🏢 DSCR Loans for Texas
Finance Your Commercial Property Based on Cash Flow, Not Credit
If you're a commercial real estate investor in Texas looking to finance a property based on its income—not your personal income or credit—then a DSCR loan may be the perfect solution. DSCR loans are increasingly popular among buy-and-hold investors, especially for multifamily, office, or retail buildings with steady rental income.
💰 What is a DSCR Loan?
DSCR stands for Debt Service Coverage Ratio. These loans are approved based on the property's ability to generate enough income to cover the loan payments—not the borrower's credit or tax returns. The lender looks at rental income and operating expenses to determine if the property "services" its debt.
A DSCR of 1.25 means the property generates 25% more income than needed to cover the debt.
🚀 Why Choose a DSCR Loan in Texas?
Get approved in 30 days or less with minimal documentation required.
Ideal for self-employed or asset-rich investors who want to avoid tax return scrutiny.
Qualification based on property cash flow, not personal income or credit score.
Fixed-rate and interest-only payment options available for your strategy.
🏢 What Types of Properties Qualify?
Most income-producing commercial properties in Texas can qualify for DSCR loans:
Apartment complexes with 5+ units that generate consistent rental income.
Commercial office spaces with long-term tenants and stable lease agreements.
Strip centers, shopping plazas, and standalone retail buildings with active tenants.
Properties combining residential and commercial spaces for diversified income.
📊 DSCR Loans vs. Traditional Commercial Loans
| Feature | DSCR Loans | Traditional Loans |
|---|---|---|
| Documentation | Minimal - Property income focus | Extensive - Tax returns, financials |
| Approval Time | 30 days or less | 60-90 days |
| Credit Requirements | Flexible - Property income priority | Strict credit score requirements |
| Income Verification | Property cash flow only | Personal income verification |
| Best For | Investors with multiple properties | Traditional borrowers |
Ready to Get Started?
Don't let paperwork slow you down. Discover the speed and simplicity of DSCR loans with expert guidance from our Texas-based commercial lending team.
Get a Free Consultation & QuoteWork With Local Experts in Texas
At Commercial Loans of Texas, we specialize in DSCR loans designed for Texas real estate investors. Whether you're purchasing or refinancing, we help you leverage income-generating assets without the paperwork burden of traditional underwriting.
Explore other flexible financing options:
- Bridge Loans - Fast financing for time-sensitive opportunities
- Cash-Out Refinance - Unlock equity for your next investment