DSCR Loans Made for Real Estate Investors

No Tax Returns. No W-2s. Just Cash Flow.

DSCR (Debt Service Coverage Ratio) loans are designed for real estate investors who want to qualify based on a property’s rental income — not their personal income or employment history. These low-documentation loans use the cash flow of the property to determine eligibility, making them ideal for investors, self-employed buyers, and LLCs looking to finance or refinance rental properties. Whether you’re scaling your portfolio or buying your first investment property, DSCR loans offer a streamlined, investor-friendly path to funding.

Program Highlights

No tax returns or W-2s required
Qualify based on rental income (DSCR), not DTI
Close in as little as 10–14 days
Ideal for short-term rentals (Airbnb/VRBO) and long-term rentals
Loans available for LLCs, corporations, and individuals
Flexible loan terms and interest-only options available
Refinance options available — cash-out or rate/term
Competitive rates and nationwide lending

Here

Get a Free DSCR Loan Quote

Why Choose a DSCR Loan?

Investor-Focused: Perfect for building or scaling a rental portfolio
Flexible Qualification: Based on property cash flow, not borrower income
No Income Documentation: Skip the traditional income verification process
Works for Self-Employed Buyers & LLCs: Structure your investments your way

Call today for more information on our construction loans and other mortgage solutions – 972-591-3097.

Get Prequalified

Interested in real estate investing but not sure where to start? Give us a call and we’ll answer your questions and help get you started on the path the real estate investor. Simply call 972-591-3097 or submit your information through the secure online from to the right. We’ll follow up with and discuss your qualifications and necessary next steps.

Examples of mortgage products and scenarios listed on TXMortgageGroup.com

*30-Year Fixed-Rate Mortgage

The payment on a $200,000 30-year Fixed-Rate Loan at 5.00% and 70% loan-to-value (LTV) is $1073.64. The Annual Percentage Rate (APR) is 5.170%. Payment does not include taxes and insurance premiums.

*15-Year Fixed-Rate Mortgage

The payment on a $200,000 15-year Fixed-Rate Loan at 4.50% and 70% loan-to-value (LTV) is $1529.99. The Annual Percentage Rate (APR) is 4.787%. Payment does not include taxes and insurance premiums.

*FHA Loan

Rate is fixed. The payment on a $204,250, 30-year fixed rate loan at 5.00% and 90% loan-to-value (LTV) is $1248.79. Payment includes a one time upfront mortgage insurance premium (MIP) at 1.0% of the base loan amount and a monthly MIP calculated at 0.90% of the base loan amount. The 0.90% monthly MIP will be paid until the loan reaches 78% LTV, provided the MIP has been paid for a minimum of 5 years. Thereafter, the monthly loan payment will consist of equal monthly principal and interest payments until the end of the loan. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. The Annual Percentage Rate (APR) is 5.756%.

*30-year Fixed-Rate VA Loan

Rate is fixed. The payment on a $200,000 30-year fixed-rate loan at 5.00% and 90% loan-to-value (LTV) is $1100.65. The Annual Percentage Rate (APR) is 5.169%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. VA loans do not require PMI. The VA loan is a benefit of military service and only offered to veterans, surviving spouses and active duty military.

*Adjustable-Rate Mortgage

The payment on a 30-year $200,000 5-year Adjustable-Rate Loan at 4.50% and 70% loan-to-value (LTV) is $1013.37. After 5 years, the principal and interest will increase or decrease based upon the value of the predetermined index. Payment does not include taxes and insurance premiums. The Annual Percentage Rate (APR) is 7.625%. Rate is variable.