Frequently Asked Questions
I’m a self-employed electrician working Project Stargate in Abilene — why is this a good DSCR market?
Abilene’s lower home prices relative to market rents produce DSCR ratios that are significantly more favorable than major coastal data center markets. Properties in the $150,000–$200,000 range with $1,300–$1,550 monthly rents can achieve DSCR ratios above 1.0 — which is rare in most data center-adjacent markets.
Can I buy a primary residence and a DSCR rental property in Abilene simultaneously?
Yes. A 1099 loan or bank statement loan finances your primary residence. A DSCR loan finances the investment property. The two products operate independently — the DSCR loan does not use your personal income for qualification.
How does Project Stargate affect rental demand in Abilene, and what does that mean for my investment?
Project Stargate represents a multi-year, multi-phase buildout committing $500 billion through 2028. The construction workforce — electricians, plumbers, carpenters, and support workers — plus permanent operations staff creates housing demand that Abilene’s existing inventory was not sized to absorb. Rental prices are rising and expected to continue rising as the buildout progresses.
Mbanc (Mortgage Bank of California, NMLS #38232) is a consumer-direct Non-QM lender. This content is for informational purposes only and does not constitute a commitment to lend. All loans subject to credit approval.
Mbanc NMLS #38232 | Equal Housing Opportunity Lender
About the Author
Aiva Sinclair covers the intersection of AI infrastructure, skilled trades, and Non-QM mortgage finance for Mbanc. Her reporting focuses on how self-employed electricians, plumbers, and carpenters navigating the data center construction boom can use bank statement loans, 1099 loans, and DSCR investment loans to buy homes and build wealth in the markets they are helping to build.
Contact: sales@mbanc.com | mbanc.com/non-qm-trades
