Real Estate Investment Loan Insight

If you're financing an investment property in 2026, you typically have two main options: • A traditional conventional mortgage • A DSCR loan They are built very differently. Understanding the difference can determine whether your deal closes — or stalls. Let’s break it down clearly. The Core Difference A conventional mortgage  qualifies you based on: Personal income Debt-to-income ratio (DTI) Tax returns W-2s or business documentation A DSCR loan  qualifies you based on: Prop

One of the most common questions investors ask is: How much do you need down for a DSCR loan? The answer depends on credit, property type, and risk profile — but most investors should expect to bring 20–25% down. Let’s break it down clearly. What Is the Typical Down Payment for a DSCR Loan? Most DSCR loan programs require: 20% to 25% down 75–80% maximum loan-to-value (LTV) Stronger borrower profiles may qualify at higher leverage, while lower credit scores typically require m

Texas continues to be one of the strongest rental markets in the country. From Dallas and Houston to Austin and San Antonio, investors are using DSCR loans to scale portfolios without traditional income documentation. But how exactly do you qualify for a DSCR loan in Texas ? Let’s break it down. What Is a DSCR Loan? A DSCR (Debt Service Coverage Ratio) loan allows real estate investors to qualify based on property cash flow — not personal W2 income. Instead of verifying tax r

One of the biggest advantages of a DSCR loan is that qualification is based on the property’s income — not your personal tax returns. But what if the property isn’t rented yet? Can you still qualify using projected rent? In many cases, yes — but it depends on how that rent is calculated and supported. Let’s break it down. How DSCR Qualification Works DSCR stands for Debt Service Coverage Ratio. Lenders compare: Gross rental income divided by Total monthly debt obligation If t

Introduction If you're investing in rental property, you’ve probably heard that DSCR loans don’t require traditional income documentation. That’s true — but your credit score still matters. One of the most common questions investors ask is: What credit score do I actually need to qualify for a DSCR loan? Let’s break it down clearly so you know what to expect before applying. What Is the Minimum Credit Score for a DSCR Loan? Most DSCR loan programs start at a 640 minimum credi