DSCR loans that qualify the property, not your paycheck.
No tax returns. No W-2s. No personal debt-to-income cap. If the rent covers the payment, the deal qualifies — and you can close in your LLC.
Does your deal qualify? Find out right now.
Enter the property's numbers. We'll calculate your debt service coverage ratio live — the exact figure a DSCR underwriter looks at first.
Estimates only, based on a 30-year fixed amortization. Texas property tax rates commonly run 1.8%–2.5% depending on county and exemptions. Not a rate quote or lending commitment.
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Free · No credit pull · Appraisal reimbursed for our first 100 clients
Conventional financing has a ceiling. DSCR doesn't.
DSCR vs. conventional investor loans
Conventional often prices lower if you can document income and stay under the limits. Past that point, DSCR is the only road that keeps going.
Price My Deal Both Ways| DSCR Loan | Conventional Investor | |
|---|---|---|
| Qualifies on | Property rental income | Your personal income |
| Tax returns required | No | Yes — two years |
| Personal DTI counted | No | Yes |
| Financed property cap | Generally none | Typically 10 |
| Close in an LLC | Commonly allowed | Generally not |
| Typical down payment | 20–25% | 15–25% |
| Short-term rental income | Often counted | Rarely counted |
Property types that qualify
Serving investors across Austin, Round Rock, Georgetown, Cedar Park, Leander, Kyle, Buda, Pflugerville, Hutto, Killeen, Temple and San Antonio — purchases, rate-and-term refinances and cash-out refinances alike.
Deal to closing in four moves
Investors don't need hand-holding. They need accurate numbers early enough to act on them.
Start Step OneThat's genuinely all we need to run your DSCR and give you a real read on terms — usually same day.
As a broker we price your file across wholesale DSCR lenders, compare prepay structures, and flag when conventional would actually serve you better.
The appraiser's market rent analysis confirms the income your ratio is built on. Short-term rentals get underwritten on the right data, not long-term comps.
Entity docs handled up front so vesting never becomes the thing that delays your closing.
How the debt service coverage ratio is calculated
Your DSCR is the property's gross monthly rent divided by its total monthly payment — principal, interest, taxes, insurance and any HOA dues. A property renting for $2,400 with a $2,000 total payment carries a DSCR of 1.2, meaning it produces 20% more income than the debt requires. Most DSCR lenders price their best terms at 1.25 and above, still approve comfortably at 1.0, and some will go below 1.0 in exchange for a larger down payment.
DSCR loan terms investors should expect
Down payments generally start around 20-25%, credit score minimums commonly sit between 620 and 680, and rates run above comparable owner-occupied financing because investment property carries more risk for the lender. Many DSCR programs include a prepayment penalty for the first three to five years, so if you plan to sell or refinance quickly, ask about the prepay structure before you lock.
Closing in an LLC and scaling your portfolio
Because DSCR loans are underwritten on the property rather than your personal debt-to-income ratio, most lenders allow you to close in the name of an LLC and place no hard cap on the number of DSCR loans you hold. That combination is why investors who hit Fannie Mae's financed-property limit move to DSCR financing to keep acquiring — each new deal is judged on its own numbers.
Buying a property that needs work first
If the property isn't rentable yet, the standard play is to acquire it with a fix and flip or hard money loan, renovate, lease it, then refinance into a DSCR loan on the stabilized rent. That's the refinance step of the BRRRR strategy, and it's how portfolios compound without fresh outside capital. We structure the front-end loan with that exit already in view.
DSCR loan FAQ
Send us one address. We'll tell you if it flies.
Real DSCR math, real terms from our lender panel, and an honest answer on whether conventional would serve you better — before you're under contract.