Investor · Texas
Long-Term Rental Investor in Texas
Building a long-term rental portfolio in Texas? DSCR loans qualify the property's cash flow — not your tax returns.
Common challenges we solve
- Already maxed out on conventional loans
- Don't want to share tax returns
- Scaling a portfolio quickly
What you get with Lumos
DSCR-based qualifying (no W-2 / 1040)
Competitive leverage options
Portfolio cross-collateralization available
What's different in Texas
Texas rental properties pay the full property-tax rate without a homestead exemption, plus any MUD or PID assessment, and that tax bill is usually the largest expense in a Texas DSCR calculation. We check the actual tax rate and rent comps upfront.
Loan programs that typically fit
Frequently asked
- What DSCR ratio do you need?
- 1.0+ for best pricing; we have programs down to 0.75.
- Can I close in an LLC?
- Yes — strongly recommended for investor properties.
