Texas (TX)
DSCR Loans in Texas
Property-cash-flow mortgages for Texas real estate investors. No tax returns, 80% LTV, close in 13 days.
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 LTV80% purchase · 80% cash-out refi
- Minimum Credit620 FICO
- Minimum DSCR1.0 (sub-1.0 with compensating factors)
- Property Types1–8 unit residential, condos, small multi-family, STR
- Borrower EntityIndividual, LLC, LP, Trust
- Income DocumentationNone required
- Rate RangeMid-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
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Frequently Asked Questions
Ready to Fund Your Texas Rental?
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Texas Rental Properties for Investors
Exclusive
active
DSCR Eligible
Land
$2,300,000
CR 4518 Ranch Property
Wolfe City, TX 75496
Est. Rent
$8,500/mo
Cap Rate
3.1%
Cash Flow Positive: $6,000/mo
435,600 sqft
Off-Market
active
DSCR Eligible
Mixed-Use
$485,000
445 Main Street
Houston, TX 77002
Est. Rent
$5,200/mo
Cap Rate
9.4%
Cash Flow Positive: $3,800/mo
2 beds2 baths3,200 sqft3 units