Qualify Based on Property Cash Flow — Not Personal Income
At Crestmark Lending, DSCR financing is our specialty. We work exclusively with real estate investors across Texas, structuring loans around rental property cash flow—not personal income or traditional DTI requirements. Our streamlined process delivers the speed, flexibility, and clarity investors need to scale with confidence.
Why Crestmark DSCR Financing Is Different —
Unlike traditional lenders, Crestmark focuses solely on DSCR loans for investors, offering flexible guidelines, simplified documentation, and fast, predictable approvals for purchases and refinances.
Crestmark Lending specializes in DSCR financing for Texas investors, offering faster approvals, streamlined underwriting, and access to dozens of national DSCR lenders. We deliver the pricing and speed needed to grow rental portfolios across Texas.
Designed for long-term rentals with 1–4 units and small multifamily income producing properties
Refinance your property to reduce payments or easily access equity for future investments
Flexible DSCR loan programs for multi-family properties—low rates, LTVs, and favorable terms
LLC-owned investment properties, qualified by rental cash flow strength and performance
DSCR financing for rental property upgrades, rehab projects and renovations
DSCR new construction loans for build-to-rent financing with long-term DSCR takeout options
High-balance financing for larger rentals and experienced portfolio investors
Crestmark Lending works with over 20 DSCR lenders to help you find competitive pricing, flexible guidelines, and the right loan structure for your investment strategy.
Texas real estate investors trust Crestmark for fast closings and dependable, investor-focused service.
Our goal is to close every loan in 21 days or less through a streamlined process from application to closing.
Lowest possible rates because we compare over 20+ lenders across multiple wholesale DSCR programs
Flexible underwriting designed for unique property types and diverse investor profiles, delivering stronger approval odds and more options for complex scenarios.
Whether you’re entering the rental market or expanding a portfolio, our Texas DSCR loans offer fast approvals with minimal documentation.
Crestmark Lending is the home of Texas DSCR loan specialists. We deliver fast approvals and investor-focused DSCR financing from specialists who understand your goals.
Production Manager
NMLS #2004549
Operations Manager
Sr. Loan Officer
NMLS# 2692859
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NMLS #2014728
Sr. Loan Officer
NMLS #1757471
Texas DSCR loans are an investor-focused mortgage that qualifies based on a property’s rental income rather than personal income or tax returns. Lenders compare rental income to the monthly PITIA payment to calculate the Debt Service Coverage Ratio. If the income covers the payment, the property may qualify.
In Texas, most DSCR lenders require a minimum credit score of 660 and a DSCR ratio of 1.00 or higher, meaning the rental income covers the monthly payment. Some Texas lenders may allow lower DSCR ratios—including below 1.0—with stronger credit, higher reserves, or pricing adjustments.
Yes. In Texas, DSCR loans are designed specifically for real estate investors and can be closed in an LLC, corporation, or other business entity. This structure helps investors separate liability, maintain clean bookkeeping, and manage multiple rental properties under a single entity.
DSCR refinance loans allow real estate investors to refinance rental properties based on cash flow—not personal income. Learn how DSCR
DSCR loans make it easier to finance Airbnb and short-term rental properties by qualifying based on rental income — not
Learn what a DSCR loan is, how debt service coverage ratios work, and why real estate investors use DSCR loans
