DSCR loans in Texas
We are a Texas DSCR lender for real estate investors. Qualify on the property’s rent, not your tax returns. Up to 85% LTV on purchases, 80% LTV cash-out with no seasoning, and fast closings across Texas.
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Qualify on the rent, not your income. Send the deal and a loan officer follows up with your rate and terms.
Estimate only. Loan amount is up to 85% of the purchase price on purchases, or up to 80% of the appraised value on cash-out refinances. Minimum loan $150,000. Rate and final terms depend on the property, the rent and your credit. Business-purpose loans on investment property in Texas.
What a DSCR loan is
A DSCR loan is a rental property loan that is approved on the property’s income instead of yours. DSCR stands for debt service coverage ratio: the monthly rent divided by the monthly payment (principal, interest, taxes, insurance and any HOA dues). When the rent covers the payment, the property carries itself, and that is what we underwrite.
That means no W-2s, no pay stubs, no tax returns and no debt-to-income ratio. It is built for investors whose tax returns show write-offs, not real cash flow. Read more in what is a DSCR loan or check your numbers in the DSCR loan calculator.
Our Texas DSCR loan terms
- Purchases: up to 85% loan-to-value, so you put down as little as 15%
- Cash-out refinance: up to 80% loan-to-value
- No seasoning: refinance and pull cash out right after you buy or finish a rehab
- No income verification: we qualify the loan on the property’s rent
- Fast closings on rental properties anywhere in Texas
- Loans from $150,000
- Business-purpose loans on investment property only, never a home you live in
Tell us the property, the rent and what you need. A loan officer comes back with your rate and terms.
Why Texas investors use DSCR loans
Texas rentals tend to come with high property taxes and rising insurance, so cash flow is decided at the property level. A DSCR loan looks at exactly that. It also lets you hold properties in an LLC, scale past the conventional-loan limit on financed properties, and refinance a finished BRRRR deal without waiting months for seasoning.
We lend across the state, including Houston, Dallas, Fort Worth, Austin and San Antonio.
How it works
Three steps from application to closing.
See your loan amount
Enter the price or value and the rent. Your loan amount shows right away.
Get your terms
A loan officer follows up with your rate and terms. No tax returns.
Close fast
Appraisal, title and closing on a fast timeline.
DSCR loans across Texas
Rental property loans statewide.
Questions investors ask
How much can I borrow on a purchase?
Up to 85% of the purchase price, so your down payment can be as low as 15%. Loans start at $150,000.
How much cash can I take out?
Up to 80% of the property’s current value, minus what you owe. There is no seasoning requirement, so you can refinance right after you buy or finish a rehab.
Do you verify my income?
No. We qualify the loan on the property’s rent compared with the monthly payment. No tax returns, W-2s or pay stubs.
How fast can you close?
Fast. Send the deal and a loan officer gives you a timeline based on the property, title and appraisal.
Where do you lend?
On rental investment property across Texas, including Houston, Dallas, Fort Worth, Austin and San Antonio.
What is the smallest loan you make?
Loans start at $150,000.