Texas real estate investor loans

Texas DSCR loans: qualify on rental cash flow, not your tax returns.

Buy or refinance rental property based on the rent it earns. Your dedicated loan advisor runs the numbers on your deal personally.

5 quick taps · Soft credit check · No obligation

No personal income docs

No tax returns, W-2s or pay stubs. The property's rent does the qualifying.

Purchase or cash-out

Buy your next rental or pull equity to fund repairs and the next deal.

Close in your LLC

Title the property in your business entity for cleaner bookkeeping and liability separation.

Long- or short-term rentals

Leased homes, vacant properties using market rent, and short-term rentals.

How DSCR works

DSCR stands for debt service coverage ratio. It compares the property's monthly rent to its full monthly payment — principal, interest, taxes, insurance and any HOA dues.

DSCR = Monthly rent ÷ Monthly payment

Example: $2,400 rent ÷ $2,000 payment = 1.20. The rent covers the payment with room to spare.

See if your property qualifies

Five quick taps about the deal, then where to send your numbers.

Step 1 of 6Goal
What are you looking to do?

Soft credit check to start · No obligation

Dana Allen, NMLS #536153 · CMG Home Loans, NMLS #1820

Who investors use DSCR for

Growing a portfolio

Keep adding doors without your personal debt-to-income holding you back.

Self-employed investors

Write-offs that shrink your taxable income don't shrink your buying power.

Equity for the next deal

Cash-out refinance a rental you own to fund the next purchase.

1–4 unit properties

Single-family homes, duplexes, triplexes, fourplexes, condos and townhomes.

Not quite your situation?

Rather talk it through?

Pick a time on Dana's calendar for a one-on-one call. No obligation.

Check my property