Best Conventional Lenders in Texas (2026)
Compare conventional lenders serving Texas real estate investors. Browse nationwide conventional lenders available to Texas investors.
Investing in Texas
No state income tax, massive population growth, business-friendly environment. Austin, Dallas, Houston, and San Antonio each offer different investment profiles. High property taxes (2-3%) offset the income tax advantage.
Key Markets
Typical Rates
6.0%–7.5%
Max LTV
75%–80%
Typical Terms
15 or 30-year fixed
Min Credit
680–720
About Conventional Investment Property Loans in Texas
Traditional Fannie Mae/Freddie Mac-backed mortgages for investment properties. The lowest rates available for investors, but require personal income qualification and are limited to 10 financed properties.
Texas real estate investors use conventional investment property loans for investors with strong w-2 or documented income and first 1–10 investment properties. Texas's lack of state income tax makes rental property returns even more attractive when combined with conventional financing.
Other Loan Types in Texas
Conventional Lenders in Nearby States
Analyze Your Texas Deal
Use our free calculator to see if your Texas investment works with Conventional financing.