Texas Investor Loans and Mortgages Overview

Our Mission – DB Capital & Urban Coyote Holdings, LLC –  Investor Loans and Mortgages in Texas and beyond


This is our  Investor Loan “overview” page,  ( Below is a quick summary of the market for “landlord”   & rental property loans.) We can arrange funding in Texas and most metro areas with population of 15,000+)

***DSCR and landlord loan rates are up. Ask about interest only loans or alternative loans to DSCR, try our portfolio loans, rates in 7s today. (UPDATED 7 13- 22)

call or submit quick loan scenario :***** quick answer call 214 824 0417 or submit quick scenario – Texas Investor Loan Scenario. (DSCR, BRRR,Stated, more…) 

*We are DB Capital  (an Urban Coyote Holdings, llc – Texas company) and have been in business since 2009 and our team since 2002.

**note DB Capital / Urban Coyote  Holdings does not originated loans for primary residence , if you need some alternative , non bank loans , portfolio loans, we have separate company  – Texasmortgageplace.com

SECTION 1) Types of rental property loans AVAILABLE (updated JULY 11, 2022) – quick summary of type loans available as portfolio loan or institutional, asset based, BRRR, DSCR, “stated income” , more..


A +)   Loan : 680 + credit, up to 80% , rates start in  (June of 2022 , the market is a mess….)rates start in 6’s 
(This is DSCR and credit driven loan, the best rates)
B program): Not credit driven, (ltv  and cash flow  DRIVEN) , need value, loan amt, rent and expenses
C.)  “problem solving” loans for investors: (all credit types, all property types, more “asset based”)
“no ratio” program: Not DSCR Driven, credit driven (600-+) up to 75% LTV  ,  Loan Min 100k
D) More problem solving loans   : as of June of 2022 more bridge loans are needed. FEDS raise rates again today JUNE 15th
Bridge – Hard Money (50-250K ) , no appraisal needed to close
Bridge program 2 : (250k ) , up to 70% ARV,
Our basic hard /private money is not credit driven , although to get sub 11% , 650 credit is needed



Types of loan Documentation and  expected LTV and Rate ranges for Investment property morgages. 

full doc  (conventional type loans – rates from 3’s)
alt – lite doc (Bank Statement, portfolio loans , rates from 4s’)
Non Conventional – Non QM investor loans & Mortgages: rates from 5s ,
stated income
no DSCR loans (This means no rental  income analysis ) Some call “no ratio” lending
660 is probably min credit score for low rate long term funding.
No Credit , low credit  or any  credit under 660  , We can fund your loan but there are more limitations on LTV  and cashflow-  Do you have cash flowing property – 60-70% ltv, there is a solution?
Note***If you have below 680 credit many lenders will not be able to offer financing. Ask about our “portfolio problem solver” loan. Case by case review based on overall property LTV, cash flow and location. Borrower credit score not deciding factor but should have personal cash flow and recent good credit – ask us – 214 824 0417


***** NEW BRIDGE loans  *** 1-2 year bridge loans  rates from 7- 9% , 200k – 1.5 million in Texas and the Southwest, good for higher priced homes. No credit min, good for property that has loan coming due, or maybe doesnt cash flow properly now. Gives you time to remedy the short term situation.