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DSCR Lenders in Texas

26 verified DSCR lenders serving Texas real estate investors. Compare rates, loan programs, and close times — no tax returns required.

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Loan Daddy LLCFeaturedVerified

Scottsdale, AZ

Loan Daddy LLC is a leading DSCR loan originator helping real estate investors nationwide close fast with competitive rates and no income verification. NMLS #1831233.

DSCR LoansNo-Doc LoansInvestment Property LoansBridge Loans
5.0
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ARDRIFeaturedVerified

Scottsdale, AZ

ARDRI offers competitive DSCR loan programs through Loan Daddy LLC. Rates from 7.00%, LTVs up to 80%, minimum DSCR 1.0, and closings in 21 days. LLC vesting available. No tax returns, no W-2s.

DSCR LoansInvestment Property Loans
4.8
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Visio Financial ServicesFeaturedVerified

Austin, TX

Visio is a pioneer in DSCR lending, exclusively focused on investor rental properties. They offer 30-year fixed DSCR loans, no income verification, and close in 21 days. Rates from 7.25%.

DSCR LoansRental LoansLong-Term Rentals
4.7
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KiaviFeaturedVerified

San Francisco, CA

One of the largest DSCR and fix-and-flip lenders in the US. Kiavi offers rental loans with rates starting at 7.00%, LTVs up to 80%, and closings in as little as 15 days. Funded over $20 billion in loans.

DSCR LoansFix & FlipBridge LoansRental Loans
4.6
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RCN CapitalFeatured

South Windsor, CT

Leading private lender for fix & flip, DSCR, and bridge loans nationwide.

DSCR LoansFix & FlipBridge LoansConstruction
4.5
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Lima One CapitalFeaturedVerified

Greenville, SC

National private lender specializing in DSCR, fix-and-flip, and new construction. Lima One offers competitive DSCR rates, flexible underwriting, and a dedicated account manager for every deal.

DSCR LoansFix & FlipNew ConstructionBridge Loans
4.5
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Civic Financial ServicesFeaturedVerified

Westlake Village, CA

Leading private money lender offering DSCR rental loans, bridge loans, and fix-and-flip financing. Civic focuses on speed and certainty of close with competitive rates and no income verification.

DSCR LoansBridge LoansFix & FlipMultifamily
4.4
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CoreVest FinanceFeaturedVerified

Irvine, CA

CoreVest specializes in portfolio DSCR loans for investors with multiple properties. Blanket loans, single-asset rentals, and multifamily up to 100 units. Funded $20B+ to date.

DSCR LoansPortfolio LoansMultifamilyBridge Loans
4.3
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Lone Star DSCR Capital

Dallas, TX

Dallas-based DSCR lender serving Texas real estate investors. Fix and flip, bridge, and rental portfolio loans. Close in 14 business days.

DSCRFix & FlipBridge
4.9
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Lendency

Tampa, FL

Tech-forward DSCR lender with instant rate quotes and paperless closings.

DSCR LoansNon-QMRental Loans
4.8
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Easy Street CapitalVerified

Austin, TX

Austin-based private lender with a reputation for fast, reliable closings on DSCR and fix-and-flip loans. Strong presence in Texas, Southeast, and Mountain West. Known for responsive service.

DSCR LoansFix & FlipBridge LoansNew Construction
4.8
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Tidal Loans

Houston, TX

Texas-based investment property lender. DSCR from 0.75, low down payment options.

DSCR LoansFix & FlipBridge LoansRental Loans
4.8
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Griffin Funding

San Diego, CA

Nationwide DSCR and non-QM lender specializing in investor portfolios. No income docs, fast close.

DSCR LoansPortfolio LoansNon-QMBridge Loans
4.7
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Hill Country Mortgage Capital

Austin, TX

Austin-area DSCR lender for Texas real estate investors. Bridge loans, fix and flip financing, and rental portfolio products. Fast closings.

DSCRBridgeFix & Flip
4.7
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New Silver

Stamford, CT

Data-driven lender for real estate investors. Instant DSCR approvals.

DSCR LoansFix & FlipBridge LoansNew Construction
4.7
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DFW Real Estate Finance

Fort Worth, TX

Fort Worth DSCR and non-QM lender serving the Dallas-Fort Worth metroplex. Fix and flip, bridge, and rental portfolio loans up to $3M.

DSCRFix & FlipNon-QM
4.6
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Texas Investment Lending

Houston, TX

Houston DSCR and multifamily lender. Competitive rates on buy-and-hold rental portfolios. No personal income documentation required.

DSCRMultifamilyCash-Out Refi
4.6
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Finlocker Capital

Atlanta, GA

Southeast-focused DSCR lender with in-house underwriting and fast decisions.

DSCR LoansNon-QMRental Loans
4.5
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Gulf Coast Investor Loans

San Antonio, TX

San Antonio DSCR lender specializing in multifamily and cash-out refinances for Texas investors. Flexible underwriting, no tax returns.

DSCRCash-Out RefiMultifamily
4.5
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Sooner State DSCR Lending

Oklahoma City, OK

Oklahoma City DSCR lender for Oklahoma and surrounding states. Rental portfolio, multifamily, and bridge loans. Minimum DSCR 1.0.

DSCRMultifamilyBridge
4.4
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Upright (formerly Fund That Flip)

Cleveland, OH

Real estate investment platform offering DSCR and bridge lending at scale.

DSCR LoansBridge LoansFix & FlipRental Loans
4.3
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Velocity Mortgage Capital

Westlake Village, CA

Non-owner occupied specialist offering DSCR, blanket, and portfolio loans.

DSCR LoansPortfolio LoansBlanket LoansNon-QM
4.3
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Dominion Financial Services

Baltimore, MD

Nationwide investor lender. DSCR, fix & flip, and new construction programs.

DSCR LoansFix & FlipNew ConstructionBridge Loans
4.3
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Rental Home Financing

Clearwater, FL

Single-family and small multifamily DSCR loans. No tax returns, no job required.

DSCR LoansRental LoansNon-QM
4.2
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Deephaven MortgageVerified

Charlotte, NC

Non-QM specialist offering DSCR loans, bank statement loans, and asset depletion. Strong wholesale channel. Deephaven is one of the top DSCR lenders for brokers to use with investor clients.

DSCR LoansNon-QMBank Statement Loans
4.2
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Sharestates

Great Neck, NY

Real estate crowdfunding and direct lending platform for investment properties.

DSCR LoansBridge LoansFix & FlipMultifamily
4.1
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DSCR Loans in Texas — FAQ

What is a DSCR loan and how does it work in Texas?

A DSCR (Debt Service Coverage Ratio) loan qualifies based on rental income rather than your personal income. Lenders in Texas typically require a DSCR of 1.0 or higher, meaning the property's monthly rent covers the mortgage payment. No tax returns or W-2s required.

What credit score do I need for a DSCR loan in Texas?

Most Texas DSCR lenders require a minimum 660-680 FICO score, though some offer programs down to 620. Higher scores unlock better rates and lower down payments.

What is the minimum down payment for a DSCR loan in Texas?

Typical DSCR loans in Texas require 20-25% down for single-family rentals. Multifamily (2-4 units) may require 25-30%. Some programs allow as little as 15% with strong DSCR ratios.

How fast can DSCR lenders close in Texas?

Most DSCR lenders on this directory offer closings in 14-21 business days. Hard money and bridge lenders can often close in 7-10 days. Compare timelines by viewing individual lender profiles.

Are you a DSCR lender in Texas?

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