Texas Loan Options
DSCR Loans in Texas
Investing in Texas’s real estate market offers incredible potential, but securing the right financing can be a challenge. Debt Service Coverage Ratio (DSCR) loans provide a specialized solution tailored for property investors. These loans focus on the property’s income potential rather than your personal income, making them an excellent choice for investors looking to expand their portfolios across Texas, including major markets like Austin, Dallas-Fort Worth, Houston, San Antonio, and scenic destinations such as the Texas Hill Country and Gulf Coast.
Whether you’re investing in traditional long-term rentals or lucrative short-term rental opportunities like Airbnbs, VRBOs, or self-managed nightly rentals, our expertise and flexible financing options can help you achieve your investment goals.
What Are DSCR Loans?
DSCR loans are designed for real estate investors seeking financing based on a property’s rental income and annual debt. This unique loan program evaluates the property’s cash flow rather than relying on your employment history or personal income. Whether you’re investing in single-family rentals in Dallas, short-term Airbnbs in Austin, or vacation properties along the Texas Gulf Coast, our DSCR loans provide the financial flexibility to help you achieve your investment goals.
Why Choose a DSCR Loan?
Unlike traditional loan programs, DSCR loans are tailored for real estate investors who:
- Rely on rental income rather than personal earnings.
- Aim to finance multiple investment properties, including short-term rental units, simultaneously.
- Prefer a streamlined approval process with fewer income documentation requirements.
By focusing on the property’s income potential—including short-term rentals like VRBOs, Airbnbs, and self-managed nightly stays—our DSCR loans simplify the qualification process, allowing investors to secure funding quickly and efficiently.
Who Can Benefit From DSCR Loans in Texas?
DSCR loans are particularly well-suited for residential property investors in Texas, including:
- Investors looking to expand their rental property portfolios.
- Individuals who do not meet conventional income verification standards.
- Buyers seeking to capitalize on Texas’s thriving rental market, including high-yield opportunities with short-term rentals like Airbnbs and vacation homes.
Available throughout Texas—including major markets like Austin, Dallas-Fort Worth, Houston, San Antonio, and popular vacation destinations like the Texas Hill Country and Gulf Coast—our DSCR loans offer tailored solutions to meet the needs of property investors statewide.
DSCR Loan Benefits
Our DSCR loans in Texas provide a smart and flexible way to finance rental property investments. These loans give you access to funding for both long-term and short-term rentals without the hurdles of the traditional mortgage process.
Key Benefits Include:
- Potentially faster closing times.
- No income or employment history required.
- Interest-only loan options available.
- Suitable for both new and experienced real estate investors.
- Works with long-term and short-term rentals, including Airbnbs and VRBOs.
- Loan amounts up to $5,000,000.
- Unlimited cash-out refinancing.
- No reserves required on cash-out loans (6 months required for loans with a DSCR of 1 or more).
- Down payments as low as 20% for select loans.
Whether you’re managing traditional long-term rentals or high-yield short-term rental properties, our DSCR loan programs offer the resources and expertise to help you succeed.
Where We Lend
We proudly serve the entire state of Texas, including major metropolitan areas like Austin, Dallas-Fort Worth, Houston, and San Antonio, as well as high-demand rental markets such as the Texas Hill Country and Gulf Coast vacation destinations. Whether you’re investing in a booming urban area or a serene getaway, our team is here to support your real estate investment goals.
*These products may have a higher interest rate, more points or more fees than other products requiring documentation.
Information and self-help tools are provided for your independent use and are not intended to provide investment advice. We cannot and do not guarantee loan eligibility or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to speak with one of our experienced loan officers for a loan eligibility analysis and custom rate and payment estimate.
