DSCR Loans in Waller 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 Waller 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, 78 lenders made 227 investment-property loans there, 0.5% of Texas's total; the most active are in the table below.
Waller County investor market at a glance
| Statistic | Waller County | Texas | County rank |
|---|---|---|---|
| Investor loans | 227 | 49,613 | 37th of 51 |
| Reporting lenders | 78 | 903 | 36th of 51 |
| Loan volume | $54.3M | $13.00B | 36th of 51 |
| Average loan | $239K | $262K | 26th of 51 |
| Median loan | $215K | $205K | 17th of 51 |
| Purchases | 82.4% | 61.7% | 1st of 51 |
| Cash-out refinances | 7.0% | 17.9% | 51st of 51 |
| 2–4 unit properties | 8.4% | 8.8% | 30th of 51 |
| Top five lenders' share | 42.7% | 18.3% | 10th of 51 |
| Reported business-purpose | 55.9% | 68.5% | 46th of 51 |
Waller County: closed-end loans on 1–4 unit investment properties. Waller County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Waller County's investor loans.
What stands out in Waller County
82.4% of Waller County's investor loans were purchases, the highest share 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.
The five most active lenders wrote 42.7% of Waller County's investor loans, ranking 10th highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 42.7% of the loans here, so comparing written term sheets matters more.
Who are the DSCR and investment-property lenders in Waller County?
The most active investment-property lenders in Waller County in 2025 HMDA data were LENNAR MORTGAGE, LLC; UNITED SHORE FINANCIAL SERVICES, LLC; and AMWEST FUNDING CORP., out of 78 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 Waller County, and matches each file to the one most likely to fund it.
Waller County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 227 loans and $54.3M from 78 lenders. LENNAR MORTGAGE, LLC led Waller County with 56 loans, 24.7% of the county's total, and the average Waller County loan of $239K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| LENNAR MORTGAGE, LLC | 56 | $11.4M | $204K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 15 | $3.7M | $246K | 60.0% |
| AMWEST FUNDING CORP. | 12 | $2.7M | $225K | 100.0% |
| A&D Mortgage LLC | 7 | $1.6M | $234K | 100.0% |
| Rocket Mortgage, LLC | 7 | $1.5M | $214K | 71.4% |
| THE LOAN STORE, INC. | 5 | $1.5M | $305K | 80.0% |
| KBHS HOME LOANS, LLC | 5 | $1.1M | $229K | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 5 | $1.0M | $197K | 60.0% |
| LIMA ONE CAPITAL, LLC | 4 | $1.6M | $403K | 25.0% |
| PENNYMAC LOAN SERVICES, LLC | 4 | $1.3M | $323K | 25.0% |
| Kiavi Funding, Inc. | 4 | $1.1M | $283K | 75.0% |
| DHI MORTGAGE COMPANY, LTD. | 4 | $0.8M | $210K | 100.0% |
| OCMBC, INC. | 4 | $0.8M | $190K | 75.0% |
| Cadence Bank | 3 | $1.6M | $548K | 100.0% |
| CHAMPIONS FUNDING, LLC | 3 | $1.5M | $498K | 66.7% |
| DEEPHAVEN MORTGAGE LLC | 3 | $0.8M | $252K | 100.0% |
| CMG MORTGAGE, INC. | 3 | $0.7M | $245K | 66.7% |
| Commerce Home Mortgage, Inc. | 3 | $0.4M | $135K | 66.7% |
| BPL MORTGAGE TRUST, LLC | 2 | $0.9M | $430K | 0.0% |
| Citadel Servicing Corporation | 2 | $0.6M | $320K | 100.0% |
| Hometown Equity Mortgage, LLC | 2 | $0.6M | $280K | 50.0% |
| BRIGHTLAND MORTGAGE SERVICES, LTD. | 2 | $0.5M | $260K | 100.0% |
| CORNERSTONE CAPITAL BANK, SSB | 2 | $0.5M | $255K | 100.0% |
| NexBank | 2 | $0.5M | $225K | 0.0% |
| NFM, INC. | 2 | $0.4M | $220K | 100.0% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Waller County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Waller County CSV, all 25 lenders
What Waller County's table can't show you: fit. Short-term financing is exempt from HMDA, so Waller County's fix-and-flip and bridge lenders barely appear among its 78 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 Waller County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Waller 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 — Waller County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 78 lenders and 227 loans: 2025 HMDA loan-level data rolled up to Waller County.
- Waller County investor-lender dataset (CSV) — All 25 Waller 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.