Austin real estate investors: finance rental properties using the property's income — not your personal income. 30-year fixed terms. 660+ credit. LLC borrowing. Close in 10 days.
Check My Austin Rate →Austin's tech migration reshaped the market permanently. Tesla HQ, Apple's $1B campus, Oracle, Meta, Google, and a constant inflow of California founders keep demand high. Higher entry prices compress cash flow, but appreciation has averaged 8-12% annually for the past decade. Premium suburbs like Round Rock and Cedar Park offer better yields.
Active investor market with strong rental demand and dscr activity.
Active investor market with strong rental demand and dscr activity.
Active investor market with strong rental demand and dscr activity.
Active investor market with strong rental demand and dscr activity.
Active investor market with strong rental demand and dscr activity.
We also fund investments throughout the greater Austin metro including Round Rock, Cedar Park, Pflugerville, Leander, and Georgetown.
Austin rental properties typically need a DSCR of 1.10x to 1.25x to qualify. Higher DSCR unlocks better pricing. Properties in Round Rock often qualify easily on gross rent alone.
Austin markets favor SFR, 2-4 unit multifamily, and small apartment buildings. Some lenders impose condo restrictions. STRs require DSCR programs that accept projected revenue.
All LendingStreet DSCR programs in Austin allow LLC borrowing with personal guarantees. Standard for asset protection.
Austin's 5.8% YoY appreciation makes cash-out refinancing attractive. Typical caps: 70-75% LTV. Use equity to acquire more Austin properties.
Yes. DSCR loans qualify based on the Austin rental property's projected income — not your personal income. No W-2, no tax returns required.
Most Austin DSCR programs require a minimum 660 credit score. Some programs allow 640 with compensating factors.
Most lenders require a minimum DSCR of 1.00x. Better pricing kicks in at 1.20x+. Austin rental yields average 5.9% making 1.20x achievable in most submarkets.
Yes. LendingStreet DSCR loans in Austin allow borrowing in an LLC with a personal guarantee.
Austin DSCR loans typically close in 14-21 days from complete application. Well-prepared borrowers can close in 10-14 days.
Yes. STR-specific DSCR programs qualify based on projected short-term rental revenue. Some Austin areas have STR restrictions — verify local rules.
Standard DSCR loans in Austin go up to $5M. Jumbo DSCR programs extend to $10M+ for qualified borrowers.
Yes. Rate-and-term refis and cash-out refis are available on Austin rentals. Cash-out caps at 70-75% LTV.
No credit pull. No commitment. Speak with a licensed financing firm that knows the Texas investor market.
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