DSCR Loans for Texas Real Estate Investors
Everything's bigger in Texas—including your investment potential.
DSCR loans are the go-to option for investors looking to grow fast without income verification.
What Is a DSCR Loan?
DSCR stands for Debt Service Coverage Ratio. These loans focus on how much income the property generates—not you.
If your rental income covers the mortgage payment, you’re likely approved.
No tax returns. No pay stubs. No explaining.
Why DSCR Loans Work in Texas
Booming Rental Demand
Cities like Dallas, Houston, Austin, and San Antonio are thriving.Flexible Property Types
From single-family homes to 4-unit rentals and short-term Airbnbs.Investor-Friendly Rules
Texas is a landlord-friendly state with no income tax.Out-of-State Investors Welcome
Many investors are buying in from California, New York, and Florida.
DSCR Loan Requirements in Texas
DSCR Ratio: 1.0 to 1.25
Credit Score: 620+
Down Payment: 20% minimum
Loan Sizes: $100,000 up to $2M+
Use Case: Long-term rentals, Airbnb, BRRRR, multi-family
Best DSCR lenders in Texas for rental property investors
You’ll want a lender who knows the Texas market—especially cities with fast growth and high rent:
Austin – Hot short-term rental market
Dallas-Fort Worth – Consistent cash flow
Houston – Diverse rental base
San Antonio – Affordability and high demand
Who Should Use a DSCR Loan?
Investors with little or no W-2 income
Airbnb hosts looking to scale
BRRRR investors
Out-of-state buyers targeting Texas markets
Self-employed professionals
If your property cash flows, you can qualify. It’s that simple.
