Texas DSCR Mortgage Rates
Today’s Texas DSCR loan rates for rental property purchases, refinancing, and cash-out options
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Today’s DSCR Rates
View today's Texas DSCR loan and refinance rates for rental properties, LLC borrowers, and real estate investors.
Single-Family Rental
Competitive pricing for long-term rental investment properties across Texas.
Short-Term Rental
Flexible financing options for Airbnb, VRBO, and vacation rental properties.
2–4 Unit Property
Investor loan solutions for duplexes, triplexes, and fourplex properties.
LLC / Entity Borrower
DSCR financing options available for LLC and entity-owned investment properties.
Rate & Term Refinance
Refinance to improve loan structure, monthly payment, or long-term cash flow.
Cash-Out Refinance
Access investment property equity to support renovations or future acquisitions.
Speak With a DSCR Loan Specialist
Get current Texas DSCR loan rates, refinance options, and investor financing guidance based on your property type, cash flow, and investment scenario.
Texas DSCR Rates & Lending Guidelines
DSCR rates in Texas can vary based on several factors, including credit score, DSCR ratio, loan amount, loan-to-value, property type, rental strategy, reserve requirements, and overall investor experience. Borrowers with stronger cash flow, lower leverage, higher credit scores, and stabilized rental properties may qualify for more competitive pricing and terms.
At Lone Star Financing, we help Texas real estate investors compare DSCR loan options for long-term rentals, short-term rentals, LLC-owned properties, cash-out refinances, and portfolio growth strategies. Our team helps structure DSCR financing around your property type, cash flow, and long-term investment goals.
Investors can also use our DSCR Loan Calculator → to estimate monthly payments, rental income, cash flow, and refinance scenarios.
DSCR loan rates and terms vary by borrower qualifications, property type, loan scenario, and market conditions. Review our Texas DSCR loan guidelines for requirements and loan program eligibility. All loans are subject to credit approval, underwriting, and property eligibility requirements.
DSCR Refinance
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DSCR Purchase
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Mortgage Rate Assumptions
* Rates shown assume a purchase transaction.
* Annual Percentage Rate (APR) calculations assume a purchase transaction of a single-family, detached, owner-occupied primary residence; a loan-to-value ratio of less than 80% for conventional loans; a minimum FICO score of 740; and a loan amount of $300,000 for conforming loans, unless otherwise specified.
* Annual Percentage Rate (APR) calculations assume a purchase transaction.
* Rates may be higher for loan amounts under $300,000. Please call for details.
* Rates are subject to change without notice.
* Closing Costs assume that borrower will escrow monthly property tax and insurance payments.
* Subject to underwriter approval; not all applicants will be approved.
* Fees and charges apply.
* Payments do not include taxes and insurance.
* Assumes – 30 Day Rate Lock.
* Rates based on Texas property.
* Mortgage insurance is not included in the payment quoted. Mortgage insurance will be required for all FHA, VA and USDA loans as well as conventional loans where the loan to value is greater than 80%.
* Restrictions may apply.
* Lender Fees & Appraisal Fees may apply