Term: 30 Year Fixed
Loan amount minimum: $100,000
LTV on Refinances: Up to 80% of the after-repair value
LTV on Purchases: Up to 85% of the after-repair value
Debt Service Coverage Ratio: 1.0 minimum
Minimum Credit Score: 680
Property Types: Non-Owner Occupied, Single Family Residential, Condo/Townhome (1-4 Units), Short-Term Rentals
Lubbock Market
Lubbock’s rental market is strong, stable, and investor-friendly—making DSCR financing one of the most powerful tools for growing a long-term portfolio.
What is a DSCR Loan? A DSCR loan is a real estate investment loan that measures whether a property’s rental income can cover its debt payments. The higher the DSCR ratio, the stronger the property performs—and the easier it is to secure funding. This makes DSCR loans perfect for Lubbock investors looking to acquire single-family homes, duplexes, short-term rentals, or build-to-rent properties across neighborhoods like Tech Terrace, Wolfforth, Milwaukee Ridge, and Southwest Lubbock.
The DSCR is a financial metric calculated by dividing the property’s net operating income (NOI) (typically annual rental income minus operating expenses) by the annual debt service (mortgage payments, including principal, interest, taxes, and insurance).
Why Pinnacle
Whether you’re purchasing long-term rentals in Lubbock, expanding into surrounding West Texas markets, or financing short-term rentals near major travel destinations across the state, Pinnacle Commercial Lending offers DSCR solutions tailored to your strategy. Our programs fit the specific needs of your property, its rental market, and your investment goals—helping you scale with confidence.
Same-day approvals and the ability to close in under 7 days.
Lower rates than traditional banks offer for investor loans.
Clear interest rates, points, and no hidden junk fees.
Combined 35 plus years in real estate investment and lending.
About Us
Pinnacle Commercial Lending is the premier DSCR lending partner trusted by real estate investors across West Texas.
As a leading Lubbock DSCR lender, we focus on the cash-flow strength of your investment property—not traditional income documentation. Our DSCR loan program is built for investors who need speed, flexibility, and common-sense underwriting based on the performance of the property itself.
How we work
Joe and Kevin at Pinnacle are truly intuitive in the lending world. They have been pivotal to our real estate journey in Lubbock, Texas, consistently offering solutions that align with our goals and allowing us to expand our investments in creative ways.
Wezt Capital
From the very beginning, it was evident that their approach to lending was not just transactional, but relationship-driven. Their deep understanding of the real estate investment market, combined with a genuine commitment to the success of their clients, sets them apart as industry leaders.
Wezt Capital
Great folks to work with. We’ve done business with them for years and highly recommend this company.
Our Service Area
We provide fast, flexible hard money loans to real estate investors and property owners across West Texas. From growing cities to surrounding communities, we’re here to help you secure the capital you need to succeed.
Get started today
Ready to finance your next rental using cash flow instead of personal income? Pinnacle Commercial Lending is here to help you move fast and invest with confidence.
