Get Approved for DSCR Loans in Texas in as Little as 48 Hours.
No Personal Income Verification
Your approval is based on rental income from the property, not your job, tax returns, or pay stubs.
Fast, Streamlined Closings
We move fast. Our loan team knows exactly what to ask for—and what to ignore. You close in days, not weeks.
Scale Without Hitting a Ceiling
There’s no limit based on your personal debt. That means you can keep buying, refinancing, and growing your portfolio.
Top DSCR Lender For Real Estate Investors In Texas
Internet Loans Direct
Top Rated Private Mortgage Lender
DSCR Purchase and Cash Out Options
Short / Long Term Rentals & Fix and Flips
We Offer Rates From 100+ Lenders
Same Day Income & Credit Approval
No Tax Returns Required!
Frequently Asked Questions
Aren't DSCR loan rates higher than conventional loans?
While DSCR rates are typically 1-2% higher than conventional loans, they unlock investment opportunities that conventional loans simply can't. The ability to scale your portfolio without income verification, close in an LLC, and qualify based on property performance creates wealth-building potential that far outweighs the modest rate difference. Many of our investors see ROI improvements of 20-30% despite the higher rate.
Do I need perfect credit to qualify for a DSCR loan?
No! While conventional lenders often require 740+ credit scores, our DSCR loans can be approved with scores as low as 620. We focus more on the property's performance than your personal credit history. Even investors with past credit challenges have successfully secured financing through our program.
Is a 20-25% down payment really necessary?
Yes, but this is actually an advantage for serious investors. Higher down payments mean lower monthly payments and better cash flow. For properties with strong income potential, we offer financing options that maximize your returns despite the initial investment. Many investors use the cash-out option after 6 months to recover their down payment for the next property.
How long does the DSCR loan approval process take?
Unlike conventional loans that can take 45-60 days, our DSCR loans typically close in 15-25 days. This speed gives you a competitive advantage when making offers, especially in hot markets where sellers prefer quick closings. Our streamlined process eliminates the extensive documentation requirements of traditional loans.
What if my property doesn't have rental income yet?
No problem! For purchase loans on properties without existing rental history, we use market rent estimates from a professional appraiser. This allows you to qualify based on the property's potential income rather than its current state. This is especially valuable for properties needing renovation or newly converted to rental use.
Do DSCR loans work for short-term rentals like Airbnb?
Absolutely! We specialize in financing both traditional long-term rentals and short-term vacation rentals. While some lenders avoid STRs, we understand their higher income potential and have specific programs designed for Airbnb and VRBO properties. We use specialized income calculation methods that account for seasonal variations in short-term rental income.
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