Access your equity
Pull cash from an eligible rental property to help fund another acquisition, improve an investment property, or build business reserves.
Explore cash-out options →DSCR loans · Nationwide investor financing
DSCR Loans in Austin, TX
A DSCR loan qualifies your rental on its rent, not your tax returns. Buy, refinance or pull cash out, with down payments from 20% to 25%, no cap on properties and LLC ownership allowed. Below-0.75 and no-ratio options are available.
Structure My Financing
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This short review is not a loan application, pre-approval, or commitment to lend. Privacy
DSCR loans at a glance
- Qualifies on
- Rent ÷ full payment (PITIA)
- Down payment
- From 20% to 25%
- Ratio
- 1.0+ preferred · below 0.75 and no-ratio available
- Properties owned
- No cap
- Ownership
- Personal name or LLC
- Prepayment
- 3 years is common · shorter available
Figures reflect programs Adam currently places. Your terms depend on the full file.
Your property. Your next move.
What’s your next move?
Buy another rental
Explore financing based primarily on the property’s rental income, with options for eligible long-term rentals, short-term rentals, and LLC ownership.
Structure my purchase →Refinance an existing property
Replace your current financing or explore a move from short-term debt into a longer-term rental loan.
Review my refinance →Flexible qualification
DSCR below 0.75? No-ratio options? Yes.
We offer DSCR loans with ratios below 0.75, including no-ratio options for eligible investment properties. If your rental income doesn’t cover the full qualifying payment, you may still have purchase, refinance, or cash-out financing options.
DSCR ratios below 0.75
A low ratio doesn’t automatically rule out financing. We offer programs below 0.75, with available loan amounts and pricing based on your equity, credit, property, and loan purpose.
No minimum DSCR
Our no-ratio options do not require a minimum rental-income-to-payment ratio. Credit, equity, property, and documentation requirements still apply.
Loan-to-value limits change by program. A lower ratio or no-ratio structure may require more equity to remain in the property.
Explore my low-ratio or no-ratio options →Rental-property cash-out refinancing
How much equity can you access?
That depends on your property’s value, current mortgage balance, and the financing available for your scenario.
Cash to you
Proceeds after the existing loan, transaction costs, and any applicable prepayment charge.
Your new payment
What the financing will cost each month.
Your exit options
What happens if you sell or refinance sooner than expected.
More flexibility in how you qualify
Financing built around your investment property.
Property-focused qualification
DSCR financing uses the rental property’s income as the primary qualifying measure instead of your personal tax-return income.
LLCs & rental strategies
Options for eligible LLC ownership, long-term rentals, and short-term rentals. Tell me how you hold the property and how you plan to rent it.
Across the country
Work directly with Adam on your investment-property financing. Availability depends on the property state and program.
Explore more investment-property financing → · Compare home-equity options →
Terms that fit your plans
A better rate—or more flexibility?
Prepayment terms are an important part of DSCR pricing. A longer penalty period generally offers better pricing; a shorter period gives you more flexibility to sell or refinance.
A three-year prepayment period is often a good starting point for balancing the two. If you expect to exit sooner, we’ll compare shorter or no-penalty options where available. If you’re holding longer, a five-year option may be worth considering.
You’ll know the actual penalty structure before choosing your loan. The penalty window is separate from the mortgage term; your loan terms determine the charge and which payoffs trigger it.
Direct answers
Questions investors ask.
What is a DSCR loan?
A DSCR loan is investment-property financing that uses the property’s qualifying rental income as the primary income measure instead of personal tax-return income. DSCR stands for debt service coverage ratio and compares qualifying rent with the housing payment used by the lender.
Can I get a DSCR loan with a ratio below 0.75?
Yes. We offer programs that allow DSCR ratios below 0.75. Your available loan amount and terms depend on factors including equity, credit, property type, and loan purpose.
Can I get a DSCR loan with no minimum ratio?
Yes. We offer no-ratio DSCR programs that do not require a minimum rental-income-to-payment ratio. These programs still have credit, equity, property, and documentation requirements.
Can I get cash out with a low-ratio or no-ratio DSCR loan?
Yes, cash-out options are available for eligible scenarios. Loan-to-value limits change by program, so a lower ratio or no-ratio structure may require more equity to remain in the property.
Do you offer DSCR loans outside Texas?
Yes. We offer DSCR financing for investors across the country, from our base in Austin, Texas. Availability and terms depend on the property state and selected program.
How do prepayment penalties affect DSCR loan pricing?
A longer prepayment penalty period generally offers better pricing, while a shorter period gives you more flexibility to sell or refinance. A three-year period is often a good starting point for balancing the two. Available choices and the actual penalty calculation depend on the program and property state.
Can I use a DSCR loan for an LLC or short-term rental?
Yes, eligible LLC ownership and short-term rental properties can be considered. Entity requirements, personal guaranties, and the accepted rental-income method depend on the program. DSCR financing is for investment property, not a primary residence.
Want to check rent coverage? Use the DSCR calculator. Buying elsewhere in Texas or investing from out of state? See Texas DSCR loans.
What are the typical DSCR loan requirements?
Most purchase programs start at 20% to 25% down, with no cap on properties owned and LLC vesting allowed. Many programs prefer a ratio of 1.0 or higher (rent covers the full payment), but below-0.75 and no-ratio options exist with more equity. Expect to document credit, reserves, and a lease or appraisal rent schedule.
Can I use a DSCR loan for a short-term rental in Austin TX?
Yes. Eligible short-term rentals can qualify, using the program’s accepted rent method: an appraisal rent schedule, operating history or a projection. Check local short-term-rental permitting first, since rules vary across Austin and Hill Country jurisdictions.
Is a DSCR loan right for me if I'm self-employed?
Often, yes, for a rental. DSCR qualifies on the property’s rent, so write-offs on your tax return don’t reduce the qualifying income. For a home you’ll live in, compare bank statement loans instead.
What are current DSCR loan rates in Austin TX?
DSCR rates change daily and depend on credit, loan-to-value, the property’s ratio, loan amount and the prepayment period you choose. A longer prepayment period prices better; a three-year period is a common middle ground. Send the property and I’ll price it today.
Can I get a DSCR loan on a property I'm house hacking?
Standard DSCR investment-property programs are for non-owner-occupied properties. If you plan to live in a unit, compare an eligible owner-occupied multifamily program instead and disclose your intended occupancy accurately.
Let’s structure your financing.
Share the property location, estimated value or purchase price, monthly rent, and what you want to accomplish. For a refinance, include your current balance and desired cash out. I’ll help you compare the available options and understand the tradeoffs.
Structure My Financing Call Adam: (512) 956-6010All financing is subject to underwriting, property eligibility, and program availability. Terms are scenario-specific.