NMLS#: 2653540 (Company) · 513013 (Adam Styer)
DSCR loan options for Austin, Round Rock, Georgetown, Buda, Kyle, San Marcos, and Hill Country rental properties. Qualify primarily on property cash flow.
Where DSCR fits in Central Texas
Central Texas has several different investor markets: Austin long-term rentals, Round Rock and Georgetown suburban rentals, San Marcos student-adjacent rentals, New Braunfels and Hill Country lifestyle properties, and STR-heavy pockets near lakes, wineries, and event venues. DSCR focuses primarily on whether the property income supports the payment.
What Adam reviews first
Adam reviews purchase price, down payment, estimated rent, taxes, insurance, HOA dues, property type, lease or market-rent support, and whether the deal is long-term rental, short-term rental, or mixed-use strategy. The DSCR ratio is only one piece; investor guidelines and reserves matter too.
Central Texas nuance
A property in Round Rock does not underwrite the same way as a Wimberley STR or a downtown Austin condo. HOA rules, STR licensing, appraisal rent schedules, flood zones, and insurance can all change the deal. The review starts with the property, not the borrower's tax return.
Who this page is for
- Austin and Central Texas rental-property buyers
- Investors comparing long-term rentals, mid-term rentals, and STRs
- Out-of-state buyers moving capital into Texas properties
For the broader program details, start with the Texas DSCR loan guide. This page narrows that guidance to DSCR loans Central Texas searches and Austin/Central Texas borrower scenarios.
Common Questions
Yes, DSCR loans can fit many Texas investment properties when the property and borrower meet investor guidelines. Adam is Texas-licensed and reviews Central Texas rental scenarios across Austin, suburbs, and Hill Country markets.
Many DSCR programs focus primarily on property cash flow rather than personal tax-return income. Investors still need credit, assets, reserves, entity documents when applicable, and property documentation.
Some DSCR investors allow short-term rental income when supported by acceptable documentation such as actual history or market-rent tools. Rules vary by investor and local STR regulations.
Send the property address, purchase price, down payment target, estimated rent, property type, lease or STR plan, and whether you want to close personally or in an LLC.
Related Complex-Income Pages
Run the DSCR Math
Tell Adam what you are trying to buy, how income is documented, and where the bank got stuck. He will map the realistic paths before you commit to a full application.
Run the DSCR MathBook a 15-Minute CallOr call (512) 956-6010 — NMLS #513013