Investment property financing
DSCR Loans for Texas Real Estate Investors
Explore Texas investment-property financing based on rental cash flow, with DSCR requirements, leverage disclosures and practical file preparation.
Qualify the Texas property
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.
Rent is not the same as cash flow
Include taxes, insurance, HOA, vacancy and maintenance in your planning. Lender DSCR is a qualification measure, not a promise that the property produces spendable profit.
Prepare for a refinance or acquisition
Provide a lease or supported rent estimate, property details, purchase or payoff information and your entity documents. Explain whether this is a purchase, cash-out refinance or BRRRR exit.
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.