DSCR Loans
Investor Cash-Flow Loans in Central Texas — Qualify Using Rental Income, Not Personal Income
Whether you’re investing in Austin, Cedar Park, Leander, Round Rock, or anywhere across Central Texas, DSCR loans offer a powerful way to qualify for investment properties without using tax returns, paystubs, or W-2s. Instead, approval is based on — wait for it — the cash flow of the property itself.
Yep… the rental income does the talking.This program is ideal for both new and experienced investors looking to scale their portfolio quickly without traditional lending roadblocks.
Why Work With Stephanie (aka BestAustinLender) for Your Conventional Loan?
💪 Local mortgage expert with 20+ years in the Austin and Central Texas market
🎯 Custom loan strategies based on your goals, timeline, and financial picture
🚫 No jargon, no fluff — just clear guidance and smart options
📝 Fast pre-approvals to help you stand out in this competitive market
📉 Access to OVER 100 lenders = better rates and more choices
📍 Hyper-local advice to help position your offer (and impress the listing agent)DSCR Home Loans in Texas
What Are DSCR Loans?
A DSCR loan (Debt Service Coverage Ratio loan) is a type of mortgage used for investment properties where the approval is based on the property’s ability to pay for itself. Instead of verifying your income, lenders look at:
- The market rent or lease amount
- The projected rental income
- The property’s expenses
If the rent covers the mortgage payment (or comes close), the deal works.
This makes DSCR loans an extremely popular option for investors buying in Austin, Round Rock, Leander, Hutto, Georgetown, Pflugerville, Lago Vista, and surrounding markets.Why a DSCR Loan Might Be Right for You
- You want to qualify using rental income, not personal income
- You’re building a rental portfolio and need fast, scalable financing
- You’re investing through an LLC or entity
- You earn 1099 income or self-employed income and want an easier approval path
- You want flexible underwriting, interest-only options, and unlimited property counts
- You want to close fast without the deep-dive paperwork of traditional loans
Frequently Asked Questions About DSCR Loans in Austin
DSCR loans are one of the most popular investment loan types in Texas — especially for buyers who want streamlined approval and flexible terms.
Quick Answers to Help You Decide:
☑️ No personal income or tax returns required
☑️ Property qualifies based on cash flow, not your DTI
☑️ LLCs and entities allowed
☑️ Interest-only and 30- or 40-year fixed options available
☑️ Unlimited number of financed properties allowed with many lendersWhat does DSCR mean?
What minimum credit score do I need?
How is rental income calculated for DSCR loans?
What DSCR ratio do I need to qualify?
What’s the minimum down payment for a DSCR loan?
Can I close in an LLC?
Do DSCR loans allow short-term rentals (Airbnb/VRBO)?
Are DSCR loans more expensive than conventional loans?
Provided for informational purposes only. This is not a commitment to lend, not all borrowers will qualify.
Not an offer or agreement. Information, rates, & programs are subject to change without prior notice. Not available in all states. Subject to credit & property approval. Not affiliated with any government agency. For licensing information go to: www.nmlsconsumeraccess.org
Edge Home Finance
4413 Spicewood Springs Rd #302 Austin TX 78759
Company NMLS: 891464
Branch NMLS# 2514483
Privacy Policy | Company Licenses | NMLS Consumer Access
REGULATOR:
TX Department of Savings and Mortgage Lending
2601 North Lamar, Suite 201
Austin, TX 78705
Phone: (512) 475-1350
Fax: 512-475-1360
DISCLAIMERS:
Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550.
The department maintains a recovery fund to make payments of a certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originator. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund. Please consult the department’s website at www.sml.texas.gov.
Copyright 2012 Stephanie Donnell