Texas Investor Loans and Mortgages

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

This is our intro page, You may already know what kind of loan you need If not please see ( 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+)

Skip reading , call or submit quick scenario :***** quick answer call 214 824 0417 or submit quick scenario – Texas Investor Loan Scenario.

We are DB Capital and have been in business since 2009 and our team since 2002.

We fund our “in house” loans and broker pending borrower needs:


Types of rental property loans AVAILABLE (updated March 1, 2021) – quick summary of type loans available as portfolio loan or institutional, asset based, “stated income” , more..(WE OFFER ALL AVAILABLE LOANS AND UNIQUE AS WE ARE LENDERS  AND INTERMEDIARY, MY GROUP CAN TAKE YOU THROUGH “BRRR” – REHAB TO RENTAL)

A +   Loan : 680 + credit, up to 80% , rates start in 4%s, 1:1 DSCR needed,  Loan Min 75k
B program: Not credit driven, 1.2 DSCR , rates start 6s , up to 75% LTV,   Loan Min 75k
C. “problem solving” loans for investors: 
“no ratio” program: Not DSCR Driven, credit driven (600-+) up to 75% LTV  ,  Loan Min 100k
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

DSCR Loans for Investors (Based on Property Cash-flow , best rate program)

Asset based ( Based on LTV of property)

Credit Based (Based on LTV and Credit score)

Up to 80% LTV on rental & investment property loan in Texas and other metro areas in US

Texas loans for investors, – to keep it simple, we have 30 year loans from 4% range for interest rate. We have stated / low doc/ No DSCR  loans from the 5’s (5% range for interest) . We have more detail explanation below. Interest rate is derived from several factors, the more you have the better the rate (LTV, credit, property value and cash flow, borrower income documentation, population …)

Do you Qualify

*****If you want a quick answer call 214 824 0417 or submit quick scenario – Texas Investor Loan Scenario.

Borrowers  , Know your rent, expenses (tax, insurance , etc…) When you purchased , how much, total repair costs. (Did you Rehab to Rent?)


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 5.5 – 7% , 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.




More on 3 basic types of loans for our Texas Investors :

  • The following 3 categories (portfolio loans , both institutional grade and private funds are our specialty, and 3rd Institutional Long term (non qm , “wall street” type funding)
    1. Portfolio Loans : Typically Banks, Credit Union, Life insurance companies and some non bank private funds (These are not mortgage banks) – Portfolio , or Balance Sheet lending loans , These are “story” loans. Maybe you have been turned down because you are self employed, or fluctuations in income. If your “story” is strong, meaning you have explanations, good cash reserves, compelling experience, other we can make loans that conventional mortgage banks cannot (again , a initiation of govt. insured mortgages) .
  • 2..****(THE MOST FLEXIBLE ) Private (non institutional ) – hard money ,Non Bank: (Hedge Funds, Private individuals and small funds,even crowd funding)- higher rates (6% +plus) but if you have recent poor credit, not much income to show , out town owner of rental property , or other reasons these may be the best option.(1-4 unit investment rentals).

    3. These low rate long term loans but rigid in credit score (most today require 680)

    “no income” loans and stated loans would fall under this category. No DSCR loans would typically fall here if long term.

  • ***STATED INCOME LOANS AND BANK STATMENT LOANS ARE AVAILABLE WITH PRIVATE LENDING (More Non – bank loans) -IF YOU HAVE A RENTAL PROPERTY LOAN REQUEST CLICK BELOW – SAME DAY RESPONSE ON YOUR PREQAUL: (loan submission below)Quick Scenario – (our basic loan submission form)- Click and answer a few quick questions, this is also very good supplement to our full loan application. (This will tell us the quick story on the investor and the potential subject property)Do you need hard money for fix and flip – (rehab to rental), fund purchase and repairs then convert to a long term loan. : This is our hard money in Texas site for rehab-hard money , Urban Coyote Funding -Texas Rehab Loans) . All investors of real estate will at some point need a short term (hard money- rehab loan) , so please save site for your rehab loans.Land Lord & Rental property scenario (click here)- send us your scenario (RENTAL PROPERTY FINANCING SUPPLEMENT)quick application for investment property loans) – this asks specific questions about your property.Specializing in rental property Loans in Texas for Real Estate Investors since 2004**we need the “story”(the history and proforma of your investment property) of your deal – we are consultants & lenders – (what is value, loan amount, rent and expense- DSCR)? you may need a loan that does not use property cash flow or borrower income? (see more on investor loan programs and requirements) 

    SOFT Money (Non Bank Qualifying) , Fixed for 30 years – Whatever fits your need (rates from 4.5% – These loans are for the investor who “just misses” bank qualifications. Maybe you own 10+ properties, self employed, had bk or foreclosure in last 4 years. Hybrid underwriting- good for self employed investors or those not showing enough on tax returns (they use bank statements , property cashflow and tax returns). Even long term loans for those with scores under 600 (rates are in 8s for under 600 scores)


    1. You have quick request?, tell us your investment (Step1)loan scenario only- not an applicatiion, but scnario pitch****click(short online qualifier) (for all investor loans and portfolio/altern


  • Vary from 5 to 10% (pending size, complexity, and overall deal strength)
  • Loans from 75k – 2 million (can be more)
  • 1 year to 30  year loans

Texas and select states