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DSCR Loans in Texas

DSCR Loans in Texas — Qualify on the Rent, Not Your Tax Returns.

OneDSCR finances Texas rental property on the deal's cash flow — no personal tax returns, W-2s, or traditional DTI underwriting. Purchase, refinance, or pull cash out statewide, and close in an LLC.

  • Statewide coverage. Dallas–Fort Worth, Houston, San Antonio, Austin, El Paso and beyond.
  • Up to 80% LTV. On purchases and rate-and-term refinances, 75% cash-out.
  • Long-term and short-term rentals. Including Airbnb / VRBO where locally permitted.
  • Close in an LLC. Finance the way you actually hold real estate.
Speak to a DSCR Loan Specialist Learn More
Texas DSCR Calculator
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Estimate only, based on principal, interest, taxes, insurance, and HOA. Final terms subject to underwriting.

How DSCR loans work for Texas investors

A DSCR (Debt Service Coverage Ratio) loan qualifies a Texas rental on the property's income versus its full monthly payment — not on your personal tax returns or employment. Divide the property's monthly rent by its total payment (principal, interest, taxes, insurance, and any HOA); a ratio of 1.0 means the rent exactly covers the payment, and higher ratios unlock better leverage and pricing. That makes DSCR a common path for self-employed investors, portfolio builders, and anyone whose returns don't reflect what the property actually earns.

What Texas investors should know about DSCR loans

Texas pairs large, varied rental markets with tax dynamics that directly affect your ratio. Here's what shapes a Texas deal.

No state income tax

No individual state income tax. Texas does not impose an individual income tax, although other state, local and federal taxes can still apply.

Property taxes affect your ratio

Property taxes can materially affect your DSCR — the tax bill sits inside your monthly payment, so it's worth estimating county-specific taxes before you commit.

Large and diverse rental markets

Texas spans major metros, military markets, university towns, and energy hubs, giving investors a wide range of rental submarkets to underwrite.

Texas investor markets we finance

We lend statewide. These are among the Texas markets we most commonly finance.

Dallas–Fort Worth
Major metro rental market with extensive single-family and small multifamily inventory and active LLC-entity purchasing.
Houston
Large rental market with a wide range of single-family and small multifamily investment properties.
San Antonio
Large military and employment base with an active single-family rental market.
Austin
High-cost rental market with both long-term and eligible short-term rental opportunities.
El Paso & border metros
Border-region rental markets with generally lower entry prices.
Hill Country & vacation markets
Destination markets used for short-term-rental strategies where locally permitted.

Texas DSCR loan options

Purchase

Acquire your next Texas rental on cash-flow underwriting — up to 80% LTV, no income docs, close in an LLC.

Analyze My Purchase

Cash-Out Refinance

Pull equity from a property you own — up to 75% LTV — to fund the next acquisition, no income review.

Estimate My Cash Out

Rate & Term Refi

Refinance into better terms or a fixed 30-year without touching your equity or verifying personal income.

Check My Savings

Texas DSCR loan snapshot

Typical program parameters — final structure depends on credit, property, and the full file.

QualificationProperty rent — no tax returns / W-2s
Max LTV (purchase / R&T)Up to 80%
Max LTV (cash-out)Up to 75%
Typical down payment20–25%
Minimum credit650+ (case-by-case lower)
Reserves~3–6 months PITIA
Loan amounts$75K – $3M
VestingIndividual or LLC
Property typesSFR, 2–4 unit, condo, STR

What makes a Texas deal different

Property taxes move the ratio. Property taxes can materially affect your DSCR since they're part of your monthly payment — we run the county-specific tax math before you commit, not after.

Short-term rentals are set locally. Texas has no single statewide STR law, so whether you can operate a short-term rental depends on the city, zoning, HOA rules, and lender guidelines. We confirm the specific jurisdiction before you buy.

No state transfer tax. Texas doesn't levy a real-estate transfer tax, which keeps closing costs leaner than in many states.

Recently funded in Texas

Purchase · Katy
$384,000
  • 1.19 DSCR at 80% LTV
  • Closed in an LLC
  • Funded in 18 days
Cash-Out · Fort Worth
$291,500
  • 75% LTV cash-out
  • Stabilized single-family rental
  • Funded the next duplex purchase
Short-Term Rental · Fredericksburg
$472,000
  • Qualified on projected income
  • Valid local STR permit
  • Hill Country vacation market
Rate & Term Refi · San Antonio
$256,000
  • Lowered rate on a 30-year fixed
  • 1.31 DSCR at closing
  • Funded in 21 days
Purchase · Austin
$610,000
  • 1.05 DSCR at 75% LTV
  • Closed in an LLC
  • High-cost metro market

Ready to Move on Your Texas Deal?

Get a real DSCR read on your scenario — no credit pull, no income docs, no obligation.

View My Texas Loan Options

Texas DSCR loan FAQ

Straightforward answers to the most common questions about financing Texas rentals with DSCR loans.

No. A DSCR loan qualifies on the property's rental income versus its payment, so there are no personal tax returns, W-2s, or debt-to-income requirements. Your credit and reserves still matter, but the property's cash flow does the qualifying.

Yes. You can vest title in an LLC, the way many investors hold Texas rental property, or in your personal name. LLC vesting is supported on these loans.

Significantly. Texas property taxes are among the highest in the country and are part of your monthly payment. Because DSCR compares rent to the full payment, a higher tax load means the property needs more rent to reach the same ratio, so it's worth estimating the county-specific taxes up front.

Yes, where local rules allow it. Short-term-rental eligibility in Texas is set at the city level and varies by zoning, HOA rules, and lender guidelines rather than a single statewide law. Eligible short-term rentals can qualify on projected income, and it's important to confirm current city and HOA rules before you buy.

Plan on roughly 20 to 25 percent down. Purchases and rate-and-term refinances go up to 80% LTV and cash-out refinances up to 75%, with the exact leverage tied to credit, DSCR, and property type.

DSCR loans for Texas rental investors

OneDSCR helps real estate investors finance rental properties throughout Texas using the property's rental income as the primary qualification metric. Whether you're buying a single-family rental in Dallas, refinancing a property in Houston, or evaluating an eligible short-term rental in Austin, the loan is structured around the property's cash flow rather than traditional employment income.

Ready to finance your next Texas rental?

Get a real DSCR read on your scenario — no credit pull, no income docs.

See My Texas Loan Options

This is not an offer to lend or extend credit. All loan applications are subject to underwriting review, credit approval, and verification of information. Not all applicants will qualify. Loan terms, rates, LTVs, and availability are subject to change without notice and may vary based on creditworthiness, property type, market conditions, and jurisdiction. DSCR figures shown by the calculator are estimates only. OneDSCR originates loans for investment properties only.