DSCR Loans in Guadalupe 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 Guadalupe 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, 92 lenders made 357 investment-property loans there, 0.7% of Texas's total; the most active are in the table below.
Guadalupe County investor market at a glance
| Statistic | Guadalupe County | Texas | County rank |
|---|---|---|---|
| Investor loans | 357 | 49,613 | 29th of 51 |
| Reporting lenders | 92 | 903 | 32nd of 51 |
| Loan volume | $70.1M | $13.00B | 32nd of 51 |
| Average loan | $196K | $262K | 36th of 51 |
| Median loan | $175K | $205K | 31st of 51 |
| Purchases | 69.7% | 61.7% | 13th of 51 |
| Cash-out refinances | 17.4% | 17.9% | 24th of 51 |
| 2–4 unit properties | 3.6% | 8.8% | 43rd of 51 |
| Top five lenders' share | 42.3% | 18.3% | 12th of 51 |
| Reported business-purpose | 57.4% | 68.5% | 45th of 51 |
Guadalupe County: closed-end loans on 1–4 unit investment properties. Guadalupe County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Guadalupe County's investor loans.
What stands out in Guadalupe County
The five most active lenders wrote 42.3% of Guadalupe County's investor loans, ranking 12th highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 42.3% of the loans here, so comparing written term sheets matters more.
The average investor loan in Guadalupe County was $196K, ranking 16th lowest of Texas's 51 counties with published data (statewide: $262K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Who are the DSCR and investment-property lenders in Guadalupe County?
The most active investment-property lenders in Guadalupe County in 2025 HMDA data were LENNAR MORTGAGE, LLC; DHI MORTGAGE COMPANY, LTD.; and RANDOLPH-BROOKS FEDERAL CREDIT UNION, out of 92 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 Guadalupe County, and matches each file to the one most likely to fund it.
Guadalupe County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 357 loans and $70.1M from 92 lenders. LENNAR MORTGAGE, LLC led Guadalupe County with 87 loans, 24.4% of the county's total, and the average Guadalupe County loan of $196K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| LENNAR MORTGAGE, LLC | 87 | $14.2M | $163K | 100.0% |
| DHI MORTGAGE COMPANY, LTD. | 19 | $4.1M | $217K | 100.0% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 18 | $2.2M | $122K | 33.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 14 | $2.2M | $157K | 100.0% |
| Kiavi Funding, Inc. | 13 | $2.8M | $213K | 46.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 12 | $2.4M | $198K | 58.3% |
| PILGRIM MORTGAGE LLC | 11 | $2.2M | $200K | 81.8% |
| First United Bank and Trust Company | 7 | $2.2M | $316K | 71.4% |
| CMG MORTGAGE, INC. | 7 | $1.3M | $189K | 57.1% |
| GUARANTEED RATE, INC. | 6 | $1.9M | $310K | 0.0% |
| Hometown Equity Mortgage, LLC | 6 | $1.3M | $215K | 16.7% |
| LEI:254900CTT87ZKAUTIJ37 | 6 | $1.2M | $205K | 16.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 5 | $1.3M | $259K | 20.0% |
| Jefferson Bank | 5 | $0.9M | $181K | 100.0% |
| Broker Solutions, Inc. | 4 | $1.5M | $378K | 25.0% |
| RPE Home, Inc | 4 | $1.0M | $258K | 100.0% |
| Bank OZK | 4 | $1.0M | $250K | 100.0% |
| FIRST COMMERCIAL BANK, NATIONAL ASSOCIATION | 4 | $1.0M | $240K | 75.0% |
| DIRECTIONS EQUITY, LLC | 4 | $0.9M | $225K | 100.0% |
| OCMBC, INC. | 4 | $0.7M | $170K | 100.0% |
| U.S. Bank National Association | 4 | $0.7M | $170K | 100.0% |
| Citadel Servicing Corporation | 4 | $0.5M | $130K | 0.0% |
| KIND LENDING, LLC | 3 | $1.3M | $425K | 100.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 3 | $1.0M | $335K | 33.3% |
| PENNYMAC LOAN SERVICES, LLC | 3 | $0.8M | $252K | 66.7% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Guadalupe County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Guadalupe County CSV, all 25 lenders
What Guadalupe County's table can't show you: fit. Short-term financing is exempt from HMDA, so Guadalupe County's fix-and-flip and bridge lenders barely appear among its 92 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 Guadalupe County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Guadalupe 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 — Guadalupe County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 92 lenders and 357 loans: 2025 HMDA loan-level data rolled up to Guadalupe County.
- Guadalupe County investor-lender dataset (CSV) — All 25 Guadalupe 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.