Texas Real Estate Investors May Qualify Based on What the Property Earns, Not What They Make

Sean works with DSCR programs that qualify the deal, not the borrower. No W-2s. No tax returns. No personal income documentation required.

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What is a DSCR Loan?

If the Property Cash Flows, You May Qualify

DSCR stands for Debt Service Coverage Ratio. If the property's expected rental income covers the mortgage payment, you may qualify for financing without any personal income documentation. No tax returns, no W-2s, and no DTI calculations based on your personal income.

Sean pulls a market rent analysis for your property, calculates the ratio, and tells you where you stand before you commit to anything.

See Where Your Deal Stands

Estimate Your DSCR Ratio

Enter your expected monthly rent and estimated mortgage payment to see your estimated DSCR ratio. A ratio of 1.0 or above generally means the rental income covers the payment. Most programs prefer 1.0 to 1.25 or higher.

DSCR Calculator
Investment Property Tool

DSCR Ratio Estimator

Enter your property details to estimate your debt service coverage ratio. See how different scenarios affect your qualification.

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1.25+ — Strong approval odds
1.00–1.24 — May qualify, review needed
Below 1.0 — Property is cash-flow negative

Results are estimates only. Actual qualification depends on credit, property type, state, and lender guidelines.