Laredo, TX · WEBB County County · 2026 Population: 270,475 · NMLS #2827624 · AZ CMB #CMB-2016143

Laredo, Texas DSCR, Hard Money, Fix & Flip & 5–25+ Unit Multifamily Loans

Laredo, TX Local Underwriting Snapshot (WEBB County County): With a 2026 population of 270,475, Laredo carries an effective property tax rate of 1.58%, a median 1–4 unit investment property price of $380,000, and a median market rent of $3,000/mo. At 75% LTV ($285,000 loan amount), estimated monthly PITIA is $2,528/mo, yielding an estimated baseline DSCR of 1.19x. For 5–25+ unit apartment buildings in Laredo, typical valuation averages $159,600/door with $1,750/mo/door market rents.

County & 2026 PopulationWEBB County County (270,475)

Effective Property Tax Rate1.58% ($500/mo)

Median 1–4 Unit Price & Rent$380,000 · $3,000/mo

5–25+ Unit Multifamily Avg$159,600/door · $1750/mo

TX Foreclosure & SecurityNon-Judicial (First Tuesday Deed of Trust — TX Prop. Code §51.002) (35–55 days)

Laredo, TX Pre-Populated Underwriting Terminal

1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator

Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · Canonical Integer _cents & _bps Engine

1. Select Property Unit Tier Bracket

2. Exact Number of Units / Doors (MISMO FinancedUnitsCount)1 Unit

Price/Door: $380,000·Loan/Door: $285,000·Avg Rent/Door: $3,000/mo

Property Value / Purchase Price$380,000

Target LTV %75%

Base Note Rate %6.625%

Gross Monthly Rent (Form 1007 / Lease / STR Projection)$3,000/mo

Tax Rate (%)

Annual Ins ($)

Monthly HOA ($)

Prepayment Stepdown Structure

Amortization & FICO Tier

Calculated DSCR Coverage Ratio

Canonical: 122 bps · 7500 bps LTV · 6625 bps Rate

1.22x

Standard Multifamily / DSCR Pass (1.15x–1.24x)

Loan Amount (75% LTV)$285,00028,500,000 _cents

Monthly P&I Debt Service$1,825/mo@ 6.625% Note Rate

Total Monthly PITIA$2,458/moTax: $500 · Ins: $133

Net Monthly Cash Flow+$542/mo$6,501/yr net

Get 30-Sec Quote →Full 1003 / MISMO Apply →

Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)

Execution Option	Prepay Structure	Est. Note Rate	Prepay Price Credit	Monthly Debt Service	DSCR Ratio
Option A: Lowest Rate (60-Mo Stepdown)	5-4-3-2-1	6.625%	-100 bps (-1.000 pt)	$2,458/mo	1.22x
Option B: Balanced Par (36-Mo Stepdown)	3-2-1	6.875%	-75 bps (-0.750 pt)	$2,506/mo	1.20x
Option C: Max Cash Flow (10-Yr Interest-Only)	3-2-1 IO	7.000%	+38 bps IO LLPA	$2,296/mo	1.31x

Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender. Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873.

Laredo, TX Short-Term Rental (STR), ADU & Legal Underwriting Notes

Local Municipal & Zoning Guidance: Wholesale DSCR and multifamily lenders in Laredo (WEBB County County, TX) underwrite both 12-month long-term leases (Form 1007 / Form 1025) and compliant short-term rentals (Form 1007 STR / 12-month booking ledger) subject to local municipal registration.

Texas Statutory Security Instrument: Loans in Laredo (WEBB County County) are secured via Deed of Trust (Power of Sale) under Texas's Non-Judicial (First Tuesday Deed of Trust — TX Prop. Code §51.002) framework (35–55 days). Insurance underwriting note: Standard DP-3 landlord dwelling fire, general liability & rent-loss coverage required..