Investment Property Loans in Irving, TX

From October 1, 2026, Irving's yearly short-term rental registration costs $1,000, covering the application and initial inspection, up from $300, and every new or renewing rental must pass inspection.

For investors: Irving's fee more than tripled, so a rental that penciled at $300 a year needs new math. A failed inspection gets one chance to correct; miss it and the address is barred from registering for a year, which can strand a newly bought house.

Source: City of Irving Schedule of Fees, FY26-27 Amendments (effective Oct. 1, 2026); City of Irving Short-Term Rentals page (inspection rule), Oct 2026

A new short-term rental in an Irving single-family home or townhome in most residential districts now needs a Conditional Use Permit; registered existing rentals continue as legal nonconforming uses.

For investors: A grandfathered Irving rental keeps that status only while its registration stays current and free of violations; a lapse forces a full CUP application. Since registrations end when ownership changes, ask the city before closing how a sale affects the property's status.

Source: City of Irving Code Enforcement, Short-Term Rentals, Oct 2026

New Irving single-family short-term rentals need on-site parking for four vehicles or one per bedroom, whichever is greater, and the city may deny registration where over 10% of other homes on the blockface hold one.

For investors: On an Irving street that already has a few rentals, the blockface test can block a new registration after you buy. Ask Code Enforcement how many registrations exist on your side of the street, and confirm four legal parking spaces before writing an offer.

Source: City of Irving Code of Ordinances, Chapter 8, Article XI, Sec. 8-81 and 8-86, May 2026

An Irving short-term rental registration cannot be transferred to a new owner and expires after one year or when ownership changes; renewals must be filed 30 to 60 days before expiration.

For investors: Treat an Irving purchase as a fresh application with your own hotel tax account number, floor plan and parking site map. Changes in management, ownership or listing platforms must be reported within seven days, so notify the city when switching managers.

Source: City of Irving Code of Ordinances, Chapter 8, Article XI, Sec. 8-81, May 2026

Irving requires host or liability insurance covering up to $1 million per occurrence, one lodging agreement at a time in a single-family rental, a smoke detector in each bedroom and a five-pound ABC extinguisher.

For investors: Booking an Irving house room by room is off the table, so price whole-home stays. A carbon monoxide detector is also required outside sleeping areas where there are fuel-burning appliances or an attached garage, and cancelled insurance must be reported within 30 days.

Source: City of Irving Code of Ordinances, Chapter 8, Article XI, Sec. 8-85 and 8-86, May 2026

Irving levies a 7% hotel occupancy tax plus a 2% community venue tax, 9% in all, due monthly by the last day of the following month; payment a full fiscal quarter late adds 15%.

For investors: Combined with the state's 6%, an Irving guest pays 15% in occupancy tax on top of the nightly rate. The city sends no payment reminders, and interest at 9% a year runs daily from the due date, so automate the monthly filing.

Source: City of Irving Code of Ordinances, Chapter 16A, Hotel Occupancy Tax; Irving HOT Reporting Instructions, Oct 2026

Irving licenses apartments and fourplexes yearly after an annual inspection, at $16.70 per unit for apartments rated Level 1 to 3 and $22.50 per unit for Level 4 or 5 apartments and fourplexes.

For investors: A fourplex buyer in Irving takes on a yearly license and inspection, about $90 a year for four units at the listed rate. On larger apartment buildings a Level 4 or 5 rating raises the per-unit fee, so ask the seller for the last rating.

Source: City of Irving Schedule of Fees, FY26-27 Amendments, Multi-Family Division, Oct 2026

Dallas County's 2026 rate table lists Irving at $0.5891 and Irving ISD at $0.9884 per $100; with Dallas County, Dallas College and Parkland Hospital, the total is about $2.14.

For investors: That total puts a $350,000 Irving rental near $7,500 a year in property tax. Irving's 20% homestead exemption reaches only owner-occupants, so a seller's bill can look smaller than what an investor will owe once the exemption drops off.

Source: Dallas County Tax Office, 2026 Tax Rates; City of Irving Property Tax Information (homestead exemption), Oct 2026

Dallas County's 2026 rate table lists two Irving flood control districts that add to bills inside their boundaries: Irving Flood District 1 at $0.2257 per $100 and District 3 at $0.08985 per $100.

For investors: Inside District 1 that levy adds roughly a tenth to Irving's usual total, so check the appraisal district record for a flood district line before underwriting. Ask the title company to show every taxing unit so the escrow estimate includes it.

Source: Dallas County Tax Office, 2026 Tax Rates, Oct 2026

Irving does not appear on FEMA's October 2026 list of Community Rating System communities, so flood insurance policies in the city receive no CRS discount.

For investors: An Irving rental in a mapped flood zone pays the full NFIP rate with no community credit, so get a real flood quote during the option period, before the purchase price is locked in and the DSCR margin is set.

Source: FEMA, CRS Eligible Communities, October 1, 2026, Oct 2026

The City of Irving lists Vistra, Allstate, Verizon, DFW International Airport, Baylor Scott & White, Microsoft and CHRISTUS Health among its top private employers, each with 2,000 or more workers.

For investors: Office and airport payrolls make Irving a strong market for professional tenants seeking apartments and townhomes near Las Colinas and DFW. Corporate relocations also feed furnished rentals, though a stay under 30 days triggers Irving's registration.

Source: City of Irving Economic Development, Irving Means Business (data from the Irving-Las Colinas Chamber), Oct 2026