No W-2. No Tax Returns.
Austin real estate investors: finance rental properties using the property's income — not your personal income. 30-year fixed terms. 620+ credit. LLC borrowing. Close in 14-21 days.
Check My Austin Rate →The economy runs on the University of Texas, the state government, Tesla, Apple, Dell, Samsung, Oracle and the tech cluster, plus Ascension Seton and St. David's. The rental stock is post-war ranches across the east and north, high-basis pre-war stock in the central neighborhoods, and large-scale new construction in the suburbs.
Texas is non-judicial with a fast trustee sale. Austin runs at the highest basis in Texas, which compresses DSCR — the same rent that works in San Antonio often does not here. Travis County property taxes reassess aggressively and the tax line breaks more Austin ratios than the rate does. The suburbs in Williamson and Hays counties price differently from the city.
Because the tax line is the swing factor here, run the DSCR with the actual current bill and the reassessed figure after purchase — in Austin they are frequently not the same number, and the lender will use the higher one.
Also see: Houston, TX →San Antonio, TX →Fix & Flip Loans in Austin →Corpus Christi, TX →Dallas, TX →El Paso, TX →Fort Worth, TX →Killeen, TX →
DSCR rental loans in Austin qualify based on the property's rental income, not your W-2 or tax returns. Min credit 620, max 80% LTV purchase / 75% cash-out, 30-year fixed terms, LLC borrowing allowed, close in 14-21 days.
LendingStreet has structured $4.36B+ across 8,196 deals nationwide. NMLS #1734316 · 30+ capital sources · 50 states.
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.
We finance rentals and projects throughout the metro. The loan is underwritten on the property, its rent or after-repair value and your experience — not on the neighborhood name.
We also fund investments throughout the greater Austin metro including Round Rock, Cedar Park, Pflugerville, Leander, and Georgetown.
Illustrative examples of structures we finance — not specific funded loans. Terms depend on the borrower, property and capital source.
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.
From our loan records, all products. Borrower names and addresses withheld.
Source: LendingStreet loan records (Pipedrive), September 30, 2026. Borrower names and property addresses withheld; loan amounts shown as recorded. Terms are set by the capital source and vary by borrower, property and program.
How the numbers work: see a worked DSCR calculation or run your own in the DSCR calculator.
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 through our capital sources start at a 620 credit score. Higher scores improve leverage and pricing.
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.
DSCR loans in Austin start at $150K with no maximum loan amount — larger loans are placed with jumbo DSCR sources in our network.
Yes. Rate-and-term refis and cash-out refis are available on Austin rentals. Cash-out caps at 70-75% LTV.
Almost always the tax line. The lender uses the reassessed bill after purchase, which is often higher than the seller's current bill.
It affects the lender's side. A faster recovery timeline widens the pool of sources comfortable writing there; a slower one makes some conservative on leverage.
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