DSCR Loans in Hays 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 Hays 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, 157 lenders made 501 investment-property loans there, 1.0% of Texas's total; the most active are in the table below.
Hays County investor market at a glance
| Statistic | Hays County | Texas | County rank |
|---|---|---|---|
| Investor loans | 501 | 49,613 | 22nd of 51 |
| Reporting lenders | 157 | 903 | 15th of 51 |
| Loan volume | $156.5M | $13.00B | 16th of 51 |
| Average loan | $312K | $262K | 5th of 51 |
| Median loan | $235K | $205K | 7th of 51 |
| Purchases | 76.2% | 61.7% | 5th of 51 |
| Cash-out refinances | 10.0% | 17.9% | 46th of 51 |
| 2–4 unit properties | 10.4% | 8.8% | 19th of 51 |
| Top five lenders' share | 37.9% | 18.3% | 16th of 51 |
| Reported business-purpose | 55.5% | 68.5% | 47th of 51 |
Hays County: closed-end loans on 1–4 unit investment properties. Hays County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Hays County's investor loans.
What stands out in Hays County
The five most active lenders wrote 37.9% of Hays County's investor loans, ranking 16th highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 37.9% of the loans here, so comparing written term sheets matters more.
76.2% of Hays County's investor loans were purchases, ranking 5th 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 Hays County?
The most active investment-property lenders in Hays County in 2025 HMDA data were LENNAR MORTGAGE, LLC; CMG MORTGAGE, INC.; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 157 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 Hays County, and matches each file to the one most likely to fund it.
Hays County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 501 loans and $156.5M from 157 lenders. LENNAR MORTGAGE, LLC led Hays County with 72 loans, 14.4% of the county's total, and the average Hays County loan of $312K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| LENNAR MORTGAGE, LLC | 72 | $14.8M | $205K | 100.0% |
| CMG MORTGAGE, INC. | 43 | $16.5M | $385K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 33 | $11.2M | $340K | 78.8% |
| DHI MORTGAGE COMPANY, LTD. | 23 | $4.7M | $206K | 100.0% |
| THE LOAN STORE, INC. | 19 | $5.9M | $312K | 36.8% |
| Rocket Mortgage, LLC | 10 | $1.9M | $187K | 50.0% |
| VELOCIO MORTGAGE L.L.C. | 9 | $2.4M | $267K | 100.0% |
| PULTE MORTGAGE LLC | 8 | $1.7M | $213K | 100.0% |
| KIND LENDING, LLC | 7 | $2.1M | $306K | 85.7% |
| Loandepot.Com, LLC | 7 | $2.1M | $304K | 85.7% |
| Kiavi Funding, Inc. | 7 | $1.7M | $248K | 28.6% |
| UNIVERSITY Federal Credit Union | 7 | $1.7M | $244K | 57.1% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 7 | $0.9M | $125K | 57.1% |
| Hometown Equity Mortgage, LLC | 6 | $2.2M | $360K | 66.7% |
| NEWREZ LLC | 6 | $2.1M | $343K | 16.7% |
| PANORAMA MORTGAGE GROUP, LLC | 6 | $0.8M | $127K | 100.0% |
| CHAMPIONS FUNDING, LLC | 5 | $1.6M | $325K | 40.0% |
| PENNYMAC LOAN SERVICES, LLC | 5 | $1.3M | $255K | 60.0% |
| Fairway Independent Mortgage Corporation | 4 | $1.9M | $485K | 50.0% |
| LOANPEOPLE, LLC | 4 | $1.5M | $378K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 4 | $1.3M | $335K | 100.0% |
| GEO-CORP, INC. | 4 | $1.1M | $280K | 100.0% |
| HOME FINANCING UNLIMITED, INC. | 4 | $0.9M | $225K | 100.0% |
| AAXY L.L.C. | 4 | $0.9M | $215K | 50.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | $0.8M | $195K | 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 Hays County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Hays County CSV, all 25 lenders
What Hays County's table can't show you: fit. Short-term financing is exempt from HMDA, so Hays County's fix-and-flip and bridge lenders barely appear among its 157 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 Hays County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Hays 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 — Hays County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 157 lenders and 501 loans: 2025 HMDA loan-level data rolled up to Hays County.
- Hays County investor-lender dataset (CSV) — All 25 Hays 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.