The Credit Card Debt Solutions for Dallas Residents Now

GHC Funding
GHC Funding
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Published: December 3, 2025
Updated: December 19, 2025
Categories: blog
Reading Time: 2 minutes read
Article Credits

Contributing Author & Editorial Review

This article was crafted and reviewed by experienced professionals to ensure accuracy and practical insight.

GHC Funding

GHC Funding

Contributing Author

Jordan focuses on real estate finance, small business capital, and practical investing strategies for growth-minded entrepreneurs.

Taylor Morgan

Taylor Morgan

Senior Editor

Taylor reviews content for clarity, compliance, and real-world relevance to ensure every article meets professional standards.

Content is provided for educational purposes and does not constitute legal, tax, or financial advice. Please consult your own advisors before making decisions.

DSCR Loan

DSCR Rental Loan Highlights

  • Qualification based mainly on property cash flow (DSCR).
  • No personal income docs required for many programs.
  • Financing for 1–8 unit rentals, portfolios, and many STR/Airbnb deals.
  • Up to 80% LTV on purchases and 75% LTV on cash-out (program-dependent).
  • 30-year fixed and interest-only options available.
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Introduction: Leveraging Rental Home Equity for Debt Relief

In 2026, Dallas residents facing high-interest credit card debt have several options for relief. One increasingly popular method is using home equity to consolidate and pay off credit card balances. This guide explores the benefits, risks, and strategies associated with this approach.

In this article...

Understanding Rental Home Equity

Home equity is the difference between the current market value of your home and the outstanding mortgage balance. As property values in Dallas continue to rise, many homeowners find themselves with substantial equity.

Benefits of Using Rental Home Equity

  • Lower Interest Rates: Home equity loans often have lower interest rates compared to credit cards, making debt payoff more affordable.
  • Single Monthly Payment: Consolidating multiple credit card debts into a single home equity loan simplifies payments.
  • Potential Tax Benefits: Interest paid on home equity loans may be tax-deductible, reducing overall costs.

Risks and Considerations

  • Risk of Foreclosure: Defaulting on a home equity loan could lead to losing your home.
  • Longer Payoff Timeline: Extending the repayment period can mean paying more interest over time.
  • Fluctuating Property Values: A downturn in the housing market could reduce your home’s equity.

Case Studies: Success in Dallas

Consider the case of Jane, a Dallas homeowner with $30,000 in credit card debt. By securing a home equity loan at a 5% interest rate, she reduced her monthly payments by 40% and paid off her debt in five years.

Need capital? GHC Funding offers flexible funding solutions to support your business growth or real estate projects. Discover fast, reliable financing options today!

⚡ Key Flexible Funding Options:

GHC Funding everages financing types that prioritize asset value and cash flow over lengthy financial history checks:

Top Pick

DSCR Rental Loan

Best for: Scaling rental portfolios
★★★★★ 4.8/5 (120 reviews)
Starting rate~7–9%+
Loan amounts$100K – $5M+
Term30 yr fixed / ARMs
Highlights
  • No tax returns required
  • Qualify using rental income (DSCR-based)
  • Fast closings ~3–4 weeks
Check DSCR Rates

SBA 7(a) Loan

Best for: Owner-occupied commercial real estate
★★★★★ 4.6/5 (89 reviews)
RatePrime + spread
Loan amounts$350K – $5M+
TermUp to 25 years
Highlights
  • Lower down payments vs banks
  • Long amortization improves cash flow
  • Good if your business occupies 51%+
Explore SBA Options

Bridge Loan

Best for: Fast closing + value-add deals
★★★★☆ 4.4/5 (72 reviews)
RateVaries by deal
Loan amounts$250K – $15M+
Term6–24 months
Highlights
  • Close quickly — move on opportunities
  • Flexible underwriting
  • Great for value-add or transitional assets
Talk to a Specialist
Low Rates

SBA 504 Loan

Best for: Large CRE acquisitions & refinancing
★★★★★ 4.7/5 (101 reviews)
RateFixed, low CDC rate
Loan amounts$500K – $12M+
Term10, 20, 25 years
Highlights
  • Low fixed rates through CDC portion
  • Great for construction, expansion, fixed assets
  • Often lower down payment than bank loans
Check 504 Eligibility

🌐 Learn More

For details on GHC Funding's specific products and to start an application, please visit our homepage:

GHC Funding Homepage

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Current 2025 Financial Context

With interest rates stabilizing in 2025, Dallas homeowners can access favorable terms for home equity loans. Local lenders and credit unions offer competitive rates, making it an attractive option for debt consolidation.

Actionable Strategies

  1. Evaluate Your Equity: Determine your home’s value and calculate available equity.
  2. Shop Around: Compare offers from various lenders to find the best terms.
  3. Consider Alternatives: Weigh other options like personal loans or balance transfer cards if home equity isn’t viable.

Get a Free Rate Today

Compare our top-rated commercial and investment property loan programs below.

DSCR Loan
⭐ 4.8/5
  • No income verification
  • 30-year fixed | Interest-only available
  • Great for rental properties + STR
  • Fast approvals
Check My Rate
SBA 7(a) Loan
⭐ 4.9/5
  • Working capital + business acquisition
  • Up to $5M
  • Low down payment
  • Long-term financing
Check My Rate
SBA 504 Loan
⭐ 4.9/5
  • Owner-occupied CRE
  • Low fixed rates | 25-year terms
  • Great for business expansion
  • Refinance available
Check My Rate
Bank / CRE Loan
⭐ 4.7/5
  • Best for stabilized properties
  • Competitive rates
  • 12–25 year terms
  • Lower fees than private lenders
Check My Rate

Compare Loan Types

Find the Right Financing for Your Real Estate or Business Project

Loan Type Best For Rates Terms Highlights Apply
DSCR Loan Rental properties (LTR & STR) 5.99%+ 30-year fixed, IO options No income docs, fast approvals, great for investors Check My Rate
Construction Loan Ground-up, fix & build, major renovations 8%–12% depending on scope 12–24 months interest-only Flexible draws, great for builders & developers Get a Quote
SBA Loan Business acquisition, working capital, CRE Prime + spread 10–25 years Lowest down payments, long terms, best for business growth See My Options

Conclusion: Making an Informed Decision

Using home equity to pay off credit card debt can be a smart financial move for Dallas residents in 2026, provided the risks are carefully managed. By leveraging current market conditions and local resources, homeowners can achieve significant savings and financial freedom.

Get a No Obligation Quote Today.


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Use these trusted resources to grow and manage your small business—then connect with GHC Funding to explore financing options tailored to your needs.

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GHC Funding DSCR, SBA & Bridge Loans
Contact GHC Funding Today. Main: 833-572-4327 Email: sales@ghcfunding.com
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