Compare DSCR lenders in Texas, including requirements, rates, STR eligibility, and how Texas property taxes affect qualification.
Updated: March 2026 | Based on current Non-QM lender guidelines
DSCR loans in Texas allow real estate investors to qualify using rental income instead of personal income. Most lenders require a DSCR of 1.0, though some go as low as 0.75 with up to 85% LTV — no W-2s, tax returns, or personal income verification required.
The best DSCR loan options in Texas depend on factors like minimum DSCR requirements, loan-to-value (LTV), property type, and how Texas’s high property tax rates affect your DSCR calculation.
DSCR loans in Texas allow real estate investors to qualify using rental income instead of personal income, with options up to 85% LTV and DSCR as low as 0.75 — no W-2s, tax returns, or personal income verification required.
This guide is designed for real estate investors evaluating DSCR loan options in Texas, including long-term rentals, short-term rentals, military market investing, and portfolio expansion strategies across Houston, Dallas-Fort Worth, Austin, San Antonio, and the broader Texas market.
A DSCR loan qualifies real estate investors based on a property’s rental income rather than personal income, tax returns, or W-2s.
Definition: A DSCR loan is a Non-QM mortgage used by real estate investors that qualifies borrowers based on a property’s rental income instead of personal income, using the debt service coverage ratio (DSCR). No personal income documentation required.
This guide compares DSCR lenders in Texas across key variables like DSCR thresholds, LTV, STR eligibility, and how property tax differences across Texas counties affect loan approval.
DSCR loans are not the right fit for owner-occupants or primary residence buyers — conventional or Non-QM income programs will be a better fit in those cases. Loan terms vary by lender and borrower profile; figures in this guide reflect current guidelines as of March 2026.
What is a DSCR Loan in Texas?
A DSCR loan in Texas is a type of Non-QM mortgage that qualifies real estate investors based on rental income rather than personal income. Lenders evaluate the property’s Debt Service Coverage Ratio (DSCR), calculated by dividing rental income by PITIA (principal, interest, taxes, insurance, and HOA). No W-2s, tax returns, or employment verification required.
DSCR lender options in Texas vary significantly based on DSCR thresholds, property market, and rental strategy — making side-by-side comparison important for investors targeting different Texas submarkets.
DSCR Formula: DSCR = Rental Income ÷ PITIA
Texas DSCR Loan — Quick Answer
What Is a DSCR Loan in Texas?
A DSCR loan in Texas is a mortgage for real estate investors that qualifies based on rental income instead of personal income. Borrowers do not need W-2s, tax returns, or employment verification. Most Texas DSCR loans require a minimum DSCR of 1.0, but some lenders (including Defy Mortgage) allow DSCR as low as 0.75 with up to 85% LTV.
Unlike conventional loans that qualify based on personal income and DTI ratios, DSCR loans in Texas qualify based on rental income — making them ideal for investors who want to scale without personal income limitations. Texas’s scale — four major metros, no state income tax, and one of the strongest population growth trajectories in the country — makes it one of the highest-volume DSCR states nationally. One important factor unique to Texas: property taxes among the highest in the country, which directly compresses DSCR and makes lender threshold flexibility particularly important.
Texas DSCR Loan — Quick Qualification Snapshot:
| Requirement | Typical Market | Defy Mortgage |
|---|---|---|
| Min DSCR | 1.0 | 0.75 |
| Min credit score | 640–680 | 640 |
| Max LTV (SFR purchase) | 80% | 85% |
| Income documentation | Required | Not required |
| STR eligible | Some lenders | Yes |
| Loan amounts | Up to $3M–$4M | Up to $6M |
| Close time | 30–45 days | 14–21 days |
Key DSCR Underwriting Factors in Texas:
- DSCR (Debt Service Coverage Ratio) — rental income ÷ PITIA; the primary qualification metric
- PITIA (Principal, Interest, Taxes, Insurance, HOA) — Texas property taxes make this higher than most states
- LTV (Loan-to-Value) — maximum leverage available; 85% at Defy vs. 80% market standard
- NOI (Net Operating Income) — rental income before debt service; the numerator in the DSCR formula
DSCR loan programs in Texas vary by lender, but most follow similar underwriting principles centered on rental income, DSCR thresholds, and property-level cash flow.
Texas Real Estate Market Overview
Texas is the second-largest state in the U.S. by population and one of the most active real estate investment markets in the country. Based on recent U.S. Census and migration data, Texas has led the nation in net domestic population growth for the past decade — with the Dallas-Fort Worth metro alone adding more residents annually than most entire states.
Why Texas is a strong DSCR market:
- No state income tax — Texas’s tax structure reinforces net return advantage for investors; rental income is not subject to state-level taxation, improving cash-on-cash yields relative to comparable markets
- Corporate relocation engine — Texas has attracted the headquarters or significant operations of Tesla, Oracle, Hewlett Packard Enterprise, Charles Schwab, and dozens of other major employers over the past five years, driving sustained professional-grade rental demand across Dallas-Fort Worth, Austin, and Houston
- Population growth — based on recent migration data, four Texas metros (Dallas-Fort Worth, Houston, Austin, San Antonio) rank among the top 10 fastest-growing large metros in the United States
- Military installations — Joint Base San Antonio (JBSA) is the largest military installation in the United States by personnel, generating stable BAH-backed rental demand across the San Antonio metro
- STR market depth — Fredericksburg, South Padre Island, Lake Travis, and the Texas Hill Country produce strong vacation rental demand; Austin’s entertainment and SXSW/ACL tourism drives significant urban STR revenue
Texas investor markets by submarket:
- Dallas-Fort Worth — the fastest-growing large metro in the United States; strong corporate relocation demand from financial services, tech, and healthcare employers; suburban DFW (Frisco, McKinney, Plano, Arlington) delivers strong SFR rental demand with improving cash flow relative to intown Dallas
- Houston — the largest city in the South; energy sector concentration drives upper-tier rental demand; strong foreign national investor presence, particularly from Latin America and Asia; port-driven industrial growth creates workforce housing demand
- Austin DSCR loans — tech sector concentration (Apple, Google, Meta, Dell) drives upper rental tier; strong appreciation trajectory with tighter current cash flow; sub-1.0 DSCR scenarios common on intown Austin properties; STR demand driven by SXSW, ACL, and University of Texas
- DSCR loans Houston — cash flow capital of Texas (lowest entry prices, 6-8% rental yields, suburban DSCR ratios 1.15x-1.30x)
- San Antonio — JBSA military market produces predictable BAH-backed rental income; affordable acquisition prices deliver some of the strongest DSCR ratios in Texas; medical center employment (UT Health San Antonio) adds long-term rental depth
- Texas Hill Country / Fredericksburg — premier Texas STR market; wine country tourism, wedding venue proximity, and outdoor recreation drive strong vacation rental demand with high average daily rates
The Texas Property Tax Factor
How do property taxes affect DSCR in Texas?
Texas has no state income tax, but funds public services through property taxes — among the highest effective rates in the United States. Property taxes are included in PITIA, which is the denominator of the DSCR calculation. Higher property taxes increase monthly PITIA and directly reduce DSCR ratios compared to lower-tax states.
Texas effective property tax rates typically range from 1.6% to 2.5% of assessed value annually — two to three times the national average. On a $400,000 Texas property, annual taxes of $8,000–$10,000 add $667–$833/month to PITIA. In a lower-tax state with $2,400/year in taxes, the same property would have $200/month in taxes — a PITIA difference of $467–$633/month that directly compresses DSCR.
What to do:
- Always use the actual county tax rate, not a national average, when calculating DSCR for Texas properties — tax rates vary significantly by county and municipality
- Travis County (Austin), Harris County (Houston), Bexar County (San Antonio), Tarrant County (Fort Worth), Collin County (Plano/Frisco), and Dallas County all carry different effective rates — sometimes varying by 0.3–0.5% within a single metro
- Programs allowing DSCR down to 0.75 (such as Defy Mortgage) provide meaningful buffer for Texas’s higher property tax environment — see full threshold options in our DSCR loan requirements guide
Use our DSCR loan calculator with your actual Texas county tax rate before assuming you’ll qualify at any given loan amount.
Texas DSCR Loan Requirements (2026) | Minimums & LTV
Minimum DSCR Ratio
Most Texas lenders require a minimum DSCR of 1.0. Some lenders (including Defy Mortgage) offer programs down to 0.75, which opens financing for:
- Intown Austin properties with strong appreciation trajectory but compressed current cash flow
- Hill Country STR properties with strong projected seasonal income but variable monthly cash flow
- Value-add acquisitions across Texas where rents will increase post-renovation
See full threshold and qualification details in our DSCR loan requirements guide.
Many Texas investors target DSCR ratios between 1.10 and 1.30 for long-term rental properties — San Antonio and suburban DFW consistently deliver that range at standard acquisition prices.
Credit Score
The market standard for Texas DSCR loans is 640–680 FICO minimum. At Defy, the minimum is 640. Borrowers above 740 unlock the highest LTV options and best rates.
Loan-to-Value (LTV)
| Transaction | Market Standard | Defy Mortgage |
|---|---|---|
| Purchase — SFR | Up to 80% LTV | Up to 85% LTV |
| Purchase — 2–4 Unit | Up to 75–80% LTV | Up to 80% LTV |
| Rate/Term Refinance | Up to 80% LTV | Up to 80% LTV |
| Cash-Out Refinance | Up to 70–75% LTV | Up to 80% LTV |
| Short-Term Rental | Up to 75% LTV | Up to 80% LTV |
Eligible Property Types
- Single-family rentals (SFR)
- 2–4 unit multifamily
- Condos (warrantable and non-warrantable)
- Townhomes and PUDs
- Short-term rentals (STR) — Airbnb, VRBO, and vacation rentals
- Condotels
- Modular homes (site-built)
Reserves
Most DSCR lenders require a minimum of 3 months PITIA reserves for standard Texas DSCR approvals. Higher LTV or sub-1.0 DSCR scenarios may require 6–12 months.
Loan Amounts
Certain lenders (including Defy Mortgage) close Texas DSCR loans from $75,000 to $6,000,000.
Compared to conventional loans that require W-2s and tax returns, DSCR financing in Texas qualifies the property — not the borrower. As noted above, this DSCR financing measures rental income relative to PITIA — the higher the ratio, the stronger the qualification. Program specifics vary by lender; comparing terms across multiple Texas DSCR lenders is recommended before committing to a loan structure.
DSCR Loan Rates in Texas (2026 Update)
Current Texas DSCR rates as of March 2026: Defy Mortgage is pricing at 6.000% on purchase for a 740 FICO borrower at 75% LTV with a DSCR of 1.0 or better.
For a full breakdown of rates by LTV tier, credit score, and DSCR ratio, see our Non-QM mortgage rates page.
How DSCR Loans Work in Texas (Step-by-Step)
- Estimate market rent — use an appraisal, AirDNA data (for STRs), or existing lease agreement
- Calculate PITIA — include principal, interest, actual Texas county property taxes, insurance, and HOA
- Compute DSCR — divide monthly rental income by monthly PITIA
- Compare against lender threshold — most lenders require 1.0 minimum; some (including Defy Mortgage) go to 0.75
- Qualify based on property cash flow — no personal income, tax returns, or W-2s required
If you’re unsure whether your property qualifies, most Texas investors benefit from getting a quick DSCR analysis before submitting a loan application. Use our DSCR loan calculator with your actual Texas county tax rate to run the numbers in advance.
Best Cities in Texas for DSCR Loans
| Scenario | Target DSCR | Why |
|---|---|---|
| Austin appreciation play | 0.75–1.0 | High price points, tighter cash flow, strong appreciation |
| DFW suburban rental (Plano, Frisco) | 1.10–1.30 | Strong rents, affordable taxes vs. Dallas proper |
| San Antonio military rental | 1.20–1.35 | BAH-backed rents, low acquisition prices |
| Houston workforce rental | 1.10–1.25 | Diverse employment base, stable long-term demand |
| Hill Country / Fredericksburg STR | AirDNA-based | Seasonal income, AirDNA projection required |
How to Choose a DSCR Loan in Texas
- If your DSCR is below 1.0 → look for lenders offering DSCR down to 0.75 — Texas’s high property taxes make sub-1.0 scenarios more common than in lower-tax states, particularly in Austin and intown Dallas
- If you want maximum leverage → prioritize 85% LTV options; most lenders cap at 80%, saving $20,000 at closing on a $400,000 DFW SFR
- If you’re buying a Hill Country or Austin STR → confirm the lender uses AirDNA or appraisal-based STR income projections; Texas vacation rental income is highly seasonal and lenders calculate it differently
- If you’re investing in San Antonio → military market rental income is stable and predictable; confirm lender accepts BAH lease structures as qualifying income
- If you’re a foreign national → Houston’s international investor base is one of the largest in the country; confirm the lender has an active foreign national DSCR program
- If you’re scaling a portfolio → check loan amount limits and LLC eligibility — certain lenders go up to $6M with LLC vesting available
- If speed matters → choose lenders with in-house underwriting; direct lenders close in 14–21 days vs 30–45 days for brokers
When evaluating DSCR lender options in Texas, small differences in insurance assumptions and DSCR minimums can significantly impact approval. Comparing DSCR lenders in Texas is critical, as differences in DSCR thresholds, STR treatment, property tax assumptions, and military rental handling can significantly affect loan approval across different Texas submarkets.
Short-Term Rentals (STR) in Texas
Texas has several distinct STR markets serving different investor profiles. Fredericksburg and the Texas Hill Country represent the premier Texas vacation rental market — wine country tourism, wedding destination traffic, and outdoor recreation drive strong average daily rates with consistent year-round demand. Austin’s urban STR market is driven by SXSW, ACL Festival, University of Texas, and year-round entertainment tourism. South Padre Island serves the Gulf Coast beach rental market with strong spring break and summer demand.
Defy Mortgage offers DSCR financing for Texas short-term rental properties. STR income is calculated using AirDNA market rent estimates or an appraiser-supported rental analysis — not actual booking history. This means first-time STR investors can qualify based on projected market rents before the property has any booking history.
STR-specific guidelines:
- Up to 80% LTV on Texas STR purchases (market standard is 75%)
- First-time STR investors eligible
- AirDNA or appraisal-based income calculation
- LLC vesting available
Austin STR note: The City of Austin requires STR permits and limits non-owner-occupied STR operation in many zoning districts. Confirm STR permit eligibility before purchase for any Austin investment property targeting STR income.
Military Market DSCR Investing in Texas
Joint Base San Antonio (JBSA) is the largest military installation in the United States by active duty and civilian personnel — encompassing Lackland AFB, Fort Sam Houston, and Randolph AFB across the San Antonio metro. This scale creates one of the most stable and predictable rental markets in the country.
How do military rentals affect DSCR in Texas?
Military rental properties often produce higher and more stable DSCR ratios because rent is supported by Basic Allowance for Housing (BAH). In San Antonio, this can result in DSCR ratios of 1.15–1.35 at standard leverage — among the strongest ratios available in any Texas market.
Why San Antonio military market works for DSCR investors:
- BAH-backed rents — military tenants pay rent using federally-funded housing stipends that track or exceed local market rates
- Low vacancy — military PCS cycles create continuous tenant turnover with minimal vacancy between tenants
- Recession resistance — military employment is federally guaranteed; JBSA rental demand does not correlate with broader Texas economic cycles
- Affordable acquisition prices — San Antonio SFR prices remain among the most affordable of any major Texas metro, producing strong DSCR ratios at standard loan amounts
San Antonio DSCR snapshot: Single-family rentals near JBSA typically trade at $190,000–$320,000 with market rents of $1,500–$2,100/month — producing DSCR ratios of 1.10–1.35 on standard 80% LTV financing.
Worked Example — Texas SFR DSCR Calculation
This DSCR loan example shows how to calculate DSCR step-by-step for a Texas rental property, including the property tax factor unique to this market.
Property: Single-family rental in Plano (Dallas suburb), TX
Purchase price: $400,000
Loan amount (80% LTV): $320,000
Interest rate: 6.000% on 30-year fixed
Monthly P&I: $1,919
Property taxes: $700/month (2.1% effective rate — Collin County)
Insurance: $160/month
PITIA total: $2,779/month
Market rent (from appraisal): $3,200/month
DSCR = $3,200 ÷ $2,779 = 1.15
Result: This property qualifies comfortably. Note the property tax figure: at Texas’s effective rates, the same property in a lower-tax state at $200/month in taxes would have a PITIA of $2,279 and a DSCR of 1.40. Texas property taxes meaningfully compress DSCR compared to most other markets — the same dynamic as Florida insurance.
Use our DSCR loan calculator to model different rent, tax rate, and loan amount scenarios for your Texas deal.
LLC Vesting for Texas Investors
DSCR loans are one of the few mortgage products that allow the loan to close in an LLC. Many DSCR lenders (including Defy Mortgage) allow LLC vesting on Texas transactions — separating personal and investment liability and keeping entity-level accounting clean. For Texas investors managing multiple properties across Houston, DFW, or Austin, LLC structure provides both liability protection and cleaner entity-level bookkeeping.
Why Texas DSCR Loans Are Unique
Texas presents a distinct DSCR lending environment compared to most other states:
- No state income tax — net return advantage over comparable markets; rental income is not subject to state-level taxation
- High property taxes — 1.6%–2.5% effective rates compress DSCR relative to lower-tax states; lender threshold flexibility matters more here than almost anywhere
- Four major metro markets — DFW, Houston, Austin, and San Antonio each have distinct investor dynamics; DSCR ratios, price points, and STR eligibility vary significantly across submarkets
- Military scale — JBSA San Antonio is the largest military installation in the US, creating a uniquely stable BAH-backed rental market
- Foreign national depth — Houston’s international investor concentration is among the highest of any U.S. city, making foreign national DSCR program availability a key lender differentiator in Texas
These factors make Texas DSCR loan requirements — and the right lender choice — meaningfully different from financing in lower-tax, single-market states. For full Texas DSCR loan requirements for investors, see our DSCR loan requirements guide.
Pros and Cons of DSCR Loans in Texas
Pros:
- No personal income documentation required
- Scale a Texas rental portfolio without DTI limits
- LLC vesting available
- STR eligible — Hill Country, Austin, and South Padre among strong Texas vacation rental markets
- Military market eligible — JBSA San Antonio is the largest military installation in the US
- Loan amounts up to $6M — scales with Houston and Dallas luxury markets
- DSCR down to 0.75 — covers intown Austin and appreciation plays
- No state income tax reinforces net return advantage
Cons:
- Higher rates than conventional owner-occupied loans
- Investment properties only
- Larger down payment typically required (15–20%+)
- Texas property taxes compress DSCR — always use actual county tax rates before modeling
- Austin STR restrictions limit pure-investment STR strategy within city limits
- Prepayment penalties common — factor into exit strategy
Key takeaway: DSCR loans allow Texas investors to scale without income limits by qualifying solely on property cash flow — making them the preferred financing tool for portfolio builders across major Texas markets such as Dallas-Fort Worth, Houston, Austin, and San Antonio.
Common Mistakes Texas DSCR Borrowers Make
1. Using national average property taxes
Texas property taxes are 2–3x the national average. Always pull the actual county and municipal tax rate before calculating DSCR. Using a national average will overstate your DSCR and produce a surprise at underwriting. Collin, Tarrant, Travis, and Harris counties all have different effective rates.
2. Targeting Austin city limits for STR DSCR strategies
Austin’s STR permitting system restricts non-owner-occupied short-term rental operation in many districts. Investors targeting STR income for DSCR qualification should confirm permit eligibility or consider Hill Country and Lake Travis markets instead.
3. Overlooking San Antonio
Investors focused on Austin and Dallas often skip San Antonio. JBSA creates one of the most recession-resistant rental markets in Texas — affordable acquisition prices, BAH-backed rents, and consistent PCS-driven demand produce DSCR ratios that outperform most other Texas submarkets.
4. Miscalculating Houston flood zone insurance
Parts of Houston — particularly within the 100-year and 500-year floodplains — require FEMA flood insurance in addition to homeowners coverage. Confirm flood zone status on any Houston property; coastal and bayou-adjacent properties can add $150–$350/month to PITIA.
5. Not using LLC structure
Texas’s appreciation trajectory in DFW, Austin, and Houston has created significant equity positions for early investors. Closing DSCR loans in an LLC protects that equity from personal liability exposure.
When a Texas DSCR Loan May Not Be the Right Fit
DSCR loans are not ideal if:
- You are purchasing a primary residence — DSCR loans are investment properties only
- You qualify conventionally and want the lowest possible rate — conventional financing is cheaper for strong W-2 borrowers
- You are targeting Austin city limits for STR and relying on STR income for qualification — confirm zoning and permitting first
Texas DSCR vs. Conventional Loans
| Feature | DSCR Loan (Texas) | Conventional Loan |
|---|---|---|
| Income required | No | Yes (W-2/tax returns) |
| Qualification basis | Rental income (DSCR) | Personal income (DTI) |
| Property limit | None | Typically 10 max |
| LLC vesting | Available | Not available |
| Best for | Investors | Owner-occupants |
| Rate premium | ~0.5–1.5% above conventional | Lowest available |
| Texas tax impact | PITIA-based — taxes matter | DTI-based — taxes matter less |
Why Choose Defy Mortgage for Texas DSCR Loans
As a direct Non-QM lender actively originating DSCR loans across Texas, Defy Mortgage offers in-house underwriting and funding with no middleman and no broker delays.
- Direct Non-QM lender — in-house underwriting and funding, one of the few Texas DSCR lenders that is also a direct lender
- 0.75 minimum DSCR — one of the more flexible thresholds available, covering Texas’s property tax compression environment and intown Austin appreciation plays
- 85% LTV on SFR purchase — higher leverage than most Texas DSCR lenders
- Military market experience — San Antonio JBSA investor experience, BAH lease structures understood
- STR expertise — AirDNA-based income calculation accepted, first-time STR investors eligible, Hill Country and Austin vacation rental experience
- 14–21 day closings — driven by appraisal and title, not income verification
- Up to $6M loan amounts — scales with Houston and Dallas luxury and multifamily markets
How Defy’s Texas DSCR Program Compares
| Requirement | Market Standard | Defy Mortgage |
|---|---|---|
| Minimum DSCR | 1.0 | 0.75 |
| Min credit score | 640–680 | 640 |
| Max LTV (SFR purchase) | 80% | 85% |
| STR eligible | Some lenders | Yes, up to 80% LTV |
| First-time STR investor | Rarely | Yes |
| LLC vesting | Not standard | Available |
| Max loan amount | $3M–$4M | Up to $6M |
| Interest-only | Some lenders | Available |
| Close time | 30–45 days | 14–21 days |
| Current rate (740 FICO, 75% LTV) | Market varies | 6.000% |
Frequently Asked Questions
What DSCR is required for a DSCR loan in Texas?
Most Texas DSCR lenders require a minimum DSCR of 1.0. Some lenders (including Defy Mortgage) offer programs down to 0.75. Given Texas’s higher-than-average property taxes, which compress DSCR relative to lower-tax states, the 0.75 minimum is particularly relevant for Texas investors — especially in Austin and intown Dallas where appreciation is strong but current cash flow is tighter.
How do Texas property taxes affect DSCR loan qualification?
Texas has among the highest property tax rates in the United States — typically 1.6%–2.5% of assessed value annually. Since taxes are included in PITIA (the denominator of the DSCR calculation), higher tax bills directly reduce your DSCR ratio. Always use the actual county tax rate, not a national average, when calculating your Texas DSCR. On a $400,000 property, the difference between $200/month and $700/month in taxes reduces DSCR by approximately 0.20.
Can I use projected rent for a Texas DSCR loan?
Yes. For vacant properties or first-time STR conversions, lenders use appraiser-supported market rent projections. AirDNA data is accepted for STR properties. You can qualify for a Texas DSCR loan before a tenant is in place.
Are DSCR loans available for military market properties in Texas?
Yes. DSCR loans are well-suited for investment properties near Joint Base San Antonio (JBSA). Military market properties typically produce strong DSCR ratios due to BAH-backed rents and affordable acquisition prices. San Antonio offers some of the best DSCR ratios of any major Texas market.
Can I use a DSCR loan for a Texas vacation rental?
Yes. DSCR financing is available for Texas short-term rental properties using AirDNA or appraisal-based market rent calculations. First-time STR investors are eligible. LTV goes up to 80% on STR properties. Confirm local STR permitting before purchase — particularly in Austin.
Can I close a Texas DSCR loan in an LLC?
Yes. Many DSCR lenders (including Defy Mortgage) allow LLC vesting on Texas DSCR transactions.
What are current DSCR loan rates in Texas?
As of March 2026, Defy is pricing at 6.000% for a 740 FICO borrower at 75% LTV with DSCR of 1.0+. See our Non-QM mortgage rates page for a full rate breakdown.
Are DSCR loans available in Texas?
Yes. Defy Mortgage is actively closing DSCR loans across major Texas markets including Dallas-Fort Worth, Houston, Austin, San Antonio, and surrounding areas.
For a full comparison of DSCR requirements, see DSCR loan requirements. To calculate your property’s DSCR with Texas-accurate property tax figures, use our DSCR loan calculator. For a full comparison of Non-QM qualification methods, see our Non-QM loan requirements guide.
Ready to Finance Your Texas Investment Property?
Most Texas investors are surprised how much they qualify for when using rental income instead of personal income — and how significantly actual county property tax rates affect the math.
Get a Texas DSCR loan quote in 5 minutes — no personal income required, fast closings in as little as 2–3 weeks. Schedule your consultation with Defy Mortgage.
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