Non-QM
DSCR (Investor Cash Flow) in Highland Park, TX
Highland Park, TX is a smaller community of 8,773 people in Dallas County, where Custom Mortgage arranges DSCR (Investor Cash Flow) financing. Highland Park homes carry a premium: the median owner-occupied value is $1,989,900, 557% over Dallas County's $303,000 (Census ACS 2020-2024 5-year). That is $1,157,150 over the 2026 one-unit conforming limit of $832,750, so keeping a median-priced purchase conforming takes at least 59 percent down, and a bigger loan is a jumbo.
Highland Park households out-earn the county: a median $250,001, 227% above the Dallas County level. It is an owner's market in tenure terms, with 89% of homes owner-occupied (51% countywide). The median home was built in 1977. Median gross rent of $1,940 a month sits above HUD's FY2025 two-bedroom Fair Market Rent of $1,462.
DSCR (Investor Cash Flow) Highlights
- No personal income verification — qualify 100% on the property's rental income.
- Tax returns may not be required, W-2s, pay stubs, or employment verification required.
- Loan amounts from $100,000 to $5,000,000 for residential and commercial investment properties.
National Rate Index (Freddie Mac PMMS)
30-Year Fixed Rate
7.18%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
Est. Monthly Payment in Dallas County
$1,887/mo
Based on $348,200 median · 20% down · P&I only
15-Year Fixed Rate
6.57%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
Est. Monthly Payment in Dallas County
$2,437/mo
Based on $348,200 median · 20% down · P&I only
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Market-data snapshots: FHFA 2026 (live); HUD FY2025 (bundled); Census ACS 2024 (bundled).
Dallas County at a glance
- Highland Park median home value
- $1,989,900
- Source: Census ACS 5-year, Highland Park town, Texas, 2020-2024
- Highland Park median household income
- $250,001
- Source: Census ACS 5-year, Highland Park town, Texas, 2020-2024
- Highland Park owner-occupied homes
- 89%
- Source: Census ACS 5-year, Highland Park town, Texas, 2020-2024
- Highland Park median gross rent
- $1,940
- Source: Census ACS 5-year, Highland Park town, Texas, 2020-2024
- Highland Park median year built
- 1977
- Source: Census ACS 5-year, Highland Park town, Texas, 2020-2024
- Conforming loan limit (1 unit)
- $832,750
- Source: FHFA, 2026
- Conforming loan limit (4 units)
- $1,601,750
- Source: FHFA, 2026
- Median owner-occupied home value
- $303,000
- Source: Census ACS 5-year, 2024
- Median household income
- $76,547
- Source: Census ACS 5-year, 2024
- Owner-occupied homes
- 51%
- Source: Census ACS 5-year, 2024
- Median gross rent
- $1,565
- Source: Census ACS 5-year, 2024
- Home value to income ratio
- 4.0
- Source: Census ACS 5-year (computed), 2024
- Fair Market Rent (2 bedroom)
- $1,462
- Source: HUD, FY2025
Market Snapshot: Dallas County
Source: Redfin · 2026-01-31Median Sale Price
$348,200
Median List Price
$390,000
Price / Sq Ft
$192.111
Days on Market
69
Active Listings
6,223
Homes Sold
1,117
Sale-to-List Ratio
96.7%
2026 Conforming Loan Limits: DALLAS
1-Unit (SFR)
$832,750
2-Unit (Duplex)
$1,066,250
3-Unit (Triplex)
$1,288,800
4-Unit (Fourplex)
$1,601,750
Source: FHFA 2026 Conforming Loan Limits. Loans above these limits require jumbo financing.
DSCR Coverage — Dallas County, TX
HUD FY2025 Fair Market RentsHUD Fair Market Rents represent the estimated 40th percentile gross rent for standard units in Dallas County. At a 8.7% DSCR benchmark rate with a 1.0× coverage ratio, each bedroom type below supports the following maximum financing.
Studio
HUD Rent
$1,043/mo
Max Financing
$133,426
1 Bedroom
HUD Rent
$1,190/mo
Max Financing
$152,231
2 Bedroom
HUD Rent
$1,462/mo
Max Financing
$187,027
3 Bedroom
HUD Rent
$1,939/mo
Max Financing
$248,047
4 Bedroom
HUD Rent
$2,194/mo
Max Financing
$280,668
Max financing calculated at 1.0× DSCR, 30-year amortization, 8.7% annual rate. Actual DSCR qualification depends on property expenses, vacancy, and lender overlays. Contact CMRE for a property-specific DSCR analysis.
DSCR (Investor Cash Flow) in Highland Park, TX
Dallas County is exhibiting one of the most encouraging market signals in our Texas coverage: prices are up 1.8% year-over-year to a median of $348,200 while the broader Dallas-Fort Worth market has faced inventory pressure. That positive price momentum against 6,223 active listings and a 69-day average days on market reflects the fundamental strength of Dallas's role as the premier corporate relocation destination in the Sun Belt. Companies moving headquarters and regional offices to Dallas continue to drive consistent high-income household formation.
The 96.7% sale-to-list ratio confirms that sellers are pricing competitively but buyers are pushing back slightly on ask. New construction is a significant factor in Dallas County's supply equation — builders have been delivering at pace in McKinney, Frisco, and Prosper, creating choice for buyers that didn't exist in 2021. Conventional high-balance financing is the most common product category in the $350K-$600K range that dominates our Dallas County volume.
Dallas County attracts corporate relocation buyers from across the country, drawn by employer transfers to companies like AT&T, Toyota, State Farm, and the major financial services firms concentrated in Uptown and the Las Colinas corridor. These relocating professionals typically arrive with strong credit, sizeable liquid assets, and W-2 income that qualifies easily for conventional financing. We also see a significant first-time homebuyer segment drawn by Dallas's relative affordability compared to coastal alternatives — a buyer who cannot afford San Jose can often afford the Dallas equivalent.
Account for relocation package income carefully — many Dallas corporate transfers include bonus-based income that must be documented at least two years' history to qualify conventionally.
Service Areas & Neighborhoods
Our Highland Park Presence
Local Knowledge. Global Rates.
200 Crescent Ct
Dallas, TX 75201
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877-976-5669Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
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Customized financing options for unique situations that traditional lenders decline
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Access to wholesale pricing and volume discounts passed directly to our clients
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DSCR Loan Calculator
Calculate your property's Debt Service Coverage Ratio (DSCR) to see if it qualifies for a CMRE investor cash flow loan — no personal income needed.
Monthly Rental Income
Use market rent for new purchases; actual lease for existing tenants
Monthly PITIA (Debt Service)
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Step 1: Loan Foundation
Mortgage Estimator
Freddie Mac 30-yr average, week of Apr 19, 2026. Not a quote.
Principal & Interest Only
Common Questions About DSCR (Investor Cash Flow) in Highland Park
No. At $1,989,900, the Highland Park median is $1,157,150 above the $832,750 FHFA limit for Dallas County. Borrowing more than $832,750 makes the loan a jumbo; staying conforming means putting at least $1,157,150 down.
Far more than median rent. Principal and interest on a $1,492,425 loan (a quarter down on $1,989,900) come to about $10,110 a month at 7.18% (Freddie Mac PMMS 30-year fixed rate as of 2026-11-05); the Highland Park median gross rent of $1,940 covers only 19 percent of that, so DSCR deals here usually need much more equity or premium rents.
At least $397,980 before closing costs (80% maximum LTV on $1,989,900). That is 1.6 years of a $250,001 median income.
8.0 times the $250,001 median household income, steeper than the county's 4.0. Expect to need extra down payment or a co-borrower.
See all DSCR (Investor Cash Flow) questions and program details
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