Why Steve Head with Texas Premier Mortgage Is the Best DSCR Mortgage Broker in Texas
When it comes to real estate investment financing in Texas, few experts bring the depth of knowledge, experience, and personalized service that Steve Head at Texas Premier Mortgage delivers. Steve has guided hundreds of investors through the complexities of DSCR (Debt Service Coverage Ratio) mortgage loans—helping them unlock financing based on the true income-generating potential of their properties rather than the limitations of traditional income verification. Best DSCR Mortgage Broker in Texas | Steve Head Texas Premier Mortgage
Whether you’re a first-time investor or a seasoned pro expanding your portfolio, Steve Head is widely recognized as the top DSCR mortgage broker in Texas—and here’s why.
DSCR Mortgage Loans Across Texas
Steve Head with Texas Premier Mortgage proudly serves real estate investors across the entire state of Texas. With over 20 years of Texas lending experience, Steve understands local rental markets, investor demand, and lender expectations in both major metro areas and growing secondary markets.
Whether you are investing in a large city or an emerging market, DSCR mortgage loans are available statewide.
Steve Head’s Signature: Personalized, Investor-Focused Guidance
What truly sets Steve apart isn’t just technical skill—it’s personalized service. Real estate investors know that financing is more than numbers: it’s about trust, timing, responsiveness, and strategy.
Steve Head - Mortgage Expert:
- One-on-one guidance through every step of your DSCR loan process
- Analysis of your property’s income potential
- Creative structuring to maximize cash flow and minimize risk
- Clear communication and education so you understand every decision
- A focus on long-term success, not quick closings
Clients consistently note Steve’s responsiveness, clarity, and commitment—not traits you find with every mortgage broker.
#1 Mortgage Broker in Texas
Texas Premier Mortgage’s DSCR Products: Powering Your Investment Goals
Under Steve’s leadership, Texas Premier Mortgage offers one of the most comprehensive DSCR mortgage product suites in Texas. Known as the Investor Flex DSCR program (DSCR), this solution was designed specifically for investors looking to qualify using rental income instead of personal income.
Major Texas Cities We Serve
Texas Premier Mortgage provides DSCR mortgage loans throughout Texas cities and surrounding areas:
Houston, San Antonio, Dallas, Austin, Fort Worth, El Paso, Arlington, Corpus Christi, Plano, Laredo, Lubbock, Garland, Irving, Amarillo, Grand Prairie, McKinney, Frisco, Brownsville, Pasadena, Mesquite, Killeen, McAllen, Waco, Carrollton, Denton, Midland, Abilene, Beaumont, Round Rock, Odessa, Wichita Falls, Richardson, Lewisville, Tyler, College Station, Pearland, San Marcos, League City, Longview, Bryan, Mission, Edinburg, Pharr, Baytown, Missouri City, Flower Mound, Cedar Park, Temple, New Braunfels, No matter where your investment property is located in Texas, Steve Head can help structure the right DSCR mortgage loan for your market.
DSCR Mortgage Loans in Texas – Quick Answer
A DSCR mortgage loan in Texas allows real estate investors to qualify for financing based on rental income instead of personal income. Approval is determined by whether the property’s income can cover its mortgage payment, making DSCR loans ideal for rental property investors, self-employed borrowers, and portfolio investors.
What counts in the monthly “housing payment”
This is a big deal because your DSCR depends on what the lender includes:
- Principal + Interest
- Property taxes
- Property Insurance
- HOA dues
Typical DSCR thresholds
Common DSCR ranges you’ll hear:
- 1.00+: rent covers the payment (often a key target)
- 1.10–1.25: stronger approvals and better pricing
- Below 1.00: still possible sometimes, but terms may be tighter (bigger down payment, higher reserves, or higher rate)
Why Texas Investors Choose DSCR Loans
DSCR mortgage loans are one of the most popular financing options for real estate investors in Texas because they remove many of the traditional barriers found in conventional loans.
Key benefits include:
- No personal income verification
- No tax returns or W-2s required
- Qualification based on rental income
- Ability to finance multiple properties
- Faster approval process
- Flexible loan structures
- Close in your LLC (the mortgage will not show on your credit report)
Steve Head specializes in matching investors with DSCR loan programs that align with their cash flow and long-term investment goals.
DSCR Loan Program Highlights
Texas Premier Mortgage offers DSCR loan programs designed specifically for real estate investors.
Program features include:
- Loan amounts up to $3 million
- Purchase, refinance, and cash-out options
- Competitive interest rates for investor loans
- Flexible DSCR requirements depending on property performance
- Financing for up to 20 rental properties
- Investor-friendly underwriting
These programs are built for both first-time and experienced investors looking to scale efficiently.
Ideal Property Types for DSCR Loans
DSCR mortgage loans in Texas can be used for a wide range of income-producing properties, including:
- Single-family rental homes
- Duplexes
- Triplexes
- Fourplexes
Steve Head evaluates each property individually to ensure rental income meets DSCR guidelines and lender expectations.
How DSCR Loans Help Investors Scale Faster
Unlike traditional mortgages, which rely on personal income and debt-to-income ratios, DSCR loans allow investors to grow without those obstacles.
Because each property qualifies on its own cash flow, investors can:
- Acquire multiple rental properties
- Refinance existing investments
- Access equity through cash-out refinancing
- Improve portfolio cash flow
- LLC Mortgage Title Options
This makes DSCR loans one of the most powerful tools for long-term real estate investors in Texas.
Who Qualifies for a DSCR Loan?
Most real estate investors qualify for DSCR loans if the rental income from the property can cover the monthly mortgage payment. DSCR loans are commonly used by investors, self-employed borrowers, business owners, and portfolio landlords who want to qualify without traditional income documentation.
DSCR Mortgage Loan FAQ
What does DSCR stand for?
DSCR stands for Debt Service Coverage Ratio. It measures whether a rental property’s income can cover its mortgage payment.
How is DSCR calculated?
DSCR is calculated by dividing the property’s monthly rental income by the total monthly mortgage payment. A higher ratio indicates stronger cash flow.
DSCR = Monthly rental income ÷ Monthly housing payment
Example:
- Rent = $2,200/month
- Monthly housing payment = $2,000/month
- DSCR = 2,200 ÷ 2,000 = 1.10
A DSCR of 1.00 means the rent equals the payment.
Above 1.00 means rent covers the payment with room to spare.
Below 1.00 means rent does not fully cover the payment.
Different lenders set different minimum DSCR requirements, and those requirements can affect your rate, down payment, and approval strength.
Do DSCR loans require income verification?
No. DSCR loans typically do not require tax returns, W-2s, or pay stubs. Approval is based on property income.
Can I use a DSCR loan for multiple properties?
Yes. Many investors use DSCR loans to finance multiple rental properties because each property qualifies based on its own income.
What credit score is needed for a DSCR loan?
Credit score requirements vary by lender, but many DSCR programs start around the 660 range, with rates dramatically increasing for lower credit scores. Higher down payments can help offset lower credit scores to keep the rates down and help the qualification process.
Are DSCR loans only for Texas?
DSCR loans are available nationwide, but Steve Head specializes in DSCR mortgage loans for Texas real estate investors.
Can DSCR loans be used for cash-out refinancing?
Yes. DSCR loans can be used for cash-out refinances, allowing investors to access equity from rental properties.
Are DSCR loans good for first-time investors?
Yes. DSCR loans can be a strong option for first-time investors who have a qualifying rental property and want to avoid traditional income documentation.
Trusted by Investors Across Texas
From Houston to San Antonio, Austin to Dallas-Fort Worth, investors of all experience levels trust Steve Head for their DSCR financing needs. His reputation has been built not on slogans, but on results:
- Helping new investors break into the market
- Guiding experienced investors through large portfolio expansions
- Structuring complex DSCR loans with ease
- Providing clear financial education and options every step of the way
That’s why Steve is frequently recognized as one of the leading DSCR mortgage brokers in Texas—trusted by investors and lenders alike.
Can you do a DSCR loan if your property is listed? Properties Listed For Sale under DSCR
Properties listed for sale must be taken off the MLS prior to the application process for a refinance or home equity transaction. The lender will not approve a loan for a property listed for sale. Having the property listed for lease is acceptable.
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.
