DSCR loans let Texas real estate investors qualify based on rental income—no tax returns, no W-2s, no employment verification. Scale your portfolio without limits.
Your ratio determines your rate, down payment, and terms. We accept all three.
Rent falls short of mortgage
Best for:Appreciation-focused investors in high-growth Texas markets where rents haven't caught up to purchase prices yet. Below 0.75? Rate & term still available at 65% LTV max.
Rent covers mortgage payment
Best for: Cash-flow neutral investors counting on rent growth, tax benefits, and long-term appreciation in stable Texas metros.
Strong positive cash flow
Best for: Buy-and-hold investors with properties that generate 25%+ more rent than the mortgage — the sweet spot for DSCR lending.
Built for investors who want to qualify on property cash flow, not personal income.
Investors building long-term rental portfolios who want to qualify on property income, not personal W-2s.
Airbnb and VRBO operators who need investment property financing based on projected nightly revenue.
Experienced investors who’ve hit the conventional 10-property cap and need unlimited portfolio financing.
Business owners and entrepreneurs who want to invest in real estate without documenting personal income.
Investors who hold properties in LLCs or partnerships and need a lender who closes in entity names.
Non-US citizens investing in Texas rental properties who cannot provide domestic income documentation.
Your rental properties generate income. Our DSCR loan programs let that income do the qualifying—so you can grow your Texas real estate portfolio without the paperwork of traditional mortgages.
Your rental income is the qualification. If the property’s monthly rent covers the mortgage payment, you can qualify—regardless of your personal tax return or W-2 situation.
Protect your personal assets by closing in the name of an LLC, S-Corp, or other business entity. DSCR loans are structured for sophisticated investors who want proper liability separation.
Unlike conventional loans that cap at 10 financed properties, DSCR programs have no portfolio limit. Scale your rental portfolio as fast as you can find deals.
Maximize your monthly cash flow with interest-only payment structures available on select programs. Keep more rental income in your pocket while your tenants build your equity.
No tax returns, no W-2s, no pay stubs. Qualification is 100% based on the investment property's rental income covering the debt service.
No cap on how many financed properties you can own. DSCR programs let you scale your portfolio far beyond the conventional 10-property limit.
Simplified documentation means faster underwriting. Most DSCR loans close in 21–30 days, letting you win competitive deals in the Texas market.
From property analysis to closing day—streamlined for investors.
Submit your deal to our investor desk. We’ll analyze the market rent, calculate the DSCR ratio, and confirm eligibility within 24 hours.
Receive a pre-approval letter based on the property’s income potential and your credit profile. No tax returns or employment verification needed.
We order the appraisal and rental survey. Our underwriters verify the DSCR ratio and clear conditions. Timeline: 2–3 weeks.
Close at a Texas title company in your personal name or LLC. Fund and start collecting rent on your new investment property.
DSCR = Monthly Rent ÷ Monthly Mortgage Payment (PITIA)
We accept DSCR ratios starting at 0.75. Ratios below 1.0 require larger down payments and carry a rate premium. 1.0–1.24 gets standard terms. 1.25+ unlocks the best rates, lowest down payment, and maximum leverage.
Minimum 620 credit score to qualify. 700+ unlocks better pricing and higher leverage. We pull credit but do not verify personal income, employment, or tax returns.
Typically 3–6 months of PITI reserves for loans under $1.5M, and 6–12 months for larger amounts. Retirement accounts, brokerage accounts, and savings all count.
Single-family rentals, 2–4 unit multifamily, townhomes, condos, and even short-term rental properties (Airbnb/VRBO). Investment properties only—not owner-occupied.
Side-by-side comparison for Texas real estate investors.
Run the numbers on your next Texas investment property.
Answers to the most common questions Texas investors ask about DSCR financing for rental properties.