Direct DSCR Lender · Texas
DSCR loans in Texas. Built for speed.
Direct DSCR lender serving Texas real estate investors. Qualify on rental income — no tax returns or W-2s. Same-day scenario response, 95% approval rate.
- Statewide Texas coverage
- No tax returns or W-2s
- 15% down minimum
- Credit scores from 620
- LLC, trust, or personal name
- STR (Airbnb) & foreign national OK
What's your goal?
Pick what you'd like to do today.
Trusted Lender
Connect with the right team to keep your transaction smooth from app to close.
Creative Solutions
Self-employed, foreign national, ITIN, mixed-use — we have a program for you.
Secure & Private
Your data is encrypted and never sold.
Fast to Close
Average 14–30 days from clean app to clear-to-close. Same-day scenario response.
Why Texas investors choose Quicker Home Loans.
Texas is the single largest DSCR market we lend in — and the one where DSCR calc accuracy matters most, because the 21 to 41-day non-judicial foreclosure process is the fastest in the country but property tax is among the highest. First-Tuesday-of-month trustee auctions are a lender advantage that directly affects pricing. The offset is that DSCR ratios are extremely sensitive to the Texas property tax line — using appraisal-district estimates instead of the actual recent tax bill can move a file from qualifying to declined.
Dallas-Fort Worth and Houston/Harris County are the two biggest Texas DSCR metros. Austin slowed meaningfully in 2023-2024 after the appreciation run cooled, but remains active. San Antonio is the steady cash-flow market of the four — lower entry prices, more out-of-state investor concentration. Collin and Tarrant counties (DFW suburban) are where a lot of the 2-4 unit and SFR-build-to-rent DSCR volume lives. STR regulation is city-level and evolving post-Austin-2024-ruling.
When a Texas deal doesn't fit our standard guidelines, we run it through the Approval Engine — a wider underwriting framework that finds an angle. That's how we close 95% of the deals we touch.
Texas DSCR context
DSCR in Texas — what matters.
A few Texas-specific factors shape how DSCR deals get structured here:
- Foreclosure process
- Texas uses a non-judicial foreclosure process, with typical uncontested timelines running 21–41 days.
- Property tax
- Statewide owner-occupied benchmark is roughly 1.40%. Investment property underwriting should use actual county tax bills and investor assessment rules — not homeowner-facing averages.
- Landlord climate
- Texas's landlord-tenant framework is strongly landlord-friendly.
- Short-term rentals
- State law preemption has been litigated; Austin's 2016 ban was held unconstitutional in 2024 but cities still regulate heavily (registration, HOT tax); Dallas, Houston have lighter regimes.
Right program, right state
Which QHL programs fit Texas.
Every Texas DSCR file at QHL gets a tax-bill validation before it hits final underwriting — we've seen too many files come in with optimistic tax estimates that don't survive a real assessment. Homestead exemption does not apply to investment property, so expect the full rate. Standard DSCR at 80% handles most DFW and Houston SFR; Austin and Houston STR operators fit our Airbnb DSCR program; and for Texas portfolios of 10+ doors, blanket is almost always the answer.
Prepayment penalty
Prepayment penalty in Texas.
Up to a 5-year prepayment penalty period is permitted under QHL programs in this state.
PPP terms are confirmed at underwriting and may vary with loan amount, vesting, and property type.
Worth knowing
Notes on the Texas market.
The 1.40% statewide tax figure is a floor, not a target. Harris, Dallas, Travis, and Tarrant county bills for investment property routinely land 15–25% above the statewide benchmark once city, school, MUD, and special-district assessments are layered in. We validate the actual recent tax bill on every Texas DSCR file, because underwriting to the statewide average is one of the most common ways a Texas file comes in looking strong on paper and underwrites weak at submission.
All programs available
Loan programs in Texas.
DSCR Loans
Qualify on rental income — no tax returns or W-2s.
Learn more →DSCR HELOC / 2nd Mortgage
Tap equity from your investment property — without touching your first.
Learn more →Fix-and-Flip Loans
Buy. Rehab. Sell. Repeat.
Learn more →Bank Statement Loans
12 or 24 months of bank statements instead of W-2s.
Learn more →ITIN Loans
Buy or refinance investment property with an ITIN — no SSN required.
Learn more →Commercial Real Estate
Multi-family, mixed-use, retail, office, industrial.
Learn more →Blanket & Portfolio Loans
Finance 2 to 100+ properties under one loan.
Learn more →Transactional Funding
Same-day funding for double closings.
Learn more →P&L Statement Loans
Qualify with a CPA-prepared profit & loss statement.
Learn more →Cities served
We serve investors in every Texas city.
Don't see your city? We lend everywhere in Texas. Call 551-375-6403.
Questions
DSCR loans in Texas — FAQ
Yes. Quicker Home Loans is a direct DSCR lender serving Texas real estate investors. We finance single-family rentals, 2–4 unit, multifamily, mixed-use, and short-term rentals statewide.
Ready to lower your rate?
Ready to fund your next Texas investment?
Send us your scenario or upload a competing term sheet — we'll either beat it or tell you straight up that you've got a great deal.
Disclosure
The content on this page is provided for informational purposes only and does not constitute legal, tax, accounting, or financial advice. While Quicker Home Loans endeavors to keep state-specific information accurate as of the last review date, statutes, regulations, tax rates, and local ordinances are subject to change. You should independently verify any statement on this page with qualified legal counsel, a licensed tax professional, or the appropriate state or local authority before relying on it in connection with a real estate investment or loan decision. Last reviewed: April 18, 2026.