• Up To 80% Cash Out 
  • Closing in 14 Days!
  • Single Family, Multi-Family, Condo’s, Townhomes
  • Commercial Real Estate.


Embark on a journey of financial success in the bustling Texas real estate market with CambridgeHomeLoan.com as your dedicated DSCR lender Texas. Our expertise in Debt Service Coverage Ratio (DSCR LOAN) financing sets us apart as the ideal partner for real estate investors seeking tailored solutions in Texas. Understanding the intricacies of the Texas real estate landscape, we offer a perfected approach to lending that aligns with your unique needs. Whether you’re a seasoned investor or a newcomer to the market, our commitment to excellence ensures that your investment thrives. Explore the perfect blend of financial expertise and personalized support with CambridgeHomeLoan.com, your trusted DSCR lender Texas. Let’s turn your property aspirations into prosperous realities.

DSCR Lender Texas. Texas’s Best and Fastest DSCR Loan Lender.
Purchase, Refinance or Cash out refinance your investment property. Up to 85% LTV.
Send us your DSCR loan scenario today! Close in 21 Days!

fix and flip home loans


DSCR Lender Texas Purchase Loan

  • Up TO 85% LTV
  • No Income Investment Loan
  • Just use rental income to qualify!
  • Interest Only terms available
  • 30 and 40 year amortization options
cash out refinance


DSCR Cash out Re-finance Loan

  • Up To 80% Cash Out
  • Build you portfolio today!
  • Low Rates, High Leverage!
  • Minimal Documentation
  • Fast Close!
cash out refinance


DSCR Loan Texas

  • Up To 85% LTV
  • Refinance and reap the benefits.
  • No income or employment required! 
  • Up to 40 year amortization, 
  • Interest Only Options available.

The Premier DSCR Loan Texas Lender.

Rental property investment loan option for long term cash flowing properties, up to 85% 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 Loan in Texas

  • 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 best DSCR loan lender in Texas! Purchase, Refinance or Cash out Refinance Today!

The Best DSCR Loan Lender in Texas and now serving Nationwide! From Fix and Flip Rental Refinance to Purchase, Cash Out and Construction Loans!!

dscr loan program


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 Texas real estate (Buy, Repair, Rent, Refinance, Repeat (BRRRR) business.

fix and flip loan programs


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.

rental loan


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.

construction loan


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!

Requirement: How to obtain a Debt Service Coverage Ratio (DSCR) Loan from the best DSCR Loan Lender in 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 Investors can calculate their properties DSCR (Debt Service Coverage Ratio) on their investment Loan In Texas:

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

Example: If The Income is $4000.00  Minus Expenses are $1,000.00=$3,000
 Mortgage Payment $2,000.00 divided by $2,000 (the mortgage payment principal and interest) = $1.5% or a  DSCR ratio =1.5% Anything over 1 means you are profitable.
Under 1 means that there is not enough cash to cover your expenses.
Step By Step Texas DSCR Loan Application Process

 Step 1: Apply using the DSCR Lender Texas Loan Application Link Above

Second Step: Submit Your Documents

Company formation documents, operating agreement, 2 months of bank statements and a copy of the leases if any.

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 .85, 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 your DSCR Loan in Texas 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 best DSCR Lender in Texas at 800-826-5077

DSCR Loan Texas FAQ’s

Generally there are no limits to how many DSCR Loans you can have at one time in Texas. Each lender typically has their own requirements. At CambridgeHomeLoan.com you are only limited by the financial health of the borrower.

Yes, DSCR can be improved by increasing a property’s net operating income (e.g., by raising rents or reducing expenses) or by reducing the debt service (e.g., refinancing at a lower interest rate). Property owners can also enhance the DSCR by using surplus income to pay down the principal on the debt and by creating additional streams of income like laundry, parking and storage income.

DSCR Loan Texas is calculated by dividing a property’s net operating income (NOI) by its annual debt service. The formula is typically: DSCR = NOI / Debt Service, where NOI is the income generated by the property, and Debt Service includes both principal and interest payments on the property’s debt.

DSCR stands for Debt Service Coverage Ratio. It is a financial ratio that measures a borrower’s ability to cover their debt payments, including principal and interest, with their net operating income. DSCR is a critical factor in assessing the risk associated with lending or investing in real estate.

The DSCR loan Texas allows you to acquire various property types including single family residences, multifamily, office and industrial properties

Although a DSCR loan focuses primarily on the cash flow of the asset there are minimum FICO requirements that change depending on the market. The FICO score can be lower in many cases if the down payment is higher. 

The best way to get started with a DSCR Lender Texas is to first fill out a DSCR Loan application . Once the application is submitted you will be asked to submit due diligence. Company formation documents, 2 months bank statements, a lease if available and a copy of your drivers license. Your loan processor will contact you to help with your documentation and through closing.

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 no DSCR loan Texas is a DSCR Loan that does not require the borrower to have a  DSCR of 1.0 or higher. Another words,  the borrower does not need to be bringing in enough income to cover their monthly debt payments. A No DSCR loan is typically used by investors that are expanding or taking on new projects, rehab projects and value add properties, as they may not have the income currently necessary to meet all their debt obligations.

Investors can calculate the cash-out on their next refinance by first assessing the current property value and comparing it to the remaining mortgage balance. By subtracting the mortgage balance from the property value, investors can determine the potential cash-out amount. Additionally, factoring in any closing costs or fees associated with the refinance process will give a more accurate calculation of the final cash-out amount available to investors.

Take the sale price of the property and subtract any selling expenses (such as real estate commissions). Once both the cost of the property investment and income from the sale have been determined, ROI can be calculated by taking the income from the sale and dividing it by the cost of investment. You can find an ROI calculator here..https://remetrics.io/learn/how-to-calculate-roi-on-a-real-estate-flip

For single family homes, townhomes, condominiums, and 2 to 100 unit properties in Texas, the loan amounts typically range from $75,000 to $250,000,000 or more. The interest rates for these properties start at 5.99%.


CambridgeHomeLoan.com in Texas offers short, medium and long term rental loans specifically tailored to single family homes, tow to four unit multifamily and 5+ commercial properties nationwide. CambridgeHomeLoan.com provides long term debt service coverage ratio (DSCR) rental loans to cater to the needs of those looking to grow their investments in Texas rental properties.


The main advantages of a DSCR Loan Texas include the ability to tap into the vast population of 29.5 million residents concentrated in major cities, making it easier for investors to find stable rental income.

Texas’s $37 billion tourism industry also presents lucrative opportunities for short-term rentals. Additionally, DSCR loans allow investors to qualify for multiple properties, enabling them to diversify their investment portfolio by spreading it across different cities or within the same city.

The streamlined qualification process of DSCR loans, which does not require W2’s or proof of income, ensures quicker approval, making it ideal for investors looking to enter the Texas market promptly. Moreover, the flexibility in repayment options, such as adjustable-rate, fixed-rate, or interest-only mortgages, offers borrowers the freedom to manage their debt in a way that best suits their financial strategy.


Texas DSCR Loans with CambridgeHomeLoan.com allow financing for Single Family, condo’s, townhomes, multifamily, retail, mixed use, vacation rentals and other commercial real estate assets. To quote your latest project fill out a rental loan application here!

CambridgeHomeLoan.com can lend up to 75% of the as repaired value of your real estate asset.

What are the fixed loan term options available for CambridgeHomeLoan.com’s DSCR loans (1yr, 3, 5, 7, or 10 years, 30 and even 40 years. These can also be principal and interest or interest only.

Yes, Foreign Nationals are able to apply for DSCR Loans in Texas.

The main advantages of a a DSCR Loan from the number one DSCR Lender Texas include the ability to tap into the vast population of 29.5 million residents concentrated in major cities, making it easier for investors to find stable rental income. Texas’s $37 billion tourism industry also presents lucrative opportunities for short-term rentals. Additionally, DSCR loans allow investors to qualify for multiple properties, enabling them to diversify their investment portfolio by spreading it across different cities or within the same city. The streamlined qualification process of DSCR loans, which does not require tax returns, W2’s or proof of income, ensures faster approval, making it ideal for investors looking to enter the Texas market promptly.

Best Areas for Real Estate Investors to Build a Real Estate Rental Inventory in Texas?

Texas, with its diverse economy and growing population, offers numerous opportunities for real estate investors looking to build a rental inventory. Here are ten of the best areas in Texas for real estate investment with a focus on building a robust rental portfolio:

  • Austin: Austin consistently ranks as one of the fastest-growing cities in the U.S., driven by its thriving tech industry and vibrant culture. The demand for rental properties remains high, especially in areas close to the city center and major employment hubs.

  • Dallas: Dallas is a major economic and business hub, attracting a steady influx of residents. Investing in rental properties in neighborhoods with good schools and access to amenities can yield strong returns.

  • Houston: Houston’s diverse economy, led by energy, healthcare, and aerospace industries, provides stability for real estate investors. Suburban areas in Houston, known for their family-friendly environments, are ideal for building a rental inventory.

  • San Antonio: San Antonio offers a mix of historic charm and modern amenities, attracting a diverse population. Investing in rental properties in neighborhoods with proximity to military bases, major employers, and cultural attractions can be lucrative.
  • Fort Worth: Fort Worth, part of the Dallas-Fort Worth metroplex, has experienced significant growth in recent years. Areas with a strong job market and a lower cost of living are prime for building a rental portfolio.

  • Plano: A suburb of Dallas, Plano is known for its excellent schools and family-friendly atmosphere. Rental properties in Plano, especially those catering to families and young professionals, can be lucrative.

  • Irving: Irving’s strategic location between Dallas and Fort Worth makes it a desirable area for renters. Proximity to major highways, airports, and corporate offices enhances the appeal for potential tenants.

  • McKinney: McKinney, one of the fastest-growing cities in the U.S., offers a blend of suburban charm and economic growth. Investing in rental properties with the top DSCR Lender Texas can help you achieve your rental portfolio goals. McKinney’s a well-planned communities can provide a stable income stream for Texas real estate investors.

  • Round Rock: Located near Austin, Round Rock is known for its strong job market and quality schools. The city’s population growth makes it an attractive option for building a rental inventory.

  • Sugar Land: As a suburb of Houston, Sugar Land is known for its affluent communities and top-rated schools. Rental properties in Sugar Land, particularly those catering to professionals and families, can yield favorable returns.

When considering investment in Rental market of Texas, it’s crucial to understand the unique characteristics of each area. Additionally, consulting with CambridgeHomeLoan.com can provide more insights of Texas rental market. 

Cash out refinance 80% of your properties current value.

UP to 85% for Purchases and Rate and Term Refinance

BRRRR Method Friendly. No seasoning period required!

The #1 Rated DSCR Lender Texas Since 1998!



Providing real estate loans in Texas since 1998. Offering financing on most things real estate related from Fix and Flip Loans, construction loans to DSCR Real Estate Rental Loans and structured financing on Single-Family, Multi-Family, Ground up construction and value added assets nationwide. CambridgeHomeLoan.com offers 100% construction financing, loan-to-after-repair-value ratios of up to 85%, and terms typically spanning 12-24 months. Loan amounts range from $75,000 to $25 million, with a minimum required FICO score of 600. CambridgeHomeLoan.com not only provides direct loans they also provide family office financing, insurance financing and government loans to help their clients and investors manage all of their real estate projects. Up to 95% LTC on Fix and Flip Loans and 80% Cash out for 30 and 40 year loans.

A national mortgage lender known for specializing in fast close hard money loans for Fix and Flip, Bridge Loans and hard-to-find loan types, including VA Home loans, bank statement loans for self-employed individuals, Foreign National and DSCR loans for real estate investors. 

LenderFi.Co operates in 47 states and are currently in a phase of rapid expansion. LenderFi.Co offerings include no income or job history verification requirements, loan amounts of up to $250 million, a minimum down payment of 5% on certain loan types, and the option for interest-only payments. Investors can benefit from eligibility for both long-term and short-term rentals, and depending on the loan type, there may be no reserve required for cash out loans.