Frequently Asked Questions

I’m a self-employed trades worker — which U.S. cities have the most data center construction opportunities?

The top markets are Northern Virginia, Dallas–Fort Worth, Phoenix, Atlanta, Chicago/Elk Grove Village, the Carolinas, Central Texas/Abilene for Project Stargate, Columbus Ohio, Houston, and the Pacific Northwest including Seattle and Quincy WA. Each offers sustained construction employment for licensed electricians, plumbers, and carpenters.

I travel between data center markets — does the same Non-QM mortgage work no matter which city I’m in?

Yes. Bank statement loans, 1099 loans, and DSCR loans are available in all major U.S. markets. The loan qualification mechanics are consistent — what changes by market is home price, tax structure, DSCR cash flow ratios, and appreciation dynamics.

I’m a self-employed trades worker — which data center market is best for me to buy a home in?

It depends on your income level, down payment, and goals. Dallas-Fort Worth offers the best combination of income premium, accessible home prices, and no state income tax. Abilene/Central Texas offers the most dramatic affordability for high-income workers. Northern Virginia has the highest wages but the highest home prices. The Carolinas and Columbus Ohio offer earlier-cycle appreciation opportunities.

Can I work in Dallas and use a DSCR loan to invest in a different market?

Yes. A bank statement or 1099 loan finances your primary residence wherever you live. A DSCR loan — which qualifies on a rental property’s own rental income — can finance an investment property in any market where the cash flow math works, regardless of where you live or work.

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