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TL;DR Quick answer for real estate investors

State-By-State Investor Loan Guides — Investment property loan information for all 50 states LendingStreet serves. Each state guide covers DSCR, bridge, fix & flip, construction, and commercial financing.

LendingStreet has structured $4.36B+ across 8,196 deals nationwide. NMLS #1734316 · 30+ capital sources · 50 states.

State Investment Guides

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Market-by-market breakdowns for real estate investors. Top cities, lending notes, and what we're seeing in active deal flow.
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State Investment Guide
Texas
Texas is one of the strongest markets for real estate investors in the country. No state income tax, strong job growth, and landlord-friendly laws make Texas a top destination for DSCR rental investors and fix & flip operators alike.
Top Markets
  • Dallas-Fort Worth — massive population growth, strong rental demand
  • Houston — diverse economy, affordable entry points
  • Austin — high appreciation, tech sector demand
  • San Antonio — military market, stable rents
Lending Notes
Texas allows LLC ownership without disclosure of members. Non-recourse lending is available. Foreclosure is non-judicial in most cases — faster resolution for lenders. These factors attract private lenders to Texas deals.
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State Investment Guide
Florida
Florida's population growth is the fastest in the country, driven by migration from high-tax states. Strong STR markets in Orlando, Miami, and Tampa make it a top state for Airbnb-focused DSCR investors.
Top Markets
  • Orlando — massive STR market near theme parks
  • Tampa — strong LTR demand, population growth
  • Miami — luxury market, international buyer pool
  • Jacksonville — affordable entry, solid cap rates
Lending Notes
Florida is a landlord-friendly state with no state income tax. The STR market is regulated by county — some areas (like Orange County) have restrictions. DSCR loans work for both LTR and STR properties. STR DSCR uses projected revenue rather than actual leases.
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State Investment Guide
North Carolina
North Carolina's Research Triangle (Raleigh-Durham-Chapel Hill) is one of the fastest-growing metros in the US. Strong employment base from tech, pharma, and universities drives rental demand year-round.
Top Markets
  • Raleigh — tech hub, strong rental demand
  • Charlotte — banking center, consistent appreciation
  • Durham — university market, stable occupancy
  • Greensboro — affordable entry points, solid yields
Lending Notes
North Carolina has balanced landlord-tenant laws. The state has seen significant out-of-state investor activity particularly in the Triangle area. DSCR loans are widely available here and we have closed multiple deals in this market.

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We lend in all 50 states (most programs). Call us about your market — we close deals nationwide and can speak to conditions in any state we're active in. More state guides coming soon.

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