Speed as a Weapon
In competitive markets like Dallas or Fort Worth, good properties do not stay on the market long. The research identifies Ridge Street Capital as the “Agile Specialist” of the group. While institutional lenders might take 30 to 45 days to close a loan, Ridge Street operates on a much tighter timeline.
The data emphasizes a closing window of 14 to 21 days.
- Why this matters: When an investor is competing against an “all-cash” offer, the seller usually picks the cash offer because it is faster and safer. By closing in two weeks, Ridge Street allows a borrower to offer terms that look very similar to cash. This is a critical “tactical” advantage.
Eliminating the Guesswork on Income
One of the biggest frustrations for short-term rental investors is ambiguity. You might ask a lender, “Do you count Airbnb income?” and get a vague answer.
Ridge Street Capital distinguishes itself with an explicit policy. The research highlights their guideline directly:
“DSCR loans for short term rentals use the AirDNA projected rental income… as opposed to the long term market rent.”
This is not a gray area. They do not default to long-term rent if they get nervous. For properties in high-tourism zones, this policy is often the difference between a loan getting approved or denied.
The “Small Deal” Advantage
Most lenders have a minimum loan amount of $75,000 or $100,000. They do not want to deal with smaller, cheaper houses.
Ridge Street is different. The research notes they have a loan floor of just $50,000.
- The Opportunity: This makes them a viable option for investors looking at smaller, more affordable markets in Texas—places like East Texas or the Panhandle—where you can still buy a decent rental property for under $100,000.
Digital Efficiency
Ridge Street positions itself for the modern investor who dislikes slow, face-to-face banking. Their process is described as “hyper-local” and efficiency-driven.
- Quick App: They utilize a digital process that takes minutes.
- Rapid Answers: They issue term sheets within hours of application.
This speed allows an investor to know exactly how much purchasing power they have almost immediately, rather than waiting days for a loan officer to call back.
Summary of Strategic Fit
Ridge Street Capital is the superior choice for the Tactical Buyer. If you found a deal this morning that needs to close by the end of the month, or if you are buying a lower-cost home that big banks ignore, their specific product set is designed to get you across the finish line.
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.