Investor · Texas
DSCR Investor Loan in Texas
Building a rental portfolio in Texas? DSCR loans qualify the property — not you.
Common challenges we solve
- Already at the 10-property conventional limit
- Don't want to share personal tax returns
- Need to close in an LLC
What you get with Lumos
Property-cash-flow underwriting only
Competitive leverage options
Unlimited number of properties
What's different in Texas
Texas rentals don't get the homestead exemption, so investors pay the full property-tax rate plus any MUD or PID assessment — the biggest factor in a Texas DSCR calculation. We check the tax bill and rent comps before you write an offer.
Loan programs that typically fit
Frequently asked
- What's the minimum DSCR?
- 1.0 for best pricing; programs available down to 0.75.
- Can I close in my LLC?
- Yes — that's the standard structure.
Related pages
Get qualified in 60 seconds →Local guide: DSCR Loans in San Antonio, TXLocal guide: DSCR Loans in Dallas, TXDSCR Investor Loan in FloridaLLC Purchase (Investment) in TexasShort-Term Rental (Airbnb / VRBO) in TexasLong-Term Rental Investor in TexasHouston, Texas Mortgage BrokerSugar Land, Texas Mortgage BrokerThe Woodlands, Texas Mortgage Broker
