Chris Lederer
Production Manager
NMLS #2004549
Glen Dicken
Sr. Loan Officer
NMLS# 313548
Jen Papaelias
Sr. Loan Officer
NMLS# 2692859
Brett Dempsey
Branch Manager
NMLS #2014728
Allen Lundberg
Sr. Loan Officer
NMLS #277507
At Crestmark Lending, DSCR financing is our sole focus. We provide Texas real estate investors with tailored loan solutions featuring flexible credit parameters, streamlined underwriting, and predictable approvals for both purchases and refinances—helping you move quickly and scale strategically.
As a specialized brokerage platform, we connect borrowers with 20+ institutional DSCR capital sources, allowing us to structure competitive pricing and flexible terms across a wide range of property types, loan sizes, investor profiles, and market conditions.
Built exclusively for real estate investors, Crestmark Lending is a DSCR-focused mortgage brokerage serving Texas, delivering faster approvals, simplified underwriting, and access to dozens of national DSCR lenders.
We understand investment property financing and provide the pricing, flexibility, and speed investors need to confidently scale their portfolios.
Designed for long-term rentals with 1–4 units and small multifamily income producing properties
Refinance your property to reduce payments or easily access equity for future investments
Flexible DSCR loan programs for multi-family properties—low rates, LTVs, and favorable terms
LLC-owned investment properties, qualified by rental cash flow strength and performance
DSCR financing for rental property upgrades, rehab projects and renovations
DSCR new construction loans for build-to-rent financing with long-term DSCR takeout options
High-balance financing for larger rentals and experienced portfolio investors
Whether you’re entering the rental market or expanding a portfolio, our Texas DSCR loans offer fast approvals with minimal documentation.
Crestmark Lending is the home of Texas DSCR loan specialists. We deliver fast approvals and investor-focused DSCR financing from specialists who understand your goals.
Production Manager
NMLS #2004549
Sr. Loan Officer
NMLS# 313548
Sr. Loan Officer
NMLS# 2692859
Branch Manager
NMLS #2014728
Sr. Loan Officer
NMLS #277507
Crestmark Lending works with over 20 DSCR lenders to help you find competitive pricing, flexible guidelines, and the right loan structure for your investment strategy.
Texas real estate investors trust Crestmark for fast closings and dependable, investor-focused service.
Close in 21 days or less with a streamlined process from application to closing.
We compare rates across 20+ wholesale lenders and DSCR loan programs.
Flexible underwriting for unique properties and diverse investors—improving approval odds.
Texas DSCR loans are an investor-focused mortgage that qualifies based on a property’s rental income rather than personal income or tax returns. Lenders compare rental income to the monthly PITIA payment to calculate the Debt Service Coverage Ratio. If the income covers the payment, the property may qualify.
In Texas, most DSCR lenders require a minimum credit score of 660 and a DSCR ratio of 1.00 or higher, meaning the rental income covers the monthly payment. Some Texas lenders may allow lower DSCR ratios—including below 1.0—with stronger credit, higher reserves, or pricing adjustments.
Yes. In Texas, DSCR loans are designed specifically for real estate investors and can be closed in an LLC, corporation, or other business entity. This structure helps investors separate liability, maintain clean bookkeeping, and manage multiple rental properties under a single entity.