DSCR Financing in TX
DSCR Loans in Texas
Highest property taxes in the nation, no income tax, non-judicial foreclosure, and the deepest BRRRR community in America. Texas is a DSCR juggernaut.
Local Market Context
Investor Markets in Texas
Houston
One of the largest DSCR markets in the country with deep SFR inventory and diverse employment.
Dallas / Fort Worth
Massive SFR and build-to-rent market with strong appreciation and job growth.
San Antonio
Affordable growth market with military tenants and steady long-term demand.
Austin
Tech-driven appreciation with tight supply and STR upside.
El Paso
Affordable border market with Fort Bliss military tenants.
Common Properties
What Investors Finance in Texas
- ✓Houston and DFW SFR long-term rentals
- ✓Build-to-rent communities in DFW suburbs
- ✓Austin tech-adjacent SFRs (often sub-1.0 DSCR)
- ✓San Antonio and El Paso military-tenant rentals
- ✓Austin and Hill Country STRs
- ✓Section 8 inventory in Houston and DFW
Property Types
DSCR Property Eligibility
Depending on the selected capital partner, eligible property types can include single-family rentals, condos, non-warrantable condos, 2 to 4 units, 5 to 8 units, 9 to 20 units, rural properties with leverage adjustments, and mixed-use properties that are at least 50% residential.
Refinance optionsPurchase optionsProgram Paths
Current DSCR Options in Texas
Get Brick Capital works direct-to-wholesale across multiple capital partners. These are separate program paths, so the strongest feature from one option should not be assumed to combine with another.
Program 3
Completed Rehab
A completed renovation can use the new ARV immediately. Minimum 660 FICO, $75,000 loan, $100,000 property value, and no executed lease required.
Program 1
Small Balance
Loans can start at $50,000 with a $75,000 minimum property value. New-ARV cash-out generally requires at least 91 days and a lease is required.
Program 7
Low / No FICO, No Minimum DSCR
Qualifying purchases can reach up to 75% LTV and refinances up to 60% LTV, with no minimum DSCR ratio requirement and loan amounts up to $10 million. Pricing is materially higher than standard-credit programs.
80% cash-out can be available in Texas. Program 3 can reach up to 80% cash-out LTV at 680+ FICO in this state, subject to DSCR, property type, value, loan size, and other overlays.
Texas DSCR FAQ
Does Get Brick Capital offer DSCR loans in Texas?
Yes. Texas is one of the 46 states Get Brick Capital currently services through its wholesale capital-partner network.
Is Program 7 available in Texas?
Yes. Program 7 can be available in Texas for qualifying low-FICO, no-FICO, or no-minimum-DSCR scenarios. Purchases can reach up to 75% LTV and refinances up to 60% LTV.
Do I need W-2s or personal tax returns?
DSCR income qualification does not use W-2s, pay stubs, or personal tax returns. The most recent two months of bank statements are generally still required to verify closing funds and liquidity, and eligible assets can be used for reserves.
Can I close the loan in an LLC?
Yes. DSCR loans can close in an LLC. Other eligible vesting can include individual ownership, corporations, and approved trusts depending on the program.
See Your Texas DSCR Options
No credit pull for the initial quote. Rates within 24 hours. Typical 28-day close with complete documentation.