No W-2. No Tax Returns.
Houston 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 Houston Rate →The economy runs on the Texas Medical Center, the energy and petrochemical complex, the Port of Houston, NASA Johnson Space Center, and Rice and the University of Houston. The rental stock is post-war ranches across a vast footprint, pre-war stock in the wards near downtown, and large-scale new construction in the suburbs.
Texas is non-judicial with a fast trustee sale. Houston has no zoning, which affects both what can be built and what comps mean. Flood mapping after Harvey is decisive — a property in or near the mapped floodplain carries an insurance line that can consume the DSCR cushion, and elevation certificates matter. Harris County property taxes are high and reassess quickly. Galveston is coastal with windstorm exposure.
Because the tax line is the swing factor here, run the DSCR with the actual current bill and the reassessed figure after purchase — in Houston they are frequently not the same number, and the lender will use the higher one.
Get a bindable insurance quote before you go under contract. In Houston the premium is large enough to move the ratio across the 1.0 line on its own.
Also see: Austin, TX →San Antonio, TX →Fix & Flip Loans in Houston →Corpus Christi, TX →Dallas, TX →El Paso, TX →Fort Worth, TX →Killeen, TX →
DSCR rental loans in Houston 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.
Houston is the 4th largest US city and the most diverse major metro in the country. The Texas Medical Center (largest in the world), energy sector, port infrastructure, and NASA drive employment across industries. Lower median prices than Dallas or Austin mean better cash flow for rental investors. Suburbs like Cypress, Katy, and Spring routinely deliver 8-10% rental 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 Houston metro including Cypress, Katy, Spring, Humble, and Sugar Land.
Illustrative examples of structures we finance — not specific funded loans. Terms depend on the borrower, property and capital source.
Houston rental properties typically need a DSCR of 1.10x to 1.25x to qualify. Higher DSCR unlocks better pricing. Properties in Cypress often qualify easily on gross rent alone.
Houston 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 Houston allow LLC borrowing with personal guarantees. Standard for asset protection.
Houston's 3.8% YoY appreciation makes cash-out refinancing attractive. Typical caps: 70-75% LTV. Use equity to acquire more Houston 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 Houston rental property's projected income — not your personal income. No W-2, no tax returns required.
Most Houston 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+. Houston rental yields average 7.5% making 1.20x achievable in most submarkets.
Yes. LendingStreet DSCR loans in Houston allow borrowing in an LLC with a personal guarantee.
Houston 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 Houston areas have STR restrictions — verify local rules.
DSCR loans in Houston 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 Houston 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.
Enough to decide it. Get a bindable quote before contract; the premium can move the ratio across 1.0 on its own.
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.
No credit pull. No commitment. Speak with a licensed financing company with direct access to 30+ capital sources.
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