Loan Program
Investment Property Loans
Purchase and portfolio strategies for Texas real estate investors.
Overview
Investment-property loans finance 1-4 unit rentals held as pure business assets — long-term rentals, short-term rentals, and small multifamily. We match your goals to the right structure: Conventional (for personal-name financing with the best rate), DSCR (for LLC purchases without personal income docs), or portfolio (for scale).
Who it's for
- First-time investors
- Landlords building a portfolio
- Airbnb / STR operators
- Investors buying in a Texas LLC
Benefits
- 1-4 unit financing
- LLC or personal-name closing
- Portfolio-friendly — no cap on financed properties on DSCR
- Long-term and short-term rental strategies
Common Questions
How much down do I need?
Typically 20-25% for 1-unit and 25-30% for 2-4 units, depending on program and credit.
Can I use future rent to qualify?
Conventional lets us use 75% of a market-rent appraisal or lease. DSCR uses actual or market rent to compute coverage ratio.
Are short-term rentals financeable?
Yes — via DSCR using AirDNA projections or STR history, or Conventional using long-term market rents even if you plan to run STR.