FundLoans for Texas investors
FundLoans is a broker-only DSCR lender with a $200,000 minimum and $6,000,000 maximum loan size — the largest maximum among the lenders added to this directory in September 2026. Minimum credit score is 660 with a 0.75 minimum DSCR. Maximum LTV is 80% on purchase/rate-term and 75% on cash-out refinance. The company does not publish rate or state-coverage figures in the sources reviewed.
Texas context
Texas no state income tax. Property tax burden among highest in nation. Strong investor activity statewide. Houston no zoning unique. Hurricane consideration on Gulf Coast.
How FundLoans positions in Texas
The Texas lender pool for DSCR includes FundLoans among the active platforms. Texas top metros (Houston, Dallas-Fort Worth, Austin) see meaningful FundLoans loan volume.
City-level coverage in Texas
FundLoans provides DSCR coverage across Texas metros including Houston, Dallas-Fort Worth, and Austin. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. FundLoans program terms apply uniformly across Texas metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | $200K - $6.0M |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 80% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Texas property tax | 1.9% |
| Texas state income tax | None |
FundLoans strengths in Texas
- Largest maximum loan size among the lenders added to this directory in September 2026 ($6,000,000)
- Broker-only origination
- 0.75 minimum DSCR
- 75% LTV on cash-out refinance
Ideal borrower: Broker-originated borrower financing a large-balance DSCR loan up to $6,000,000.
FAQ
Likely; verify direct Texas coverage. FundLoans is based in an undisclosed location and operates in states not publicly disclosed.
Houston is the top investor market in Texas and is generally within FundLoans states not publicly disclosed footprint. Houston property tax follows the Texas state rate of 1.9 percent. FundLoans typically underwrites Houston acquisitions at standard rate sheets.
Yes. Dallas-Fort Worth ranks among the larger Texas investor metros and sees consistent DSCR loan volume from FundLoans. Submarket variation within Dallas-Fort Worth matters for property selection.
FundLoans applies the same rate sheet across Texas metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Houston, Dallas-Fort Worth, and Austin all qualify for the same FundLoans program.
FundLoans does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Texas no state income tax. Property tax burden among highest in nation. Strong investor activity statewide. Houston no zoning unique. Hurricane consideration on Gulf Coast. FundLoans follows standard business-purpose loan structures.
FundLoans funds rental DSCR in Texas.
Texas allows standard DSCR prepay structures; FundLoans typically uses 3-5 year step down.
FundLoans typical close: Not publicly published.
Bottom line
For Texas DSCR borrowers, FundLoans is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with FundLoans.