DSCR Lenders in Texas
26 verified DSCR lenders serving Texas real estate investors. Compare rates, loan programs, and close times — no tax returns required.
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.
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.
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%.
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.
South Windsor, CT
Leading private lender for fix & flip, DSCR, and bridge loans nationwide.
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.
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.
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.
Dallas, TX
Dallas-based DSCR lender serving Texas real estate investors. Fix and flip, bridge, and rental portfolio loans. Close in 14 business days.
Tampa, FL
Tech-forward DSCR lender with instant rate quotes and paperless closings.
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.
Houston, TX
Texas-based investment property lender. DSCR from 0.75, low down payment options.
San Diego, CA
Nationwide DSCR and non-QM lender specializing in investor portfolios. No income docs, fast close.
Austin, TX
Austin-area DSCR lender for Texas real estate investors. Bridge loans, fix and flip financing, and rental portfolio products. Fast closings.
Stamford, CT
Data-driven lender for real estate investors. Instant DSCR approvals.
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.
Houston, TX
Houston DSCR and multifamily lender. Competitive rates on buy-and-hold rental portfolios. No personal income documentation required.
Atlanta, GA
Southeast-focused DSCR lender with in-house underwriting and fast decisions.
San Antonio, TX
San Antonio DSCR lender specializing in multifamily and cash-out refinances for Texas investors. Flexible underwriting, no tax returns.
Oklahoma City, OK
Oklahoma City DSCR lender for Oklahoma and surrounding states. Rental portfolio, multifamily, and bridge loans. Minimum DSCR 1.0.
Cleveland, OH
Real estate investment platform offering DSCR and bridge lending at scale.
Westlake Village, CA
Non-owner occupied specialist offering DSCR, blanket, and portfolio loans.
Baltimore, MD
Nationwide investor lender. DSCR, fix & flip, and new construction programs.
Clearwater, FL
Single-family and small multifamily DSCR loans. No tax returns, no job required.
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.
Great Neck, NY
Real estate crowdfunding and direct lending platform for investment properties.
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.
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