San Antonio 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 San Antonio Rate →San Antonio offers the best price-to-yield ratio among major Texas metros. Military bases (Lackland, Randolph, Fort Sam Houston), USAA, South Texas Medical Center, and Toyota provide massive employment stability. Median prices under $275K with 8%+ rental yields make it a cash-flow investor favorite. Lower appreciation than Austin, but far more predictable.
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 San Antonio metro including Schertz, Cibolo, Converse, Universal City, and Boerne.
San Antonio rental properties typically need a DSCR of 1.10x to 1.25x to qualify. Higher DSCR unlocks better pricing. Properties in Schertz often qualify easily on gross rent alone.
San Antonio 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 San Antonio allow LLC borrowing with personal guarantees. Standard for asset protection.
San Antonio's 4.1% YoY appreciation makes cash-out refinancing attractive. Typical caps: 70-75% LTV. Use equity to acquire more San Antonio properties.
Yes. DSCR loans qualify based on the San Antonio rental property's projected income — not your personal income. No W-2, no tax returns required.
Most San Antonio 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+. San Antonio rental yields average 7.8% making 1.20x achievable in most submarkets.
Yes. LendingStreet DSCR loans in San Antonio allow borrowing in an LLC with a personal guarantee.
San Antonio 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 San Antonio areas have STR restrictions — verify local rules.
Standard DSCR loans in San Antonio 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 San Antonio 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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