |
| RPE Home, Inc | 11 | $2.6M | $235K | 36.4% |
| Kiavi Funding, Inc. | 10 | $3.2M | $323K | 70.0% |
| Jefferson Bank | 10 | $2.8M | $284K | 50.0% |
| CHAMPIONS FUNDING, LLC | 8 | $2.5M | $318K | 37.5% |
| Rocket Mortgage, LLC | 8 | $1.7M | $210K | 75.0% |
| Hometown Equity Mortgage, LLC | 7 | $2.8M | $405K | 28.6% |
| THE LOAN STORE, INC. | 7 | $2.1M | $302K | 71.4% |
| HOMEXPRESS MORTGAGE CORP. | 7 | $2.0M | $285K | 42.9% |
| Prosperity Bank | 7 | $1.9M | $272K | 100.0% |
| AAXY L.L.C. | 6 | $1.5M | $247K | 0.0% |
| Fairway Independent Mortgage Corporation | 5 | $1.2M | $247K | 80.0% |
| HOME FINANCING UNLIMITED, INC. | 5 | $1.1M | $211K | 100.0% |
| AMWEST FUNDING CORP. | 5 | $1.1M | $211K | 80.0% |
| LEI:254900CTT87ZKAUTIJ37 | 4 | $2.4M | $600K | 75.0% |
| PILGRIM MORTGAGE LLC | 4 | $1.7M | $428K | 50.0% |
| CLEAREDGE LENDING LLC | 4 | $1.2M | $310K | 75.0% |
| UNIVERSITY Federal Credit Union | 4 | $1.2M | $305K | 75.0% |
| Easy Street Capital, LLC | 4 | $1.1M | $278K | 0.0% |
| OCMBC, INC. | 4 | $1.1M | $268K | 75.0% |
| DHI MORTGAGE COMPANY, LTD. | 4 | $1.1M | $263K | 100.0% |
| KIND LENDING, LLC | 4 | $1.0M | $253K | 75.0% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Comal County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Comal County CSV, all 25 lenders
What Comal County's table can't show you: fit. Short-term financing is exempt from HMDA, so Comal County's fix-and-flip and bridge lenders barely appear among its 125 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 Comal County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Comal 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 — Comal County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 125 lenders and 366 loans: 2025 HMDA loan-level data rolled up to Comal County.
- Comal County investor-lender dataset (CSV) — All 25 Comal County lenders in the table, LENNAR MORTGAGE, LLC 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.