Investment property financing for Texas investors.
DSCR loans, rental-property financing, short-term rentals, cash-out refinances and LLC scenarios — structured around the asset, not just a W-2.
Build the portfolio without fighting the guidelines.
Most agency underwriting was designed around salaried employment. Real estate investors rarely fit that shape — depreciation, write-offs, entity ownership and multiple financed properties all complicate a traditional file.
Investor programs approach it differently. A DSCR loan looks primarily at whether the property's qualifying rental income supports its housing expense. Non-QM investor programs can consider assets, alternative documentation, or business cash flow. Eligibility, documentation, reserves, rates and terms vary by lender and program.
My job is to map your scenario — property type, market, entity, experience, exit — to the structure that actually fits it, then keep the file moving.
Common investor scenarios.
Rental property purchases
Long-term single family and 2–4 unit acquisitions where the property's qualifying rent carries the payment.
Portfolio expansion
Investors adding doors who need a documentation path that doesn't stall out on tax returns.
Short-term rentals
STR financing where the program and market allow, using documented rental performance.
Cash-out refinances
Repositioning equity in an existing Texas rental toward the next acquisition or improvements.
LLC ownership scenarios
Many investor programs allow title and closing in an LLC or other entity, subject to guidelines.
Non-QM investment loans
Alternative-documentation structures for investors whose personal income doesn't reflect their balance sheet.
Investor financing across the state.
Rent-to-expense math changes market by market — Houston MUD taxes, DFW appreciation, Austin STR rules, San Antonio cash flow. Start with your market page, then send the scenario.
Send me the property. I'll send back the strategy.
A boutique client experience, backed by a national lending platform.
- · Licensed across Texas
- · Broad portfolio of loan solutions
- · Experienced lending & operations team
- · Professional service from application through closing