DSCR Lender Texas. Texas #1 DSCR Lender. Purchase, Refinance or Cash out refinance your investment property.
Up to 80% LTV.  Send us your loan scenario today! Close in 21 Days!

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No Income Investment Loan
Just use rental income to qualify!
No DTI Programs available
Interest Only terms available
30 and 40 year amortization options

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Cash out re-fiinance your investment
property to build you portfolio today!
Low Rates, High Leverage!
Minimal Documentation
Fast Close!

cash out refinance


Refinance and reap the benefits of passive income from your investment property.
No income or employment required!  Up to 40 year amortization,  Interest Only Options available.


No Income Investment Loan
Just use rental income to qualify!
No DTI Programs available
Interest Only terms available
30 and 40 year amortization options


Cash out re-fiinance your investment
property to build you portfolio today!
Low Rates, High Leverage!
Minimal Documentation
Fast Close


Refinance and reap the benefits of passive income
from your investment property.
No income or employment required!
Up to 40 year amortization
Interest Only Options!

The Premier rental property investment loan option for long term cash flowing properties, up to 80% LTV

For investors who have an existing short-term loan looking for an opportunity to streamline to a 30 or 40 year term.

Debt Service Coverage Ratio (DSCR Loan Texas) for non-owner-occupied rental investment properties is the way to go.

Benefits of DSCR Loans

  • No evidence of personal income required
  • Maximize cash flow with 30 and 40 year interest only programs
  • Cash out to continue buying
  • Fast Close!
  • No verification of employment

CambridgeHomeLoan.com is the #1 DSCR lender Texas!
Purchase, Refinance or Cash out Refinance Today!

What is Debt Service Coverage Ratio (DSCR)?

The Debt Service Coverage Ratio (DSCR) is the borrower’s capacity to service or repay the annual debt payment about the amount of Net Operating Income (NOI) generated by the asset. The higher the DSCR ratio, the more net operating income is available to repay the debt.

DSCR reveals if a real estate property is making enough money to cover the mortgage or not. When a real estate investor applies for a new loan or refinances an existing mortgage, lenders evaluate the debt service coverage ratio as one indicator to calculate the maximum loan amount.

DSCR Loan Texas: 
Debt Service Coverage Ratio:

The DSCR loan in Texas is designed for Real Estate Investors in Texas who are looking to qualify for a mortgage loan based on the cash flow generated by an investment property in Texas and Now Nationwide!!

A DSCR loan does not require tax returns, proof of income or employment information to qualify

dscr loan calculation

The #1 DSCR Lender Texas and now Nationwide!  From Fix and Flip Rental Refinance to Purchase, Cash Out and Construction Loans!!

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Taking the first step on the real estate road to passive income and wealth? A rental property loan at a great rate can give you the momentum you need to grow your real estate (Buy, Repair, Rent, Refinance, Repeat (BRRRR) business.

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Looking for a fix to flip or fix to rent bridge loan. Up to 90% of the purchase and 100% of the rehab. Closing 5-7 days!
Fix to Flip or Fix to Refi into a 30 or 40year DSCR loan and build your passive income.

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Looking to scale your real estate investment portfolio. Cash out and refinance into a 30 or 40 year loan.. Closing as fast as 21 days! Cash out for your next rehab project.

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Looking for a ground up construction loan? Are you a builder or investor building a spec house or a P.U.D.. Discuss your ground up scenario with us today. Fast Close Loans!


Debt Service Coverage Ratio (DSCR) Explained?

In order to determine a properties cash flow you will need to analyze your debt obligation or what is better know as a your debt service coverage ration or DSCR. 

This will help you determine if you are making money and if your current cash flow can cover your current loan or service your current debt.

In short, the Debt Service Coverage Ratio (DSCR) is the borrower’s ability to repay or service the debt payment or amount due monthly from the bank. The higher the Debt Service Coverage Ratio or DSCR, the more net operating income (aka NOI) is available to repay the debt and for profit..

DSCR lets you know if a real estate property is making enough money to cover the mortgage or not. 

Requirement to obtain a Debt Service Coverage Ratio (DSCR) Loan from a DSCR Lender Texas?

The only requirement for a DSCR investment loan in Texas is the assets ability to repay the debt on the loan. Typically a DSCR Loan lender in Texas will have a required ratio that needs to be met to qualify for the DSCR loan. 

 A 1x means that the cash flow of the property needs to cover 100% of the property expenses including the mortgage. Some lenders require the DSCR to cover 1.2 or 1.25 times. The higher this ratio the better for both the lender and the property owner. If your DSCR ratio is 1.2, than your properties cash flow covers 20% more than the properties expenses.

How to calculate your properties DSCR:


DSCR= NOI (Net operating income) -Expense
 Mortgage Payment 

Example: Income of $4000.00  Expenses $1,000.00, Mortgage Payment $2,000.00
Income – Expenses = $3,000.00 divided by $2,000 = $1.5%  DSCR ratio =1.5%
Anything over 1 means you are profitable. Under 1 means that there is not enough cash to cover your expenses.

Get pre-qualified for Investor Cash Flow Mortgage based on potential rental income

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No charge and no obligation to apply.

 * No tax returns required or income
 * No Income Requirement 

dscr loan

Who is the DSCR loan Good For?

DSCR loans are good for investors who do not want to provide employment information, paystubs, tax returns, W2s, etc. Ideal for self-employed borrowers with very complex incomes looking for an investment property, No income or employment required. It can also be a great option if you own several investment properties and say you have reached the traditional credit limit of ten.

  • Investors that do not wish to provide employment information (tax returns, payslips, W2, etc.)
  • If your investment strategy is to buy and hold real estate

What would be considered a Good DSCR Ratio?

A DSCR ratio of 1.00 indicates that the borrower will have enough cash flow from the subject property to pay the principal mortgage, interest, taxes and insurance. If the DSCR ratio is 1.25 or , the borrower can make loan payments with some extra room and pocket some extra profit. A percentage of 1.50 would provide even more breathing room for the borrower and so on. Additionally, Even though lenders typically would like a minimum DSCR ratio of 1 to process your DSCR loan we can go down to a .85 ratio.

Step By Step DSCR Loan Application Process

Step 1: Apply

Click on the link above and fill out the application.

Second Step: Submit Proof of Your Properties Income

As your creditworthiness is verified by the income you will generate from the property you are buying; you need to provide proof that your property can cover the mortgage payments. So, provide the needed documents to showcase your property’s income against the loan amount.

Third Step: DSCR Calculation and 1007 Rent Schedule

Once you submit the loan application, your lender will calculate the DSCR ratio, which must be greater than 1, to have your mortgage approved. Moreover, during the appraisal the lender will require a 1007 Rent Schedule to know the property’s fair market rent and ensure the property can sustain the mortgage with market rents.

Forth Step: Closing   -Funded

DSCR loans do not need information about your financial history; the application and closing procedure is considerably faster than those for other types of mortgage loan programs.

Once you are approved for the loan, you will be provided with the interest rate, monthly payment, and the closing costs. Once agreed, you will go through the underwriting process, sign the final documents and close the loan.

For more information contact the #1 DSCR Lender Texas, CambridgeHomeLoan.com (800.826.5077)

DSCR Loan Frequently Asked Questions:

Are DSCR Loans Expensive?

DSCR loans typically require a 20-25% down payment.


Is it hard to get a DSCR Loan?

Not at all! Approval for DSCR loans is easier because it depends on your property’s income rather than your financial situation.
DSCR loans are simpler to obtain, and the application procedure is more efficient and simplified. The criteria for DSCR loans are generally less stringent.

What type of property can I buy with a DSCR Loan?

The DSCR loan allows you to acquire a wide range of properties for various purposes, including short-term and long-term rental. You can buy a single family investment property, 1-4 Family or 5+ Multifamily.

How long is a DSCR loan?

DSCR loans are typically given for terms of anywhere from 5 to 25 years, with the most common being 15 or 20 years. The length of the loan will generally be determined by the lender based on factors such as the type of property being purchased and the projected cash flow of the business.


How can I improve my DSCR?

The easiest way to improve your DSCR is to invest more money, but you can also buy insurance, fight annual property taxes, and charge more rent. Allowing pets or including extra amenities like a washer and dryer are easy ways to increase your rent. Additionally, In order to improve your DSCR, you need to increase your net operating income or reduce your debt service payments.


How do I know if I’m eligible for a DSCR Loan?

To be eligible for a DSCR Loan, you must have strong credit and income. Most importantly, you’ll need to demonstrate that you can make your mortgage payments by providing proof of income from your rental property.


What is a no DSCR loan?

A no DSCR loan is a type of commercial loan that does not require the borrower to have a  DSCR of 1.0 or higher. This indicates that the borrower does not need to earn enough income to cover their monthly debt payments. No DSCR loans are typically used by businesses that are expanding or taking on new projects, as they may not have the income necessary to meet all their debt obligations.


What are the pros and cons of a DSCR loan?

• Easier to qualify than other investment property loans
• No personal income verification is required
• Flexible underwriting guidelines
• It can be used to finance properties with little or no rental history
• Higher interest rates and fees than conventional mortgages
• 20-25% down payment required
• Must provide proof of income from rental property to qualify
• Closing costs can be high for DSCR loans.

Overall, DSCR loans can make it easier to purchase investment properties and provide flexible financing options. Be sure to compare lenders and get the best rate available for your situation.


What does a DSCR ratio of 1.25% mean?

A DSCR of 1.25 means that there is sufficient cash flow to cover the loan payments and other debt obligations. Specifically, a DSCR of 1.25 indicates that for every $1.25 in annual loan payments, there is $1.00 of net income available to pay those debts after accounting for all operating expenses (including taxes and depreciation).

A DSCR of 1.25 is considered a good ratio by lenders, as it shows that the borrower has sufficient income to cover their loan payments. It also indicates that the borrower’s debt obligations are manageable. In general, lenders prefer to see a DSCR of at least 1.15 for conventional loans and 1.25 for investment properties.

Rental income: $150000, Expenses: $25000, Mortgage Payment: $100000
DSCR= $150K – $25K/ $100K
= $125K/$100K = 1.25

A higher DSCR is even better, as it shows the lender that the borrower has more than enough income to cover their loan payments.


Do you need good credit for a DSCR loan?

No, you do not need good credit for a DSCR loan. While your credit score is still important, it carries less weight when it comes to qualifying for a DSCR loan. This is because lenders will focus more on the rental income and expenses associated with the property in order to determine if the borrower can make their loan payments.


What is a DSCR for commercial loans?

The debt service coverage ratio (DSCR) for commercial loans is a measure of an entity’s ability to meet its debt obligations. It is calculated by dividing the net operating income (NOI) by the total loan payments per year. The higher the DSCR, the more cash flow there is available to make payments on the loan, and it is thus preferred by lenders.


What is the maximum DTI (Debt to income) for a DSCR loan?

The maximum debt-to-income (DTI) ratio for a DSCR loan is usually 45%. This means that the borrower must have income that is at least 45% lower than their total monthly debt payments.

In other words, if your total monthly debts are $2,000, then you’ll need to demonstrate at least $1,800 in monthly income to qualify for a DSCR loan.
While this is the general rule of thumb, lenders may have different requirements, so it’s best to check with your lender to see what their specific DTI requirements are. There are also other programs that require no DTI ratio.


How many DSCR loans can you have?

Generally, there is no limit on how many DSCR loans you can have. However, lenders will usually impose a maximum loan-to-value (LTV) ratio and/or total debt service coverage ratio (TDSCR) when determining the amount of money they are willing to lend out. It’s important for borrowers to work with lenders to ensure that their rental income and expenses align so that they can meet the loan terms.


Cash out refinance 80% of your properties current value.

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