New Purchase
Designed for long-term rentals with 1 to 4 units and small multifamily income producing properties
- Up to 80% LTV
- DSCR typically 1.00 or higher
- Competitive rates
- Fast approvals and underwriting
- Loan Amounts Up to $2M+ Flexible DSCR Options
- Property Types Single to 8+ Units SFR, Condo, Multi-Family, STR
- Investor Focused 20+ Lenders Competitive Programs
Trusted DSCR Financing for Real Estate Investors
Texas DSCR Lending
Texas DSCR Financing for Real Estate Investors & Rentals
Built for real estate investors and rental property growth
As a mortgage broker, we help Texas real estate investors compare DSCR loan options from multiple lenders, structure stronger financing terms, and move through the approval process with confidence.
We work with 20+ DSCR lenders to offer competitive rates, flexible guidelines, and financing solutions for rental purchases, refinances, cash-out scenarios, and portfolio growth across Texas. That means more options, better leverage, and faster closings for investors.
DSCR Loan Highlights
- Loan amounts up to $3,000,000
- Cash-out options up to $1,000,000
- No tax returns, W-2s, or pay stubs
- Qualification based on rental income
- LLC and entity ownership allowed
Explore DSCR Loan Options
DSCR loan programs available for real estate investors across Texas
DSCR Refinance
Refinance your Texas rental property to reduce payments or easily access equity for future investments
- Cash-out up to 80% LTV
- No tax return review
- Use funds for down payments
- No personal income
Multifamily DSCR
Flexible DSCR loan programs for multi-family properties: low rates, LTVs, and favorable terms
- 2-Unit
- 3-Unit and 4-Unit
- No tax return review
- Portfolio investor friendly
- Entity and portfolio
DSCR for LLCs
LLC-owned investment properties, qualified by rental cash flow strength and performance
- LLC or corporation
- Cross-collateral options available
- Portfolio loans available
- Entity-friendly underwriting
Renovation & Rehab
DSCR financing for rental property upgrades, rehab projects and renovations
- Great for value add investors
- Light to full renovation projects
- Costs rolled into the loan
- Investor-friendly guidelines
Jumbo DSCR Loans
High-balance financing for larger rentals and experienced portfolio investors
- $2M+ loan amounts
- Competitive investor terms
- Minimum FICO above 680
- Large rental property portfolios
Texas Investor Financing
DSCR Loans for Rental Properties in Texas
Access competitive Texas DSCR financing for rental property purchases and refinances, based on property cash flow, not personal income.
Why investors choose DSCR loans: Close in LLC or Personal Name, DSCR Ratios as Low as 0.75, No tax returns or income docs, Long-Term & Short-Term Rentals, Cash-out up to 80% LTV, No DTI Requirements.
Loan Advantages
- Qualify Using Rental Income
- LLC or Business Entity
- Interest-Only Options
- Short- and Long-Term Rentals
- No DSCR Seasoning
Ideal Borrowers
- Rental property investors
- Short term rentals & Airbnb
- Self-employed investors
- BRRRR investors
- Buy-and-hold investors
Texas Rental Property Market Trends
Texas continues to offer strong opportunities for real estate investors, with steady rental demand across major metros like Austin, Dallas, Houston, San Antonio, and Fort Worth. Strong population growth, business expansion, and a diverse housing market continue to make Texas a natural fit for DSCR financing.
DSCR loans can be especially attractive in Texas because qualification is based primarily on the property's rental income rather than personal tax returns or W-2 income. That flexibility appeals to investors purchasing single-family rentals, expanding through LLCs, refinancing existing properties, or using cash-out proceeds to reinvest into additional opportunities.
From fast-growing suburban corridors to major urban rental markets, Texas offers a wide range of opportunities for real estate investors. Crestmark Lending helps investors explore DSCR loan options designed for purchase, refinance, cash-out, and portfolio growth across the state.
How DSCR Loans Work for Texas Real Estate Investors
At Crestmark Lending, our Texas DSCR loan programs are designed for investors who want to qualify based on property performance, not personal income. No tax returns, W-2s, or traditional DTI requirements.
We compare the property's rental income to the full monthly payment (PITIA) to calculate the Debt Service Coverage Ratio (DSCR). If the income supports the payment, the deal can qualify.
This streamlined approach helps investors move faster, scale their portfolios, and keep financing focused on the asset, not personal finances.
What credit score and DSCR ratio are required to qualify?
In Texas, most DSCR lenders require a minimum credit score of 660 and a DSCR ratio of 1.00 or higher, meaning the rental income covers the monthly payment. Some Texas lenders may allow lower DSCR ratios, including below 1.0, with stronger credit, higher reserves, or pricing adjustments.
How much do I need for a down payment on a DSCR loan?
Down payment requirements for DSCR loans typically range from 20% to 25%, depending on credit, property type, and the loan program. In Texas, stronger borrower profiles may qualify for higher leverage options. By working with a mortgage broker, you gain access to multiple DSCR lenders, helping you lock in more competitive terms for your investment.
Can I close a DSCR loan in an LLC?
Yes. In Texas, DSCR loans are designed specifically for real estate investors and can be closed in an LLC, corporation, or other business entity. This structure helps investors separate liability, maintain clean bookkeeping, and manage multiple rental properties under a single entity.
Smarter DSCR Financing for Investors
Qualify using rental income and access flexible loan options built for real estate investors.
Why Crestmark for DSCR Financing in Texas
Built exclusively for real estate investors, Crestmark Lending is a DSCR-focused mortgage broker serving Texas, delivering faster approvals, simplified underwriting, and access to dozens of national lenders for access to lower DSCR rates.
We understand how investors evaluate deals and structure financing. That's why we provide competitive pricing, flexible guidelines, and the speed needed to close with confidence, whether you're acquiring your next rental or scaling a growing portfolio.
Why Crestmark for DSCR Loans 
Crestmark Lending DSCR Loan Experts
Crestmark Lending is the home of Texas DSCR loan specialists. We deliver fast approvals and investor-focused DSCR financing from specialists who understand your goals.
Why Choose Crestmark Lending
- Ultra-Low Rates
- Flexible Underwriting
- Fast, Predictable Closings
- Simplified Documentation
- Guidance from DSCR Specialists
Your Texas DSCR Lending Team
Work with a team focused on investor financing, responsive communication, and a smoother DSCR loan experience from application to closing.
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Brett Dempsey
Branch Manager -
Glen Dicken
Loan Officer -
Jen Papaelias
Loan Officer -
Mark Dusza
Sr. Loan Officer -
Ryan Wood
Loan Officer
A Better Way to Secure DSCR Financing
Crestmark Lending works with over 20 DSCR lenders to help you find competitive pricing, flexible guidelines, and the right loan structure for your investment strategy.
Texas real estate investors trust Crestmark for fast closings and dependable, investor-focused service.
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Close on Time
Close in 21 days or less with a streamlined process from application to closing.
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Low Rates
We compare rates across 20+ wholesale lenders and DSCR loan programs.
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Flexible Underwriting
Flexible underwriting for unique properties and diverse investors, improving approval odds.
DSCR Loan Options by State
Crestmark Lending offers DSCR loan programs for real estate investors across Texas, Oklahoma, Colorado, and 35+ other states nationwide.
