What is the maximum LTV on a Texas DSCR loan?

Up to 80% for purchases and rate-and-term refinances, and up to 75% for cash-out refinances.

Are Texas short-term rentals eligible?

Yes, short-term rentals are eligible, subject to local city rules.

Do you finance Texas duplexes and fourplexes?

Yes. We finance single-family and 2–10 unit residential rentals.

How are Texas property taxes treated?

Taxes are part of the monthly payment used in the DSCR calculation, so an accurate estimate matters.

Can I close in my LLC?

Yes. LLCs and individuals are both eligible.

What prepayment options are available?

Options include zero prepayment penalty, 3-2-1 and 5-4-3-2-1 declining structures.

How quickly can I get a quote?

Most investors receive a quote within 24 hours of sending the property details.

Texas Rental Property LoansDSCR

Texas DSCR Loans for Rental Investors

Population growth keeps Texas rentals full. Our DSCR loans let you grow a Texas portfolio on the strength of each property's rent, with no personal income documentation.

Get Funded in TX Call 1-800-674-3804

Hover or tap a pin to explore markets

80%

Max LTV on purchase

30-YR

Fixed rate, no call

680+

FICO score

Metros featured

Local Markets

Texas Rental Markets

Where Texas buy-and-hold investors are adding doors.

Houston

A large, diversified job base supports steady single-family rental demand.

Cypress
Spring
Pearland
Humble

Dallas–Fort Worth

Suburban growth corridors with strong demand for three- and four-bedroom rentals.

Frisco
McKinney
Denton
Mesquite

San Antonio

Affordable entry prices and military and healthcare employment.

Converse
Schertz
Leon Valley
Helotes

Austin

Long-term rentals around the tech corridor north and east of the city.

Round Rock
Pflugerville
Hutto
Manor

West Texas

Energy-driven rental demand in the Permian Basin.

Midland
Odessa
Lubbock

Available in Texas

Texas Rental Financing

Long-term debt for Texas rentals.

DSCR Loans

30-year fixed, up to 80% LTV on purchases, single-family through 10 units.

Cash-Out Refinance

Pull up to 75% LTV from a Texas rental with typical 3-month seasoning.

Rental Portfolio Loans

Finance multiple Texas rentals with one lender.

Hard Money Loans

Buying a fixer first? Start with Texas hard money and refinance later.

Local Insight

Running the Numbers on a Texas Rental

DSCR compares rent with the full monthly payment, including property taxes and insurance. In Texas those two lines can be larger than investors from other states expect, so get a current tax estimate and insurance quote before you set your offer price.

Short-term rentals are eligible on our program, but cities like Austin and San Antonio regulate them. Confirm local rules before underwriting a property on nightly-rental income.

General information only, not legal advice. Confirm local rules with your closing attorney or title company.

Property taxes

Use the post-purchase assessed value, not the seller's current bill.

Insurance

Wind and hail coverage can move the payment, especially near the Gulf Coast.

LLCs welcome

Close in your own name or your entity's.

Your Route to Closing

How We Fund Texas Deals

1
Send property details
Address, purchase price or value, and current or market rent.
2
Quote within 24 hours
See your rate and leverage based on credit and DSCR.
3
Lease, insurance, ID
A short one-page application plus a few documents.
4
Close and hold
Lock in a 30-year fixed payment for the long term.