MoFin Lending for Texas investors
MoFin Lending is a direct DSCR lender licensed in 34 states with a 700 minimum credit score — the highest credit floor among the lenders added to this directory in September 2026. Minimum loan size is $150,000. The company does not publish minimum DSCR, maximum loan size, LTV, or rate 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 MoFin Lending positions in Texas
Texas is well covered by national DSCR lenders, with MoFin Lending as one option. Where MoFin Lending differentiates: Licensed in 34 states. Where it competes: rates not publicly published against peer programs.
City-level coverage in Texas
MoFin Lending 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. MoFin Lending 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 | $150K - — |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | Not publicly published |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Texas property tax | 1.9% |
| Texas state income tax | None |
MoFin Lending strengths in Texas
- Licensed in 34 states
- Direct lender
- $150,000 minimum loan size
- Highest minimum credit score (700) among the lenders added to this directory in September 2026
Ideal borrower: Investor with a 700+ credit score and a $150,000+ loan size seeking a direct DSCR lender.
FAQ
Yes, operates nationally including Texas. MoFin Lending is based in an undisclosed location and operates nationally.
Houston is the top investor market in Texas and falls within MoFin Lending national coverage. Houston property tax follows the Texas state rate of 1.9 percent. MoFin Lending 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 MoFin Lending. Submarket variation within Dallas-Fort Worth matters for property selection.
MoFin Lending 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 MoFin Lending program.
MoFin Lending 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. MoFin Lending follows standard business-purpose loan structures.
MoFin Lending funds rental DSCR in Texas.
Texas allows standard DSCR prepay structures; MoFin Lending typically uses 3-5 year step down.
MoFin Lending typical close: Not publicly published.
Bottom line
Texas investors considering MoFin Lending should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with MoFin Lending.