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Austin Debt Service Coverage Ratio (DSCR) Loans

Unlock the potential of your investment properties with DSCR loans. These loans allow you to qualify based on the property's cash flow rather than personal income, making them ideal for real estate investors seeking flexible financing options.

Flexible Mortgage Solutions Tailored by LendFriend

Our Austin mortgage experts specialize in DSCR loans that let your investment property qualify based on cash flow—not your personal income. We help real estate investors finance properties with strong rental potential, even if they don’t meet conventional lending criteria.

Efficient closings with competitive pricing

Our streamlined DSCR loan process closes in as little as 22 days, with flexible fees and competitive interest rates. Repeat investor clients and certain professionals enjoy special pricing perks.

Pre-qualify online in minutes

Complete our 7-minute online application for same-day pre-qualification without lengthy paperwork.

Get support from a local, dedicated team

You’ll work with a team of Austin-based mortgage pros who understand the local rental market and how to structure your loan for optimal ROI.

Who Benefits Most from DSCR Financing

DSCR loans are ideal for borrowers with strong investment opportunities who want to qualify based on property cash flow instead of tax returns or employment history. If your deal makes sense on paper, LendFriend can help you finance it.

Real estate investors building rental portfolios

Whether you're buying in Austin, Round Rock, or East Side neighborhoods, DSCR loans let you expand your portfolio without personal income documentation.

LLCs and investment entities

DSCR loans allow LLCs and corporations to borrow under the business name, keeping personal finances separate and optimizing tax strategies.

Self-employed or high-net-worth investors

If your income is complex or doesn't show well on paper, DSCR loans let you leverage rental income alone to qualify.

Why DSCR Loans Are a Smart Move

We offer multiple Non-QM solutions customized to your specific financial situation. Our programs work with your strengths, whether that's business income, significant assets, or investment property potential.

DSCR loans for investment properties

We offer investor-focused loan options built around your property’s cash flow, not your personal tax returns. Whether you're growing a rental portfolio or financing through an LLC, DSCR loans let you leverage income-producing properties across Austin and beyond.

Fast closings with flexible guidelines

Our DSCR programs feature low documentation, no employment verification, and no tax return requirements. Close confidently with local experts who understand Austin’s investment landscape.

Competitive rates—without the red tape

DSCR loan rates are typically 0.5% to 1% higher than conventional loans because they rely on rental income rather than personal income documentation. But that premium buys flexibility—especially for self-employed investors or those that can't qualify on their income alone.

Streamlined Process Designed for Speed and Clarity

Our mortgage process eliminates unnecessary steps while maintaining thorough evaluation of your unique financial situation. We've refined every aspect to provide a clear path to approval.

Minimal documentation requirements

Submit only what's truly needed – no excessive paperwork or redundant forms. Our process focuses on documentation that actually matters for your specific situation.

Smooth closings with no last-minute surprises

Our thorough upfront work ensures a predictable, stress-free closing. We coordinate with title companies throughout Austin to ensure everything is ready when you are.
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Frequently Asked Questions

What credit score do I need to qualify?

DSCR loans allow for borrowers to have credit scores as low as 620, though better rates and terms are available at 700 and above. We evaluate the full profile of the property and borrower, not just the credit score.

Can I get a DSCR loan if I own multiple properties?

Absolutely. DSCR programs are designed for portfolio investors and allow you to qualify based on each property’s cash flow, not your overall debt-to-income ratio. Some lenders offer blanket loans or allow multiple properties to close simultaneously.

Do I need leases in place to qualify?

Not always. For purchases, lenders will often accept market rent estimates from an appraiser’s rental survey (Form 1007). For refinances, current leases help—but aren't always required.