DSCR Loans in Johnson 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 Johnson 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, 106 lenders made 292 investment-property loans there, 0.6% of Texas's total; the most active are in the table below.
Johnson County investor market at a glance
| Statistic | Johnson County | Texas | County rank |
|---|---|---|---|
| Investor loans | 292 | 49,613 | 32nd of 51 |
| Reporting lenders | 106 | 903 | 25th of 51 |
| Loan volume | $72.8M | $13.00B | 31st of 51 |
| Average loan | $249K | $262K | 22nd of 51 |
| Median loan | $215K | $205K | 17th of 51 |
| Purchases | 58.2% | 61.7% | 35th of 51 |
| Cash-out refinances | 19.9% | 17.9% | 16th of 51 |
| 2–4 unit properties | 17.5% | 8.8% | 10th of 51 |
| Top five lenders' share | 27.1% | 18.3% | 32nd of 51 |
| Reported business-purpose | 60.6% | 68.5% | 40th of 51 |
Johnson County: closed-end loans on 1–4 unit investment properties. Johnson County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Johnson County's investor loans.
What stands out in Johnson County
17.5% of Johnson County's investor loans financed a 2–4 unit property, ranking 10th highest 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.
The five most active lenders wrote 27.1% of Johnson County's investor loans, ranking 32nd highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 27.1% of the loans here, so comparing written term sheets matters more.
Who are the DSCR and investment-property lenders in Johnson County?
The most active investment-property lenders in Johnson County in 2025 HMDA data were Grandview Bank; Pinnacle Bank; and CMG MORTGAGE, INC., out of 106 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 Johnson County, and matches each file to the one most likely to fund it.
Johnson County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 292 loans and $72.8M from 106 lenders. Grandview Bank led Johnson County with 27 loans, 9.2% of the county's total, and the average Johnson County loan of $249K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Grandview Bank | 27 | $4.6M | $172K | 33.3% |
| Pinnacle Bank | 19 | $3.5M | $187K | 57.9% |
| CMG MORTGAGE, INC. | 13 | $5.5M | $424K | 100.0% |
| Kiavi Funding, Inc. | 10 | $2.1M | $213K | 70.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 10 | $1.6M | $157K | 50.0% |
| DHI MORTGAGE COMPANY, LTD. | 9 | $1.8M | $195K | 100.0% |
| First Financial Bank | 7 | $1.7M | $242K | 85.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 7 | $1.4M | $206K | 57.1% |
| Loan Funder LLC | 6 | $4.5M | $758K | 100.0% |
| AMERITRUST MORTGAGE CORPORATION | 6 | $2.5M | $418K | 50.0% |
| Citizens National Bank of Texas | 6 | $2.1M | $355K | 83.3% |
| Susser Bank | 5 | $1.5M | $291K | 60.0% |
| AMWEST FUNDING CORP. | 5 | $1.3M | $251K | 80.0% |
| Loandepot.Com, LLC | 5 | $1.0M | $203K | 100.0% |
| AMERICAN HERITAGE LENDING, LLC | 5 | $1.0M | $197K | 0.0% |
| Rocket Mortgage, LLC | 4 | $1.3M | $318K | 25.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | $1.1M | $288K | 25.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | $0.9M | $233K | 25.0% |
| Simmons Bank | 4 | $0.9M | $215K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 4 | $0.7M | $175K | 100.0% |
| LENDINGONE, LLC | 3 | $1.4M | $482K | 0.0% |
| Ciera Bank | 3 | $1.4M | $468K | 100.0% |
| AML FUNDING LLC | 3 | $1.0M | $322K | 66.7% |
| NEWREZ LLC | 3 | $0.9M | $288K | 66.7% |
| THE LOAN STORE, INC. | 3 | $0.8M | $255K | 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 Johnson County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Johnson County CSV, all 25 lenders
What Johnson County's table can't show you: fit. Short-term financing is exempt from HMDA, so Johnson County's fix-and-flip and bridge lenders barely appear among its 106 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 Johnson County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Johnson 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 — Johnson County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 106 lenders and 292 loans: 2025 HMDA loan-level data rolled up to Johnson County.
- Johnson County investor-lender dataset (CSV) — All 25 Johnson County lenders in the table, Grandview Bank 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.