Top DSCR Lenders in Texas
DSCR Mortgage Loans – Top DSCR Lenders in Texas | Texas Premier Mortgage
Unlock the Power of Investing in Real Estate
At Texas Premier Mortgage, we understand that real estate investors often face challenges when it comes to traditional mortgage approvals. Income documentation, tax returns, and strict underwriting requirements can slow down or even block an investor’s ability to expand their portfolio. That’s why we created Investor Flex, our exclusive DSCR (Debt Service Coverage Ratio) mortgage loan program designed to make investing simpler, faster, and more flexible.
As a Top DSCR lender in Texas, our mission is to provide financing solutions that rely on the strength of your investment property—not the complexity of your personal income. If you’re ready to grow your real estate portfolio with less paperwork and more opportunity, DSCR loans through Texas Premier Mortgage may be the perfect fit.
What Is a DSCR Loan?
A DSCR Loan is a mortgage designed for investors where qualification is based on the property’s income potential instead of the borrower’s personal income. DSCR stands for Debt Service Coverage Ratio, a measure of whether the property generates enough rental income to cover its mortgage payments.
In simple terms, if the property pays for itself, you’re in a strong position to qualify. This makes DSCR loans one of the most accessible options for real estate investors who want to avoid the traditional hurdles of proving personal income.
The Texas Premier Mortgage Investor Flex Advantage
Our Investor Flex DSCR program is designed with investors in mind. Whether you’re purchasing, refinancing, or cashing out on an investment property, Investor Flex gives you the ability to move quickly and structure financing around your goals.
Key Features of Investor Flex:
- Loan amounts up to $3 million – Ideal for both small and large investments.
- Purchase or refinance options – Buy new rental properties or refinance existing ones.
- Qualification based on market rent – No need to provide income documentation.
- Four flexible loan options – Choose the loan structure that best fits your investment strategy.
This flexibility allows investors to build or expand their portfolio with ease. Whether you’re just starting out or managing multiple properties, our DSCR program is tailored to your needs.
How DSCR Loans Work
Traditional mortgage loans focus on a borrower’s income, job history, and tax returns. For many investors—especially those who are self-employed or have complex financials—this creates unnecessary obstacles.
With a DSCR Loan, the focus shifts to the rental income of the property itself. If the projected or actual rent is enough to cover the mortgage payment, the property qualifies.
This streamlined approach means:
- Fewer documents are required.
- Faster approvals can help you secure properties quickly.
- Simplified financing for growing your portfolio.
Property Types Eligible for DSCR Loans
The Investor Flex DSCR program is designed for versatility. It works with a wide range of property types, including:
- Single-family homes
- Duplexes
- Triplexes
- Fourplexes
- Other income-producing properties
This broad eligibility makes DSCR loans an excellent choice for investors who want to diversify their holdings across different property types.
Why Choose a DSCR Loan?
No Income Documentation
One of the biggest benefits of DSCR loans is that they eliminate the need for personal income verification. Instead, we look at the property’s rental income to determine eligibility.
Flexible Loan Options
Our Investor Flex program offers four distinct structures, giving you the ability to choose the loan setup that aligns with your investment strategy.
Competitive Loan Amounts
With financing available up to $3 million, you have the ability to pursue larger opportunities without limitations.
Streamlined Process
Because the loan is based on property performance, the approval process is faster and less complicated than traditional mortgages.
The DSCR Process
At Texas Premier Mortgage, we make the DSCR loan process simple and investor-friendly. Here’s how it works:
- Identify the property you’d like to purchase or refinance.
- Provide market rent information—either actual rental agreements or projected rental income based on comparable properties.
- Choose your loan option we will review a variety of loan options based on your goals.
- Close with confidence, knowing your loan is based on the property’s income and not your personal financial history.
This streamlined approach allows you to act quickly in a competitive real estate market and take advantage of opportunities as they arise.
DSCR Loan Options
Every investor has different goals, which is why we designed four unique loan options under the DSCR program. Whether your strategy is focused on long-term rentals, short-term cash flow, or refinancing existing assets, you can select the option that matches your needs.
These flexible loan structures make it easier to customize financing around your investment style, giving you maximum control and confidence.
We have a quick and easy way to purchase more investment properties. Our debt-service coverage ratio (DSCR) loan allows you to qualify for investment properties based on the prospective monthly rental income.
- Finance up to 20 properties
- Loan amounts up to $3M
- Eligible for short-term and long-term rentals
- Low reserves requirement — as little as 3 months’ needed
- Can be closed in an LLC
This is a perfect opportunity to broaden your horizons.
Benefits of Partnering with Texas Premier Mortgage
When you choose Texas Premier Mortgage for your DSCR financing, you’re working with a lender who understands investors and the Texas real estate market.
Why We Stand Out:
- Top DSCR Lender in Texas – Recognized for our experience and expertise in investor financing.
- Tailored Programs – Investor Flex was built specifically for real estate investors.
- Local Knowledge – As a Texas-based lender, we understand the unique opportunities in markets across the state.
- Flexibility and Speed – Our streamlined process helps you move faster than traditional lenders.
- Investor-Friendly Approach – From purchase to refinance, we’re here to support your investment journey.
Who Should Consider a DSCR Loan?
DSCR loans are ideal for:
- Real estate investors who want to expand their portfolio without personal income documentation.
- Self-employed individuals who may not qualify for traditional mortgages.
- Investors interested in refinancing existing properties for better terms or cash-out opportunities.
- Buyers looking to take advantage of the growing rental market in Texas.
If your goal is to leverage property income to build long-term wealth, DSCR loans are a powerful tool to make that happen.
Frequently Asked Questions
Q: What does DSCR stand for?
A: DSCR stands for Debt Service Coverage Ratio. It measures whether the property’s income is sufficient to cover its mortgage payments.
Q: How is eligibility determined?
A: Eligibility is based on the property’s rental income compared to its mortgage obligations. If the income covers the debt, you’re in a strong position to qualify.
Q: Can I refinance with a DSCR loan?
A: Yes, Investor Flex / DSCR allows for both purchase and refinance options, making it versatile for growing or managing your portfolio.
Q: What types of properties qualify?
A: Single-family homes, duplexes, triplexes, fourplexes, and other income-producing properties are eligible.
Q: What makes Texas Premier Mortgage different?
A: We are a Top DSCR lender in Texas, offering a tailored, investor-focused loan program with flexible options and competitive loan amounts.
Why Now Is the Time to Invest
The Texas real estate market continues to grow, with strong demand for rental properties across the state. Investors are finding opportunities in both long-term and short-term rentals, and DSCR loans provide the financial leverage to take advantage of those opportunities.
With a DSCR Loan, you can act quickly, qualify based on property income, and structure financing in a way that supports your investment goals.
Take the Next Step
At Texas Premier Mortgage, we believe every investor deserves a financing partner who understands their unique needs. That’s why we created Investor Flex—because building wealth through real estate shouldn’t be held back by traditional income requirements.
Whether you’re purchasing your first rental property, refinancing an existing asset, or expanding into a new market, we’re here to help you succeed.
Contact Texas Premier Mortgage today to learn more about our Investor Flex DSCR Mortgage Loans and discover why we’re a Top DSCR Lender in Texas.
For more information about DSCR loans, their benefits and loan options and how it may apply to you, please contact us direct or submit the “Quick Quote” form on this page.
