DSCR Loans Texas

1–4 unit residential properties, $1M max loan amount, close in 14 days.


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DSCR Loans in Texas

Debt Service Coverage Ratio loans qualify based on rental income vs. debt obligations. Perfect for landlords and investors building rental portfolios in Texas.

  • 660+ mid credit score required
  • 1–4 unit residential properties only
  • $1M max loan amount
  • Close in 14 days
  • No rural properties

Airbnb Rental Loans in Texas

Designed for short-term rental investors. Qualification is based on credit and property value, not DSCR or projected Airbnb rents.

  • 650+ mid credit score required
  • 75% loan-to-value
  • 1–4 unit residential properties only
  • $1M max loan amount
  • Close in 14 days
  • No rural properties

Texas Loan Program Comparison

ProgramCredit ScoreProperty TypeMax LoanLTVTimelineNotes
DSCR Loans Texas660+1–4 unit residential$1MBased on DSCR14 daysNo rural properties
Airbnb Rental Loans Texas650+1–4 unit residential$1M75%14 daysNo DSCR, no Airbnb rents

Helpful DSCR Resources

Frequently Asked Questions – Texas

1. What properties qualify for DSCR loans in Texas?

Only 1–4 unit residential properties, $1M max loan amount, no rural properties.

2. Do DSCR loans in Texas require tax returns?

No. Qualification is based on rental income coverage, not personal income or tax returns.

3. How fast can DSCR loans close in Texas?

Typically within 14 days.

4. What is the minimum credit score for DSCR loans in Texas?

660+ mid credit score is required.

5. Do Airbnb rental loans in Texas use DSCR or Airbnb rents?

No. Airbnb rental loans qualify based on credit and property value only.

6. What is the minimum credit score for Airbnb rental loans in Texas?

650+ mid credit score is required.

7. What is the maximum LTV for Airbnb rental loans in Texas?

75% loan-to-value.

8. Are DSCR or Airbnb loans available in rural areas of Texas?

No. These programs do not lend in rural areas.

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