Texas DSCR Loans
DSCR loans in Texas by Easy Street Capital: Rates from 5.75%, up to 80% LTV for purchases/refis, 75% cash-out, no min DSCR. Lending statewide, including Austin and Dallas.
EasyRent is our tailored and industry-leading DSCR Loan solution for Texas real estate investors. Whether you are acquiring property to expand your portfolio or cashing out your capital in a refinance, we have a loan for you. Our DSCR Lending Program has solutions for anyone – from first-time investors to industry veterans looking to rapidly scale their portfolios. We are confident we can find you a great Texas DSCR loan in a quick, efficient and easy process. Click the button below and get started today!
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What is a DSCR Loan?
A DSCR Loan is a mortgage loan for a residential income-producing property. It is primarily based on the “Debt Service Coverage Ratio” or the cash flow of the property, rather than the borrower’s income. A traditional mortgage loan will require income verification, tax returns and a “Debt-to-Income” (DTI) ratio. DSCR Loans require none of these! Perfect for real estate investors ready to scale (no more W2!) or are looking leave behind the hassle, paperwork and headaches of conventional financing, DSCR Loans are quickly becoming the go-to loan option for real estate investors.
For a comprehensive definition, “DSCR Loans are mortgage loans secured by residential real estate turnkey properties strictly used for a business purpose and underwritten primarily based on the property.”
DSCR Loan Definition Breakdown
- Mortgage Loans = form of loan that is secured by collateral, collateral = real estate
- Residential Real Estate = properties used for people to live in vs. commercial, which is used to operate businesses (offices, retail, industrial, hotel, self-storage, etc.). In real estate finance, residential also typically refers to “1-4 unit” properties, anything more would be considered “multifamily”
- Business Purpose = DSCR loans strictly do not allow the owner of the property to live in the property, it must be used for “business” or investment purposes. Includes use of “cash-out proceeds”
- Underwritten = How lender evaluates (and then prices) the risk of the loan
- Primarily Based on Property = Mostly based on property, but also look at sponsor
- Turnkey = property doesn’t require any renovation, “turn the key and go”
Looking to get a deeper understanding of all things DSCR? Check out our DSCR Loans Guide below!
Texas Recent DSCR Fundings
Real Investments. Real Results.
Real estate investors in the Lone Star State are turning to DSCR Loans as a strategic tool to expand and manage their investment property portfolios. DSCR loans allow investors to secure financing based on the property's ability to generate income (rather than an investor's individual credit profile). In a market like Texas, where real estate prices have shown steady growth and rental demand remains steady, DSCR loans offer investors a flexible and effective means to acquire new properties, improve existing ones, or refinance their assets. Easy Street Capital is proud to be a leading provider of DSCR loans for Texas real estate investors looking to build rental portfolios! Check out our most recently funded DSCR loans in the Lone Star State below:
Single-Family Residence
Cedar Hill, TX
$310,000 Texas DSCR Rental Loan for a Rate-Term Refinance of a rental property in Cedar Hill. This investment home features extensive recent renovations, with approximately $91,000 invested in high-impact upgrades including the kitchen, bathrooms, flooring, windows, lighting, fencing, and paint. Located in a suburban setting with quick access to a major highway, the property offers strong connectivity to downtown and key employment centers across the Dallas metropolitan area.
PUD
San Antonio, TX
$172,000 Texas DSCR Rental Loan for an Acquisition of a rental property in San Antonio. This well-located single-family home in the Villages of Westcreek offers three bedrooms and two-and-a-half bathrooms in a desirable planned community on San Antonio’s west side. Just minutes from SeaWorld, West Creek Sports Park, grocery stores, and major highways I-10 and I-410, the property is ideally positioned for short-term rental demand and strong guest accessibility.
Single-Family Residence
Austin, TX
$454,250 Texas DSCR Rental Loan for a Rate-Term Refinance of a rental property in Austin. This newly renovated property features a covered porch, open patio, modern wood and tile flooring, and a new roof. Located near Garrison Park and Barton Creek Greenbelt, it offers easy access to trails, a public pool, and major roadways like Mopac Expressway and Highway 71.
Single-Family Residence
Pflugerville, TX
$322,400 Texas DSCR Rental Loan for an Acquisition of a rental property in Pflugerville. This modern home features upgrades including a newer HVAC system, water heater, roof, windows, kitchen, bathrooms, and high-end finishes and appliances. Conveniently situated just three miles from Interstate I-35 and Texas State Highway 130 for easy commuting, it has strong potential as a short-term rental investment.
Single-Family Residence
Austin, TX
$959,400 Texas DSCR Rental Loan for a Cash-Out Refinance of a rental property in Austin. This freshly built two-story home features four spacious bedrooms, three full bathrooms, and a handy half bath, perfect for gatherings or a big family. The versatile downstairs studio, study, and rec room—each thoughtfully furnished as extra bedrooms—make it an ideal, cozy spot as a short-term rental.
PUD
Houston, TX
$130,000 Texas DSCR Rental Loan for a Cash-Out Refinance of a rental property in Houston. The property offers easy access to Interstate 45, ensuring exceptional convenience. Tenants benefit from a dynamic location with abundant employment, dining, retail, entertainment, and recreational opportunities nearby.
Single-Family Residence
Dallas, TX
$545,500 Texas DSCR Rental Loan for a Rate-Term Refinance of a rental property in Dallas. This renovated East Dallas home features modern kitchen appliances, sleek countertops, and stylish bathrooms with contemporary tile and fixtures. Conveniently located just two miles from both downtown and SMU, it offers easy access to the city’s top destinations.
Single-Family Residence
Longview, TX
$141,400 Texas DSCR Rental Loan for a Cash-Out Refinance of a rental property in Longview. Located just five miles from downtown Longview, this property offers easy access to vibrant dining, shopping, and entertainment. Its proximity to I-20 ensures a convenient commute to Dallas and Shreveport.
Single-Family Residence
Austin, TX
$1,999,999 Texas DSCR Rental Loan for a Cash-Out Refinance of a rental property in Austin. This stunning short-term rental features a new pickleball court, a covered fire pit, and a converted recreational area. Located just a mile from Lake Austin, it offers access to boating, fishing, and beautiful waterfront views.
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