Texas (TX)

DSCR Loans in Texas

Property-cash-flow mortgages for Texas real estate investors. No tax returns, 80% LTV, close in 13 days.

Get a TX DSCR QuoteRun DSCR Calculator

Why DSCR Loans Work in Texas

Texas combines population growth, no state income tax, and strong rental demand — making DSCR financing ideal for buy-and-hold investors in DFW, Houston, and San Antonio.

Average Rent
$1,850/mo (SFR statewide)
Top Markets
DFW, Houston, San Antonio for cash flow; Austin for appreciation.
Close Time
13–21 days statewide

Texas DSCR Loan Program

  • Loan Amount
    $100,000 – $5,000,000+
  • Max LTV
    80% purchase · 80% cash-out refi
  • Minimum Credit
    620 FICO
  • Minimum DSCR
    1.0 (sub-1.0 with compensating factors)
  • Property Types
    1–8 unit residential, condos, small multi-family, STR
  • Borrower Entity
    Individual, LLC, LP, Trust
  • Income Documentation
    None required
  • Rate Range
    Mid-7% to low-9% (Nov 2025)

Cities We Fund in Texas

Houston
Dallas
Austin
San Antonio
Fort Worth
El Paso

Plus every other city, town, and county across Texas. Statewide coverage.

Related Resources

DSCR Loan Program Overview →
Full program details, rates, and how DSCR loans work.
DSCR Loan Requirements →
Credit, DSCR ratio, down payment, and documentation.
DSCR vs Conventional →
Compare DSCR to traditional investment mortgages.
DSCR Calculator →
See if your Texas property qualifies in 30 seconds.

DSCR Loans in Other States

AlabamaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaTennesseeUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming

Frequently Asked Questions

Ready to Fund Your Texas Rental?

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