Lendai Finance for Texas investors
Lendai Finance specializes in foreign-national DSCR — non-US-resident investor financing on US real estate, a category most lenders won't touch.
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 Lendai Finance positions in Texas
Within Texas, Lendai Finance competes alongside other DSCR lenders. Lendai Finance strengths: foreign-national DSCR specialist, experienced cross-border underwriting. The high aggregate DSCR economics of Texas create demand for Lendai Finance programs in Houston and Dallas-Fort Worth particularly.
City-level coverage in Texas
Lendai Finance 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. Lendai Finance program terms apply uniformly across Texas metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, bridge, foreign-national |
| Loan size | $75K - $3.0M |
| Rates | 9.5%-12% |
| Points | 1 - 3 |
| Max LTV | 75% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 14-21 days typical |
| Texas property tax | 1.9% |
| Texas state income tax | None |
Lendai Finance strengths in Texas
- foreign-national DSCR specialist
- experienced cross-border underwriting
Ideal borrower: Foreign-national investor or LLC-wrapped investor
FAQ
Yes, operates nationally including Texas. Lendai Finance is based in New York, NY and operates nationally.
Houston is the top investor market in Texas and falls within Lendai Finance national coverage. Houston property tax follows the Texas state rate of 1.9 percent. Lendai Finance 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 Lendai Finance. Submarket variation within Dallas-Fort Worth matters for property selection.
Lendai Finance 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 Lendai Finance program.
Lendai Finance indicative DSCR rate range is 9.5 to 12 percent with 1 to 3 points.
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. Lendai Finance follows standard business-purpose loan structures.
Lendai Finance funds fix-and-flip, BRRRR, rental, bridge, foreign-national in Texas.
Texas allows standard DSCR prepay structures; Lendai Finance typically uses 3-5 year step down.
Lendai Finance typical close: 14-21 days typical.
Bottom line
Lendai Finance in Texas works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with Lendai Finance.