Fix & Flip Loans
Short-term purchase and rehab financing for flips and fix-and-hold projects across the metroplex.
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Dallas-Fort Worth, TX
Investment Property Loans in Dallas-Fort Worth, TX
Fix and flip, DSCR rental, and new construction financing for Dallas-Fort Worth and Texas real estate investors, built around Texas property taxes, foundations, and growth markets.
Belsky Mortgage arranges fix and flip, DSCR rental, new construction, and commercial loans for real estate investors in Dallas, Fort Worth, the broader Dallas-Fort Worth metroplex, and across Texas. One short intake form is reviewed against multiple private lending sources, and a soft quote can often be turned around in a few hours once we have your property details.
Investment Property Loan Programs in Dallas-Fort Worth
DSCR Rental Loans
Long-term financing for rent-ready single-family homes, townhomes, and 2–8 unit properties in Dallas-Fort Worth, qualified on rent compared to total payment (PITIA) rather than personal income.
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New Construction Loans
Ground-up financing for infill lots, spec builds, and new-build rentals across Dallas-Fort Worth’s growth corridors, funded in draws as construction milestones are inspected.
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Commercial Loans
Bridge and permanent financing across Dallas-Fort Worth, from apartment buildings and mixed-use to retail, office, and self-storage, plus land and more.
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What Dallas-Fort Worth Investors Should Know Before They Apply
Property taxes drive DSCR
Texas has no state income tax, but property taxes are a major cost. Because DSCR loans divide rent by principal, interest, taxes, insurance, and association fees (PITIA), your county and school district tax rates and any reassessment can swing a deal from qualifying to not qualifying.
Special districts
Some newer suburban communities carry special districts, such as MUDs and PIDs, that add to annual tax bills. Include the full tax figure in your numbers, not just the base rate.
Foundations and soil
Foundation work is a common line item on Dallas-Fort Worth rehabs. Give your lender a detailed scope of work, and expect requests for supporting documentation, such as a contractor bid or engineer evaluation, on major structural items.
Insurance and roofs
Hail and wind exposure make roof age and insurability important. Get insurance quotes early and budget roof work into your rehab if needed.
Local Coverage
Where We Lend Around Dallas-Fort Worth
Not listed? We lend across Texas and in all 50 states. Send us the address and we’ll confirm what’s available.
| Area | Cities and communities |
|---|---|
| Dallas & Tarrant Counties | Dallas, Fort Worth, Arlington, Irving, Garland, Grand Prairie, Mesquite |
| Collin & Denton Counties | Plano, Frisco, McKinney, Allen, Denton, Lewisville |
| Rockwall, Kaufman & Ellis Counties | Rockwall, Rowlett, Forney, Waxahachie, Midlothian |
| Parker & Johnson Counties | Weatherford, Aledo, Burleson, Cleburne |
Strategy Match
Common Dallas-Fort Worth Investment Strategies and the Loans That Fit
Terms vary by lender, property, and borrower.
| Strategy | Typical loan | What drives approval |
|---|---|---|
| Buy, renovate, and sell | Fix & flip loan | Purchase price, rehab budget, ARV, experience |
| Buy, rehab, rent, refinance (BRRRR) | Fix & flip, then DSCR refinance | Rehab scope, ARV, then rent vs. PITIA and seasoning |
| Long-term rental portfolio | DSCR loan | Rent vs. PITIA (incl. Texas taxes), reserves, credit |
| Small apartment buildings | DSCR (2–8 units) or commercial (9+) | Gross rent vs. PITIA at 1.00+, or NOI at 1.25+ for 9+ units |
| Infill or spec build | New construction loan | Plans, budget, experience on title, exit |
| Residential and commercial developments | New construction or commercial loan | Plans, budget, entitlements, developer experience, exit strategy |
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Dallas-Fort Worth Questions
Dallas-Fort Worth Investment Property Loan FAQs
More answers in the full FAQ.
How do Texas property taxes affect DSCR loan qualification?
DSCR lenders compare rent to the full payment: principal, interest, taxes, insurance, and association fees (PITIA). Higher property taxes mean a larger payment and a lower ratio. Use the actual annual tax figure for the property, including any special district charges, when estimating whether a deal qualifies.
Can I finance a Dallas-Fort Worth flip that needs foundation work?
Yes, foundation work can be part of the rehab budget. Lenders will want a detailed scope of work, and for major structural items they may ask for supporting documents such as a contractor bid or engineer evaluation. The more clearly the scope and budget are documented, the smoother the draw process.
Do you finance small apartment buildings in Dallas-Fort Worth?
Yes. Residential DSCR lenders typically cover 1–8 units, using gross rents divided by PITIA with a minimum around 1.00. Buildings with 9+ units are commercial loans that usually use net operating income with a minimum DSCR of 1.25 or higher. For fix and flip, some lenders allow 5+ unit projects for borrowers with proven experience.
Can I use 1031 exchange funds or a self-directed IRA for a Dallas-Fort Worth deal?
Yes, with strict rules. We work with your 1031 intermediary or SDIRA custodian to make sure the property and the lender’s note meet IRS requirements. With SDIRA funds, there is no personal guarantee, the loan is non-recourse, and leverage is typically limited.
Do you lend outside Dallas-Fort Worth in Texas?
Yes. Belsky Mortgage serves commercial and investment real estate investors in all 50 states, including Houston, Austin, San Antonio, and everywhere else in Texas. Send us the address and we’ll confirm options.
Have a Dallas-Fort Worth Investment Property Deal?
Submit your loan intake form to receive personalized financing options based on your property, project, and investment strategy.
Investor education from Belsky Mortgage
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