Breaking Through “The Wall”
The research identifies a specific pain point for successful investors: “The Wall.”
Standard conventional loans (those sold to Fannie Mae or Freddie Mac) have a strict limit. Once you finance 10 properties, you are “capped out.” You cannot buy another rental with a standard mortgage, no matter how good your credit is.
Texas Premier Mortgage solves this problem specifically for the “Empire Builder.”
- The Solution: Their “Investor Flex” program allows you to finance up to 20 properties.
- The Impact: This effectively doubles the size of the portfolio you can build with leverage. For an investor who has hit the conventional limit, this lender re-opens the door to acquisition.
Releasing Your Capital: The Reserve Rule
Scaling a portfolio uses a lot of cash. Not only do you need down payments, but lenders also require “reserves”—cash sitting in the bank to pay the mortgage if the property is empty.
As you grow, reserve requirements can become crushing. Some lenders ask for 6 to 12 months of payments for every property you own.
- The Texas Premier Advantage: The data highlights a “Low Reserves” requirement of just 3 months.
- Why This Matters: By locking up less cash in the bank, you have more liquid capital available to fund your next down payment or renovation.
Built for All Rental Types
While some lenders are picky about how you rent the property, Texas Premier Mortgage is agnostic.
- STR Friendly: They explicitly state their program is “eligible for short-term and long-term rentals.”
- Airbnb Ready: They serve “Airbnb & short-term rental hosts” and use “prospective monthly rental income” for qualification. This aligns with the projection-based underwriting necessary for vacation rentals, rather than relying on long-term lease history.
Summary of Strategic Fit
Texas Premier Mortgage is the Scale Partner. If you are a serious investor who is tired of hearing “you have too many loans,” or if you are looking to grow from a small portfolio to a medium-sized enterprise, their combination of high loan limits (20 units) and low liquidity requirements removes the friction that slows you down.
Next Step: If you are ready to break through the 10-property cap and keep building your empire, you can review their “Investor Flex” options here. Visit Texas Premier Mortgage
Finding the right financial partner is about matching their strengths to your specific plan. If this lender’s program does not fit your current strategy—whether you need more speed, higher leverage, or different terms—you have other options. We have analyzed the entire market for you. Review our full guide to the Top 10 Texas DSCR Lenders to compare every option side-by-side.