Investor Financing · Houston & Greater Texas

Build a Portfolio.
Not a Paper Trail.

DSCR loans let rental income do the talking. No tax returns, no W-2s, no employment verification — just the numbers on your deal. Close in your LLC and keep scaling.

Start Your Application Talk Strategy First
1.0+
DSCR Minimum to Qualify
LLC
Close in Your Entity
No W-2
Required for DSCR
1–8
Units Eligible
★ Primary Product for Investors

DSCR Loans — Qualify on Rental Income, Not Your Salary

Debt Service Coverage Ratio (DSCR) financing is built for real estate investors who want to scale without strangling their personal tax returns. The property qualifies itself — if the rent covers the mortgage, you're in business.

  • No personal income documentation required
  • No employment verification or W-2s
  • Close in the name of your LLC or corporation
  • Short-term rental (Airbnb/VRBO) income considered
  • 1–8 unit residential investment properties
  • Available in Houston, Katy, Cypress, Sugar Land, The Woodlands & statewide Texas
Apply for DSCR Run Your Deal

DSCR Quick Check

Estimate your deal's coverage ratio in seconds.

PITIA = Principal, Interest, Taxes, Insurance, and Association dues. This estimate is for illustration purposes only. Actual qualification is subject to full underwriting review. Not a commitment to lend.

How It Works

Three Steps to a Funded Deal

DSCR underwriting strips out the complexity of personal income analysis. Here's exactly how lenders evaluate your investment property.

01
🏠

Property Appraisal & Rent Schedule

An appraiser assesses both the market value and the fair market rent. For short-term rentals, 12 months of platform revenue may be used in lieu of the rent schedule.

02
📊

Calculate the Ratio

Divide gross monthly rent by the full PITIA (principal, interest, taxes, insurance, association dues). A ratio of 1.0 or higher means the property pays for itself — lenders love that.

03
🔑

Close in Your Entity

Unlike conventional financing, DSCR loans can close in an LLC or corporation — protecting your personal assets and keeping your portfolio properly structured from day one.

DSCR vs. Conventional

Which Investor Loan Is Right for You?

Both products serve investor needs — but they serve very different situations. Here's how they stack up.

Feature DSCR Loan Conventional Investor
Income Documentation Rental Income Only Personal Income (W-2, Tax Returns)
Employment Verification Not Required Required
Close in LLC Yes No (personal name only)
Max Financed Properties No stated cap* 10 (Fannie/Freddie limit)
Short-Term Rental Income Eligible Limited / Lender-specific
Credit Score Min. ~660–680+ ~620+
Down Payment Min. ~20–25% 15–25%
Best For Scaling investors, self-employed W-2 earners, first investment property

*Subject to lender overlays. Guidelines vary. Not a commitment to lend. Equal Housing Lender.

Common Questions

Investor Loan FAQs

A DSCR of 1.0 means the property's rental income exactly covers the monthly mortgage payment (PITIA). Many lenders require at least 1.0, while some prefer 1.1 or higher. A DSCR below 1.0 doesn't automatically disqualify you — some lenders accept ratios as low as 0.75 with compensating factors like a larger down payment or higher credit score. Tyler can walk you through the specific scenarios.
Yes — many DSCR lenders will consider short-term rental (STR) income from platforms like Airbnb or VRBO. Typically, 12 months of documented platform revenue or a market STR rent analysis from the appraisal is used. STR income requirements vary by lender, so it's important to match your deal with the right program.
Credit matters less than with conventional loans, but it still plays a role. Most DSCR programs want to see a 660–680 minimum credit score, though some go lower with compensating factors. Higher credit scores often unlock better pricing and lower down payment requirements.
Unlike Fannie Mae's 10-property cap for conventional investment loans, DSCR programs don't carry a hard federal limit on portfolio size. Lenders may set their own overlays, but it's common for investors to hold 10, 20, or even 50+ DSCR-financed properties. This is a major reason scaling investors prefer DSCR.
Most DSCR programs require 20–25% down on single-family investment properties. The exact requirement depends on the DSCR ratio, credit score, and property type. Multi-unit properties (2–4 units) may require more. Texas-specific programs vary — let's talk about your specific deal.

Ready to Run the Numbers on Your Next Deal?

Book a free 30-minute strategy call with Tyler. Bring the property address, the rent comp, and your goals — he'll tell you exactly which product fits and what you'll need to close.

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