Houston 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 Houston Rate →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.
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 Houston metro including Cypress, Katy, Spring, Humble, and Sugar Land.
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.
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 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+. 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.
Standard DSCR loans in Houston 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 Houston 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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