Investor-focused financing for Austin rental properties with competitive rates, fast closings, and simplified investor-friendly qualification
Up to $2M+
Single to 8+ Units
20+ Lenders
From first-time investors to seasoned portfolio owners, we provide fast, flexible DSCR financing with simplified documentation requirements.
Austin DSCR loans are ideal for long-term rental properties, including 1–4 unit homes and small multi-family buildings.
Refinance your Austin rental property to lower payments or access equity with flexible terms
Flexible DSCR financing in Austin for multi-family rental properties with low rates, high LTVs, and investor-friendly terms
We provide fast, flexible DSCR loans for real estate investors in Austin and surrounding markets. Qualify based on your property's cash flow — not your personal income — and close quickly with a team that understands the Austin real estate market.
Close in as little as 7–14 days
Solutions built for real estate investors
Qualify using rental income (DSCR)
Austin market specialists who understand your needs
Austin continues to be one of the fastest-growing metro areas in the U.S., driven by job growth, population increases, and strong demand for rental properties.
2.3M+
Population
Austin MSA and growing
3.4%
Job Growth
Year over year in Austin MSA
51%
Rent vs. Own
Rental demand drives opportunity
Top 10
Fastest Growing City
Consistent ranking nationally
High
Demand for Rentals
Low inventory and high occupancy
Austin continues to stand out as one of the fastest-growing rental markets in Texas, driven by strong job growth, corporate expansion, and a steady influx of new residents relocating to the area. Popular surrounding communities like Round Rock, Cedar Park, Pflugerville, and Lakeway have also seen rising demand for rental housing as affordability and suburban growth continue to attract both tenants and real estate investors.
Read MoreThis section provides a complete checklist of the borrower requirements, property requirements, and documents needed for a DSCR loan in Austin with Crestmark Lending.
This Round Rock DSCR refinance helped an investor improve cash flow and secure more favorable loan terms on a single-family rental property. Located in one of Central Texas' fastest-growing communities, the property benefits from strong rental demand in the Round Rock area.
$719,300 Austin downtown area DSCR investor acquisition. Built in 1978 - this home has major upgrades like a new roof, water heater, electrical panel, sewer line, carpet, paint, and windows. Its great location offers easy access to 6th Street, Barton Springs, Lady Bird Lake, and downtown dining.
$744,600 Lakeway DSCR rental loan used for the acquisition of a rental property. This property is conveniently located near downtown Lakeway, offering easy access to boutique shops, restaurants, art galleries, and outdoor recreation around the Lakeway area.
Built exclusively for real estate investors, Crestmark Lending is a DSCR-focused mortgage broker serving Texas, delivering faster approvals, simplified underwriting, and access to dozens of national lenders for competitive DSCR rates.
We understand how investors evaluate deals and structure financing. That’s why we provide competitive pricing, flexible guidelines, and the speed needed to close with confidence, whether you’re acquiring your next rental or scaling a growing portfolio.
Work with a team focused on investor financing, responsive communication, and a smoother DSCR loan experience from application to closing.
Branch Manager
NMLS #2014728
Loan Officer
NMLS #313548
Loan Officer
NMLS #2692859
Sr. Loan Officer
NMLS #860825
Loan Officer
NMLS #1757471
Quick 21-day closings with expert DSCR support.
We compare 20+ DSCR lenders to secure the best rates and terms.
Solutions for lower DSCR, unique properties, and complex deals.
Austin DSCR loans allow real estate investors to qualify based on a property’s rental income instead of personal income or tax returns. Lenders compare the property’s expected rent to the monthly payment (PITIA) to calculate the Debt Service Coverage Ratio (DSCR). When the property’s cash flow supports the payment, financing may be approved. Crestmark Lending specializes in Austin DSCR loans, helping investors secure financing with streamlined documentation, competitive rates, and flexible lending solutions.
In most cases, you’ll need a credit score of 660 or higher and a DSCR ratio of at least 1.00 to qualify. A 1.00 DSCR means the property’s rental income covers the monthly housing payment. Some lenders offer more flexibility and may consider lower DSCR ratios if you have strong credit, significant reserves, or a larger down payment.
For most Austin DSCR loans, investors should expect a down payment between 20% and 25%. The amount required can vary based on the property, your credit profile, and the lender’s guidelines. Some lenders may offer lower down payment options for well-qualified borrowers. Crestmark Lending works with multiple DSCR lenders, helping Austin real estate investors compare programs, maximize leverage, and secure competitive financing for their rental properties.
Yes. DSCR loans are designed with real estate investors in mind and can often be closed in an LLC, corporation, or other business entity. This gives investors added flexibility when building a portfolio, while helping keep rental properties separate from personal assets. Many Austin real estate investors use LLCs for liability protection, easier bookkeeping, and long-term portfolio management.
DSCR Refinance
FAST PRE-QUALIFICATIONS • NO TAX RETURNS • LLC FRIENDLY
"*" indicates required fields
DSCR Purchase
FAST PRE-QUALIFICATIONS • NO TAX RETURNS • LLC FRIENDLY
"*" indicates required fields
