DSCR Loans: Qualify on the Rent & Your FICO, Not Your Tax Returns
Buy or refinance rental property in Taylor, Austin and across Texas based on the property's cash flow. No tax returns. No W-2s. No employment verification.
Run my DSCR scenario
Tell us about the deal. We will send the free playbook and follow up with a custom quote within the hour.
Built for growing a rental portfolio
- No income verification required
- Qualify on rental cash flow (rent ÷ PITIA)
- DSCR as low as no ratio
- 1-4 unit residential properties
- Purchase, rate/term and cash-out refinance
- Interest-only options available
- Close in an LLC, corporation or trust
- Short-term rental income accepted
- Higher of market rent or current rents
- Qualify off the higher credit score with multiple borrowers
- No sourcing of large deposits for assets
- First-time home buyers welcome
DSCR calculator
See how lenders size up a rental in 10 seconds.
The rent covers the full payment.
DSCR = monthly rent ÷ PITIA (principal, interest, taxes, insurance and HOA). Estimate only.
From deal to closing
Send the deal
Address, price or value, and the rent. That is all we need to run a first look.
Get your numbers
We size the loan to the rent and show you pricing at different down payments and ratios.
Close and repeat
Close in your name or your LLC, then use cash-out on your rentals to fund the next one.
DSCR loan FAQ
What is a DSCR loan?
A Debt Service Coverage Ratio loan qualifies an investment property on the rent it earns instead of your personal income. Divide the monthly rent by the monthly payment (principal, interest, taxes, insurance and HOA). A result of 1.00 means the rent covers the payment.
Do I need tax returns or W-2s?
No. DSCR loans require no tax returns, no W-2s and no employment verification. We look at the property, your credit and your reserves.
What if the rent does not fully cover the payment?
Programs are available with a DSCR below 1.00, down to no-ratio options. Pricing and down payment requirements change as the ratio goes down, so we will show you the trade-offs.
Can I close in an LLC?
Yes. You can close in your name, an LLC, a corporation or a trust.
Do Airbnb and short-term rentals qualify?
Yes. Short-term rental income is accepted. We can also use the higher of market rent or the current lease.
Can a first-time buyer use a DSCR loan?
Yes, first-time home buyers are welcome on DSCR loans for investment property. DSCR loans are for rentals, not the home you live in.
Can I cash out equity from my rentals?
Yes. DSCR loans work for purchases, rate/term refinances and cash-out refinances, so you can pull equity from one rental to buy the next.
Program guidelines as of October 2026 and subject to change without notice. All loans subject to credit approval, underwriting and property eligibility. Not all applicants will qualify. This is not a commitment to lend. DSCR loans are business-purpose loans for non-owner-occupied investment property.
Have an investor deal?
Run your DSCR scenario and get the free DSCR Investor Playbook. Brad or Buddy will tell you within the hour if the deal pencils.
Call or text either of us directly:
Brad 512-269-5278 · Buddy 512-595-6220
Ready to apply? Start your application