Texas DSCR loan broker
Rental loans that look at the rent, not your paycheck.
We arrange debt service coverage ratio financing for investors buying and refinancing rentals from El Paso to the Gulf. We shop wholesale lenders and tell you straight whether your Texas deal pencils.
- Business-purpose loans on non-owner-occupied rentals
- Individual or LLC vesting with most programs
- Purchase, cash-out, and rate-term refinance
Check a deal
Tell us the basics. A Loan Daddy loan specialist will follow up.
What is a DSCR loan in Texas?
A Texas DSCR loan is business-purpose financing for non-owner-occupied investment property, evaluated primarily by comparing rental income with the property’s debt payments. Loan Daddy LLC is a mortgage broker, not a lender, and helps investors compare wholesale lender programs. Eligibility depends on the property, borrower profile, and lender guidelines.
Why investors use us
Why work with a Texas DSCR mortgage broker?
The property qualifies, not your tax return
DSCR programs size the loan on rent versus the full payment. Self-employed, heavily written-off, or already holding a stack of mortgages? The rental can still carry the deal.
We shop it so you do not have to
We are a broker. We take one clean scenario to multiple wholesale lenders and bring back the options that actually fit — instead of you filling out five applications.
We know what Texas does to the math
High property tax, appraisal districts that reprice after a sale, hail in the north, windstorm on the coast. We put those in the payment before a lender ever sees the file.
How it works
How does a Texas DSCR loan move from scenario to closing?
No mystery process. Here is what happens after you send us a deal.
Send the scenario
Address, rent, price or value, and what you are trying to do. Five minutes, no credit pull to start.
We run the real payment
Taxes from the parcel, an insurance estimate, HOA, and the ratio. If it does not pencil, we say so.
We shop wholesale lenders
We match the deal to programs whose guidelines fit, then lay out the trade-offs side by side.
You pick, we steer to closing
The lender underwrites and funds. We stay in the middle and keep appraisal, title, and insurance moving.
Loan programs we arrange
Which loan programs fit Texas rental investors?
Core program
DSCR Rental Loans
A DSCR (debt service coverage ratio) loan is a business-purpose mortgage for non-owner-occupied rental property.
Read more →Buy
Rental Purchase Loans
A DSCR purchase loan finances a non-owner-occupied rental using the property’s expected rent compared with its total monthly payment.
Read more →Refinance
Cash-Out Refinance
A DSCR cash-out refinance replaces the existing loan on a rental with a larger one and pays you the difference.
Read more →Short-term rental
Short-Term Rental Loans
Some DSCR lenders qualify short-term rentals using 12 months of booking history, others use third-party market-data estimates, and some only use long-term market rent.
Read more →Scale
Portfolio & Blanket Loans
A blanket or portfolio DSCR loan covers multiple rental properties under a single loan, underwritten on the combined rent and payment of the group.
Read more →Small multifamily
2-4 Unit Loans
A 2-4 unit DSCR loan qualifies a small multifamily rental on the combined rent of all units versus the property’s total payment.
Read more →Texas market snapshot
How do Texas markets affect a rental’s DSCR?
The same rent can produce a very different DSCR in Houston than in El Paso once local taxes, insurance, and HOA dues land in the payment. Here is what we watch first in each.
Houston
Flood zones
Check the FEMA flood map and the property’s flood history before you write an offer.
Dallas-Fort Worth
Hail and roof age
A newer roof can help with insurance availability and premium.
San Antonio
STR permits
Short-term rental income only helps if the property can legally operate as one.
Austin
Price vs. rent
Run the calculator with a conservative rent before you fall in love with a property.
Qualitative observations for general education only — not a DSCR loan rate, term, or offer. See all Texas market pages, including El Paso and our Texas taxes & insurance guide.
Cities we serve
DSCR loans in Texas’s biggest rental cities
Local notes on rent, taxes, insurance and short-term rental rules for each city.
Houston DSCR loans
Houston rewards investors who read the details: deed restrictions instead of zoning, special district taxes that change street by street, and flood exposure that belongs in the payment from day one.
Read more →Dallas DSCR loans
Dallas investors buy in a metro that keeps adding jobs and rooftops, where the property tax bill and HOA dues often decide whether a rental clears.
Read more →San Antonio DSCR loans
San Antonio is a steady, value-oriented rental market with deep military, medical and tourism employment.
Read more →Austin DSCR loans
Austin prices sit above most of Texas, so the gap between rent and payment is where Austin deals live or die.
Read more →Fort Worth DSCR loans
Fort Worth has grown into one of the largest cities in Texas while keeping a value-oriented rental market.
Read more →Straight answers
Questions Texas investors ask us first
What is a DSCR loan?
A DSCR (debt service coverage ratio) loan is a business-purpose mortgage on non-owner-occupied rental property. Lenders qualify it primarily on whether the property’s rent covers its full monthly payment — principal, interest, taxes, insurance, and HOA dues — rather than on your personal income.
How is DSCR calculated?
Divide the property’s monthly rent by its total monthly payment (PITIA). Rent of $2,400 against a $2,000 payment is a 1.20 DSCR. Our calculator does the math with the rate you enter; lenders run their own figures in underwriting.
What DSCR do I need to qualify?
It depends on the lender. Many programs look for 1.0 or higher, some want more cushion, and some consider lower ratios with compensating strengths such as more equity or reserves. We match your deal to lenders whose guidelines fit it.
Do I need tax returns or pay stubs?
Typically not for income. DSCR programs focus on the property’s cash flow. Expect lenders to review credit, bank statements for down payment and reserves, and entity documents if you close in an LLC.
Can I live in the property?
No. We arrange business-purpose loans for non-owner-occupied investment property only. If you or a family member will live in the home, including one unit of a multifamily, it is not eligible.
Got a Texas rental under contract, or one worth refinancing?
Send us the address, the rent, and what you are trying to do. We will tell you plainly whether it pencils as a DSCR deal and which wholesale lenders are worth a look.
Program Structure Comparison & Investor Brief
Reviewed by Loan Daddy LLC editorial team · Business-purpose investment property brokerage (NMLS #2827624).
| Guideline Dimension | DSCR Rental Loan (Business-Purpose) | Private Money / Bridge (Business-Purpose) | Conventional Investment Mortgage |
|---|---|---|---|
| Primary Qualification | Property rental cash flow (Gross Rent ÷ PITIA) | Purchase basis, rehab budget (LTC), ARV, and exit plan | Personal debt-to-income ratio (DTI) and verified employment |
| Tax Returns / W-2 Required | Not required on standard DSCR shelves | Not required on asset-based bridge shelves | 2 years of personal & business tax returns and W-2s |
| Entity / LLC Vesting | Supported (LLC, LP, Corporation, or Individual) | Supported (standard for business-purpose bridge) | Generally restricted to individual borrower vesting |
| Property Occupancy | Strictly non-owner-occupied investment property | Strictly non-owner-occupied investment property | Investment property (subject to financed-property count caps) |
| Loan Daddy LLC Role | Wholesale mortgage broker comparing multiple DSCR shelves | Wholesale mortgage broker comparing private & bridge capital | Scenario comparison benchmark |