Investment property financing
Austin DSCR Loans
Austin DSCR Loans from an Austin-based direct lender. Review property-level underwriting, leverage limits and the documents for your investment.
Underwriting your Austin property
A Austin address is the starting point, not the whole file. Send the purchase price, property condition, planned improvements and exit. Your Deal Advisor reviews the specific property rather than assuming every neighborhood has the same rents or resale values.
Cash flow and rental leverage
Rental financing is underwritten on property cash flow rather than employment income. Monthly DSCR is rent divided by principal, interest, taxes, insurance and HOA payments. Curlee’s published minimum is 1.0, with lower ratios considered case by case. No tax returns or employment verification are required.
Build a usable property file
For your Austin project, include nearby comparable properties, a realistic timeline and a reserve for carrying costs. Fix & Flip requires property photos and a construction budget instead of an appraisal. A rental file needs rent evidence, taxes, insurance and the proposed debt payment. Other loan programs have their own valuation requirements.
Talk through the exit
A sale and a long-term rental refinance require different assumptions. Review both the expected outcome and what happens if your Austin property takes longer to sell or lease. Curlee’s written Deal Brief gives you a market and underwriting second opinion; it is not a guarantee of resale value or investment profit.
Up to 75% LTV. Your exact limit depends on credit profile and property type — single family, condo, or 2–4 units — and is confirmed by your Deal Advisor.
DSCR Rental: published program terms
| Term | 30-year fixed, 5/1 and 7/1 ARM available |
|---|---|
| Rate | Call for today's pricing |
| Max LTV | Up to 75% LTV. Your exact limit depends on credit profile and property type — single family, condo, or 2–4 units — and is confirmed by your Deal Advisor. |
| Minimum DSCR | 1.0 (sub-1.0 considered case by case) |
| Minimum FICO | 660 |
| Minimum asset value | $100,000 |
| Income verification | None — property cash flow only |
| Entity | LLC or personal, unlimited properties |
| Prepayment | Step-down options, including zero-prepay pricing |
The big platforms qualify properties. We fund investors.
Pre-approval in minutes. No hard credit pull. A real underwriter on the other end.
Pre-approval is an estimate based on the information provided and is not a commitment to lend.