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In Texas, qualifying for a DSCR loan means showing rental income strong enough to handle the full monthly payment — with one critical input: Texas has no state income tax but the third-highest effective property tax rate in the country (~1.74%), so the PITI math is what makes or breaks Texas deals. Approval depends on the property’s cash flow, not your personal tax returns. When projected rent meets the required coverage ratio, you can apply online and move forward.
A DSCR loan in Texas gives buyers a way to qualify based on how the property earns instead of how their personal income is documented. The Debt Service Coverage Ratio measures rental income against the complete housing payment — principal, interest, property taxes, and insurance. Modeling the actual county appraisal district and ISD mill rate (not a state average) is essential for accurate Texas DSCR scenarios.
Texas combines the country's #1 net in-migration story with four major metro economies (DFW Fortune 500 cluster, Houston energy/medical, Austin tech/Tesla, San Antonio military/USAA), the world's largest medical complex, and the Permian Basin's dominant US oil production — balanced against the third-highest property tax rate in the country.
The largest medical complex in the world — MD Anderson, Houston Methodist, Memorial Hermann, Texas Children's, Baylor College of Medicine. Anchors deep furnished mid-term rental demand in Houston.
Third-highest in the country. No state income tax offsets this for investors and tenants, but the PITI math is the central Texas DSCR consideration. Always model actual county + ISD mill rates.
Up to 85% LTV financing available for qualified Texas investors — meaning as little as 15% down on the right Plano family rental or Austin tech-corridor duplex.
Texas leads the United States in net in-migration, adding roughly 470,000 net new residents in 2024. Four major metro economies anchor that growth. Dallas–Fort Worth hosts the largest Fortune 500 headquarters cluster in the South: AT&T, American Airlines, Toyota North America, Lockheed Martin Aeronautics, Texas Instruments, Charles Schwab. Houston combines the world’s largest medical complex (Texas Medical Center, ~106K employees) with global energy corporate presence (ExxonMobil corporate, Chevron, ConocoPhillips, Halliburton, SLB). Austin’s tech economy now includes Tesla’s Gigafactory Texas (~22K employees), Apple’s North Austin campus, Samsung’s Taylor semiconductor fab, and Oracle. San Antonio anchors “Military City USA” with Joint Base San Antonio (~80K personnel across three installations) and USAA’s ~19K-employee headquarters. The Permian Basin’s Midland and Odessa drive US oil production. The structural in-migration story is real, but every Texas DSCR scenario lives or dies on accurate property tax modeling.
From property evaluation to closing, the path is the same whether you’re buying a Plano single-family or a Midland oilfield-workforce duplex — but accurate county and ISD property tax modeling is essential for every Texas scenario.
Confirm whether it’ll be a long-term rental or a seasonal short-term rental — this changes how income is projected.
Pull lease comps for long-term DFW, Houston, Austin, or San Antonio properties; for Hill Country, Gulf Coast, or Big Bend STRs, use AirDNA-verified projections that account for season concentration and municipal STR rules.
Add principal, interest, taxes, and insurance. This is the number rent has to clear.
Compare projected rent to the full PITI payment. If the ratio meets program guidelines, you’re ready to apply.
The application takes about 12 minutes. No tax returns, W-2s, or employment letters required.
Send the smaller-than-usual document package to underwriting (full list below).
The appraiser verifies both the property’s value and its market rent — both factor into final approval.
Sign final docs and fund. Most Texas DSCR loans close in 20 to 30 days from a complete file.
Ready to run the numbers on your Texas deal?
Apply OnlineThe coverage ratio is the single most important number in a DSCR file. Here’s exactly how it’s calculated.
From Plano family rentals to Houston Med Center furnished housing to Austin tech-corridor duplexes to Permian Basin oilfield workforce rentals, DSCR works across Texas's investment landscape.
Single-family rentals in DFW suburbs (Plano, Frisco, McKinney, Allen, Southlake), Houston suburbs (Katy, Sugar Land, The Woodlands, Pearland), Austin suburbs (Round Rock, Cedar Park, Pflugerville, Leander), and San Antonio suburbs (Schertz, New Braunfels, Stone Oak).
Condos in Downtown Dallas, Uptown Dallas, Houston's Inner Loop, Austin downtown and East Austin, San Antonio Pearl District — strong demand from corporate relocators and knowledge workers.
Duplex, triplex, and quadplex properties — often the highest-yield DSCR play in Houston EaDo and Heights, Dallas Oak Cliff and East Dallas, Austin East Side, San Antonio Southtown, El Paso, and Midland-Odessa.
Hill Country wine country STRs in Fredericksburg, Wimberley, Dripping Springs; Gulf Coast STRs in Galveston, Port Aransas, South Padre, Rockport; Big Bend area STRs in Marfa, Terlingua, and Alpine.
Properties near University of Texas (Austin, ~52,000 students), Texas A&M (College Station, ~73,000), Texas Tech (Lubbock), University of Houston, UT Arlington, UT Dallas, and Baylor (Waco) — consistent academic-year demand across Texas's deep university system.
Furnished mid-term rentals serving Texas Medical Center traveling nurses, Tesla Gigafactory contractors, Samsung Taylor fab construction, JBSA PCS moves, Permian Basin oilfield crews, and corporate relocations to Plano, Austin, and Houston.
The DSCR document list is shorter than a conventional loan because we don’t ask for tax returns, W-2s, or employment verification.
Driver’s license, passport, or state ID for each borrower on the loan.
To verify down payment funds and reserves. We don’t review the deposits — only the balances.
Signed contract for the Texas property you’re buying. For refinances, the existing mortgage statement.
For occupied long-term rentals, the existing lease. For vacant or short-term properties, the appraiser pulls market rent comps.
Quote or binder for landlord/dwelling insurance. Required before closing — not at application.
If buying through an LLC: articles of organization, operating agreement, and EIN letter. Most DSCR loans allow LLC vesting.
Quick list of any other properties you own — addresses, mortgage balances, and rental income for each.
For Hill Country, Gulf Coast, or Big Bend STRs: AirDNA report or 12-month booking history. Confirm county appraisal district tax records and (for Gulf Coast or Houston floodplain) flood insurance quotes.
What we don’t ask for: tax returns, W-2s, pay stubs, employer verification, or personal income documentation. That’s the entire point of a DSCR loan.
Quick answers from a team that’s closed thousands of investor loans across the country.
Call 800-696-SAVE to talk through your Texas deal with a licensed broker. No credit pull required.
Schedule a Free ConsultationWe assist investors evaluating Texas rental properties and structure financing around projected cash flow. From DFW suburban family rentals to Houston Medical Center furnished housing to Austin tech-corridor duplexes to Permian Basin oilfield rentals, we match the program to the property — and we always model the actual county and ISD mill rate upfront, because Texas property tax is the difference between a deal that pencils and one that doesn’t.
Our team was recognized by WalletHub as one of the Best Mortgage Brokers in several cities, reflecting our focus on clear communication and investor-driven solutions.
You can read what our clients say, and when you’re ready, apply now or call 800-696-SAVE to review your Texas investment strategy.
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We close DSCR investor loans coast to coast. Click your state to see local market details and start an application.
Whether you’re buying your first Plano single-family or your fifteenth Houston Medical Center furnished rental, we’ll structure financing around the property’s cash flow. Pre-approval in 24 hours.
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