Loan programs in Arlington
DSCR Loans in Arlington
A DSCR loan is an investment-property mortgage that qualifies you on the property’s rental income divided by its monthly payment (the debt service coverage ratio).
InvestorFix and Flip Loans in Arlington
A fix and flip loan is short-term (usually 12–18 months), interest-only financing that covers most of a distressed property’s purchase price and up to 100% of renovation costs, repaid when you sell or refinance.
InvestorDSCR Cash-Out Refinance in Arlington
A DSCR cash-out refinance replaces the loan on a rental with a larger one, sized to the property’s value and qualified on its rent, and pays you the difference in cash.
InvestorShort-Term Rental (Airbnb) DSCR Loans in Arlington
A short-term rental DSCR loan qualifies a vacation rental on its nightly-rental income, using 12 months of booking history or a third-party projection such as AirDNA, instead of a long-term lease.
Home loanBank Statement Loans in Arlington
A bank statement loan is a non-QM mortgage that calculates self-employed income from 12 or 24 months of personal or business bank deposits instead of tax returns.
Home loanFHA Loans in Arlington
An FHA loan is a government-insured mortgage that allows 3.5% down with a credit score of 580 or higher, or 10% down with a score from 500 to 579.
Home loanFirst-Time Homebuyer Loans in Arlington
First-time homebuyer loans are mortgage options with low down payments, typically 3% conventional, 3.5% FHA or $0 VA, often paired with state or local down payment assistance.
Home loanVA Loans in Arlington
A VA loan is a mortgage guaranteed by the Department of Veterans Affairs that lets eligible veterans, active-duty service members and certain surviving spouses buy with no down payment and no monthly mortgage insurance.
Home loanCondo Loans in Arlington
A condo loan is a mortgage on a unit in a condominium project, and approval depends on the building as well as the buyer.
Neighborhoods in Arlington
- Downtown Arlington
- Entertainment District
- North Arlington
- South Arlington
Why borrowers look at Arlington
Arlington sits between Dallas and Fort Worth with an entertainment district of stadiums and theme parks anchoring its identity and UT Arlington feeding a large student renter base. Housing is mostly 1960s-90s single-family homes, from modest ranch houses in South Arlington to larger homes in the north. Buyers like the central location and prices below both big neighbors; investors chase the student population, entertainment-district short-term rental demand, and workforce renters who commute either direction on I-20. The GM assembly plant and a growing healthcare sector diversify employment beyond entertainment and education, and the city central position on I-20 keeps both Dallas and Fort Worth job centers within a reasonable commute.
Local market snapshot: Arlington
| Median home value | $304,700City of Arlington · Source: U.S. Census Bureau, American Community Survey 5-year estimates |
|---|---|
| Median gross rent | $1,470/moCity of Arlington · Source: U.S. Census Bureau, American Community Survey 5-year estimates |
| Effective property tax rate | 1.47% (approx.)Tarrant County, effective rate (approx.) · Source: SmartAsset, Texas Property Tax Calculator |
Homeowners insurance: Arlington sits squarely in hail alley, so homeowners insurance runs well above the national average and roof age is a key rating factor. Texas has no state income tax, so property taxes plus insurance make up a large share of the monthly escrow payment.
Figures are the most local reliable public data available (city, then county, then statewide), each labeled above. They are context for your payment estimate, not a quote, run your scenario through our payment calculator.
Before you buy or refinance in Arlington
- Pull the Tarrant County property tax bill early; it is part of every payment and DSCR calculation.
- Get an insurance quote before you lock a price.
- For rentals, check rent comps and any local rental registration or short-term rental rules in Arlington.
- Texas home-equity cash-out on a homestead (Section 50(a)(6)) is capped at 80% of value with a 12-day notice and a 3-day right of rescission. Investment property cash-out is not subject to the homestead rules, which is one reason DSCR cash-out is popular with Texas investors.
Run the numbers
- DSCR Calculator
- Fix and Flip Profit Calculator
- Mortgage Payment Calculator
- Home Affordability Calculator
Other Texas cities
- Houston
- Dallas
- San Antonio
- Austin
- Fort Worth
- Plano
- El Paso
- Corpus Christi
- Frisco
- McKinney
- Lubbock
- Killeen
- Irving
- Garland
- Laredo
- Amarillo
- Waco
- Round Rock
- Pearland
- Sugar Land
- Conroe
- College Station
- Brownsville
- McAllen
- Denton
- Midland
- Tyler
- Beaumont
- Grand Prairie
- Pasadena
- Mesquite
- Carrollton
- Abilene
- Richardson
- Odessa
- League City
- The Woodlands
- Lewisville
- Allen
- Wichita Falls
- Edinburg
- San Angelo
- New Braunfels
- Atascocita
- Mission
- Bryan
- Baytown
- Temple
- Longview
- Pharr
- Cedar Park
- Flower Mound
- Missouri City
- Mansfield
- Harlingen
- North Richland Hills
- San Marcos
- Georgetown
- Victoria
- Pflugerville
- Rowlett
- Spring
- Euless
- Leander
- Wylie
- DeSoto
- Port Arthur
- Galveston
- Texas City
- Grapevine
Neighborhoods in Arlington
FAQ
What loans can I get in Arlington, TX?
Investor loans (DSCR, fix and flip, cash-out, short-term rental) and owner-occupied home loans (bank statement, FHA, VA, conventional and more).
Who assesses property taxes in Arlington?
Tarrant County. Lenders include those taxes in the monthly payment used to qualify you.