DSCR Loans in Dallas 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 Dallas 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, 343 lenders made 3,859 investment-property loans there, 7.8% of Texas's total; the most active are in the table below.
Dallas County investor market at a glance
| Statistic | Dallas County | Texas | County rank |
|---|---|---|---|
| Investor loans | 3,859 | 49,613 | 2nd of 51 |
| Reporting lenders | 343 | 903 | 3rd of 51 |
| Loan volume | $1.29B | $13.00B | 2nd of 51 |
| Average loan | $335K | $262K | 3rd of 51 |
| Median loan | $235K | $205K | 7th of 51 |
| Purchases | 49.5% | 61.7% | 45th of 51 |
| Cash-out refinances | 25.9% | 17.9% | 5th of 51 |
| 2–4 unit properties | 7.2% | 8.8% | 34th of 51 |
| Top five lenders' share | 24.4% | 18.3% | 42nd of 51 |
| Reported business-purpose | 80.2% | 68.5% | 3rd of 51 |
Dallas County: closed-end loans on 1–4 unit investment properties. Dallas County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Dallas County's investor loans.
What stands out in Dallas County
By share of investor loans reported as business-purpose, Dallas County ranks third-highest of Texas's 51 counties with published data (statewide: 68.5%).
80.2% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
The average investor loan in Dallas County was $335K, the third-highest average of Texas's 51 counties with published data (statewide: $262K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
Who are the DSCR and investment-property lenders in Dallas County?
The most active investment-property lenders in Dallas County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Kiavi Funding, Inc.; and RF RENOVO MANAGEMENT COMPANY, LLC, out of 343 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 several that reported in Dallas County, and matches each file to the one most likely to fund it.
Dallas County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 3,859 loans and $1.29B from 343 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Dallas County with 276 loans, 7.2% of the county's total, and the average Dallas County loan of $335K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 276 | $62.2M | $225K | 42.4% |
| Kiavi Funding, Inc. | 227 | $67.4M | $297K | 75.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 212 | $94.4M | $445K | 51.4% |
| THE LOAN STORE, INC. | 115 | $30.3M | $264K | 57.4% |
| OCMBC, INC. | 113 | $25.0M | $221K | 28.3% |
| AMERICAN HERITAGE LENDING, LLC | 107 | $36.9M | $345K | 32.7% |
| HOMEXPRESS MORTGAGE CORP. | 81 | $20.3M | $251K | 24.7% |
| CHAMPIONS FUNDING, LLC | 80 | $25.4M | $318K | 22.5% |
| Easy Street Capital, LLC | 80 | $22.8M | $285K | 0.0% |
| Rocket Mortgage, LLC | 75 | $17.9M | $239K | 56.0% |
| BPL MORTGAGE TRUST, LLC | 63 | $12.3M | $195K | 11.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 61 | $23.2M | $381K | 42.6% |
| KIND LENDING, LLC | 59 | $17.4M | $295K | 49.2% |
| DEEPHAVEN MORTGAGE LLC | 55 | $15.6M | $283K | 18.2% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 53 | $16.5M | $311K | 11.3% |
| AMWEST FUNDING CORP. | 47 | $11.0M | $235K | 72.3% |
| A&D Mortgage LLC | 44 | $10.3M | $234K | 47.7% |
| CMG MORTGAGE, INC. | 40 | $13.1M | $327K | 70.0% |
| NEWREZ LLC | 39 | $9.2M | $236K | 43.6% |
| First Bank | 39 | $8.6M | $221K | 66.7% |
| Hometown Equity Mortgage, LLC | 38 | $18.7M | $491K | 28.9% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 35 | $9.6M | $274K | 80.0% |
| PANORAMA MORTGAGE GROUP, LLC | 35 | $4.9M | $141K | 100.0% |
| LEI:254900CTT87ZKAUTIJ37 | 34 | $17.3M | $509K | 73.5% |
| JPMorgan Chase Bank, National Association | 34 | $12.9M | $379K | 50.0% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Dallas County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Dallas County CSV, all 25 lenders
What Dallas County's table can't show you: fit. Short-term financing is exempt from HMDA, so Dallas County's fix-and-flip and bridge lenders barely appear among its 343 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 several 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 Dallas County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Dallas 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 — Dallas County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 343 lenders and 3,859 loans: 2025 HMDA loan-level data rolled up to Dallas County.
- Dallas County investor-lender dataset (CSV) — All 25 Dallas County lenders in the table, UNITED SHORE FINANCIAL SERVICES, 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.