Texas investors tend to own rentals in groups: a row of houses in the same San Antonio subdivision, a dozen homes spread around Houston's suburbs, or a growing set of DFW rentals bought one at a time. Once you have five or more, the question becomes which lender can put them under one loan without the tax bill breaking the math.
In short: For blanket portfolio loans in Texas, our top pick is LendingStreet. We put 5+ investment properties, each 1-8 units, under one loan that qualifies on the portfolio's combined rent, with one closing, one payment and portfolio pricing. Release provisions let you sell a house without refinancing the rest. We also size the loan on realistic investor property taxes, which in Texas often decide the leverage. Get a quote with the form below.
LendingStreet lends to investors only. Our blanket loans are business-purpose loans on non-owner-occupied rentals, with no W-2s or tax returns, LLC borrowers as standard and a 620 minimum credit score.
Texas investors use them to refinance a set of DFW, Houston, San Antonio or Austin rentals into one note, to pull cash out of homes bought years ago, and to consolidate several short-term loans after a renovation run.
To start, send a property list with values, rents, taxes, insurance and loan balances through the form below, or call (877) 298-1001.
If you are weighing CoreVest, Dominion Financial, LendingOne, Lima One, RCN Capital and Roc Capital for a blanket portfolio loan for investors in Texas, this is the short version: LendingStreet wins the scenarios below, and you can get a quote with the form below.
Figures for other lenders are as stated on each lender's own website as of November 2026. Lender terms change, so verify current terms with any lender before you apply. Ready to see your numbers? Use the form below or call (877) 298-1001.
| Scenario | Best fit | Why |
|---|---|---|
| Portfolio loan above $3M | LendingStreet | Our blanket loans are sized on portfolio cash flow with no stated maximum. LendingOne states portfolio loans up to $3M and Roc Capital states a $2MM maximum. |
| Portfolio under $2M | LendingStreet | Our DSCR loans start at $150,000. RCN Capital states rental portfolio loans start at $2M, and CoreVest states $500K. |
| Property in any state, including DC | LendingStreet | We lend in all 50 states and DC. Lima One states it lends across 46 states, and Dominion Financial lists 49 states plus DC. |
Texas investors commonly use local banks or a national online DSCR lender for one loan per house. This general comparison shows why a blanket can be simpler once the portfolio grows.
| What investors need | LendingStreet | Typical Texas community bank | Typical single-property DSCR lender |
|---|---|---|---|
| 5+ rentals on one loan | Yes, each property 1-8 units | Varies; often one note per property | Usually one loan per property |
| How you qualify | Portfolio cash flow; no W-2s or tax returns | Often tax returns and global cash flow | Rent on each property, one at a time |
| Closings and payments | One closing, one payment | Varies | A closing and payment for each property |
| Selling one property later | Release provisions | Varies | Pay off that loan |
| Properties in several states | Possible on some programs | Usually local only | Separate loans by property |
| Borrow in an LLC | Standard | Varies | Often allowed |
Texas has no state income tax, so local governments and school districts lean heavily on property taxes. A single rental can be taxed by the county, city, school district and special districts such as a MUD or PID, and the combined rate is high compared with many states.
Investors do not receive homestead exemptions on rentals, so the bill reflects the full appraised value. Appraisal districts reappraise regularly, and values can rise fast in growing suburbs. Use the current appraisal district record for every property, not an old tax bill.
North and Central Texas see frequent hail, and the Gulf Coast faces hurricanes and flooding. On a portfolio, insurance adds up house by house, and many policies carry percentage-based wind and hail deductibles.
Homes in Houston and other coastal or low-lying areas may sit in mapped flood zones where flood insurance is generally required. Gather quotes for every property early, since one costly policy can move the whole portfolio's ratio.
This example is illustrative and not a quote. An investor owns six single-family rentals worth $1,650,000 combined and wants one loan. Rents are $2,050 each, or $12,300 a month. Property taxes total $3,025 a month and insurance totals $1,100.
At 75% of value, the loan would be $1,237,500 with estimated principal and interest of about $8,233. The total payment is about $12,358 and DSCR is about 1.00x, just under the 1.0x standard minimum.
At 70%, the loan is $1,155,000 with estimated principal and interest of about $7,684. The total payment is about $11,809 and DSCR is about 1.04x, which clears the standard minimum. The tax line, not the rent, set the leverage.
| Item | 75% of value | 70% of value |
|---|---|---|
| Loan amount | $1,237,500 | $1,155,000 |
| Estimated principal and interest | $8,233 | $7,684 |
| Property taxes | $3,025 | $3,025 |
| Insurance | $1,100 | $1,100 |
| Total payment | $12,358 | $11,809 |
| DSCR at $12,300 rent | About 1.00x | About 1.04x |
Texas does not charge a state transfer tax or a mortgage recording tax, which helps on a large portfolio loan. Title insurance rates in Texas are set by the state, so the premium for each property follows a published schedule. You will still pay recording fees, surveys where required and escrow costs on each home.
Texas also has strict cash-out rules for homesteads, but those rules do not apply to non-owner-occupied rentals, so a blanket cash-out on investment property follows the program's own terms. Confirm details with your title company.
Build-to-rent and newer subdivisions around San Antonio, Houston's outer suburbs, and the northern DFW corridor produce clusters of similar homes, which value and insure efficiently as a group. Older rentals in Fort Worth, Killeen, Waco and El Paso tend to have lower prices and solid rent-to-value ratios. Mixing both types in one blanket can balance the ratio.
Texas investors who bought on short-term money during a renovation run often come to us with several maturing loans at once. Consolidating them into one blanket loan replaces several maturity dates with one long-term payment, and the portfolio's combined rent carries the ratio.
If you also own properties in other states, some programs allow a cross-state blanket loan.
Use these questions with every lender you talk to.
Leverage varies by program, with DSCR cash-out up to 75% LTV on qualifying programs, and we will show you the figure that works with your tax bills. The standard DSCR minimum is 1.0x, with sub-1.0 programs. Seasoning varies by program. LLCs borrow as standard. We order title and valuations on all properties at once. There is no stated maximum on our DSCR loans, and large balances are reviewed case by case.
Call (877) 298-1001 or get a quote with the form below.
LendingStreet is our top pick. We put 5+ Texas rentals on one loan qualified on portfolio cash flow, with one payment, release provisions and leverage sized on realistic investor taxes.
Yes. We lend across Texas, including Dallas-Fort Worth, Houston, San Antonio, Austin, El Paso and the Rio Grande Valley, and in all 50 states and DC.
Usually property taxes. Rentals get no homestead exemption, and combined rates are high, so the tax line often sets the leverage.
No. Texas has no state transfer tax or mortgage recording tax, though recording and title costs still apply to each property.
Yes, through a release provision. You pay down a set amount and the rest of the loan stays in place.
No. Those rules apply to homesteads, not to non-owner-occupied investment property.
Five or more investment properties, each with 1-8 units.
Yes. Those district taxes or assessments appear on the property tax bill and count in the payment. Check the appraisal district record for every property so no district is missed.
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