Direct answers. Not a rate sheet and not a program matrix.
What is a DSCR loan for Texas investors?
A DSCR loan for a Texas investor is a business-purpose, non-owner-occupied file that desks the property’s rental income against PITIA — not a W-2 or personal DTI story.
This desk packages and shops that file to capital sources. We are a broker, not a lender. See what DSCR is for the ratio. Typical overlays live on requirements. Nothing on this page is a program matrix.
Are Texas DSCR loans business-purpose and non-owner-occupied only?
Yes. This desk only shops business-purpose / non-owner-occupied files. A Texas primary residence or a consumer vacation-home story does not belong here.
Occupancy is the first filter. If you stay in the property, say so on the 30-minute call — do not force the deal into a DSCR box.
Can a Texas DSCR loan close in an LLC or in a personal name?
Often either, at a high level. Many business-purpose investor files vest in an LLC; some capital sources will also look at an individual vest when the use is investment. This is not legal advice.
What stalls a file is a mismatch between title, the entity documents, and who is signing. Formation, operating agreement, EIN, and how title will read at close have to line up. See LLC and entity title. We are not your formation attorney.
Can Texas Airbnb and short-term rentals use a DSCR loan?
Yes, when the property is non-owner-occupied and the use is business-purpose. A Texas short-term rental can still be an investor file.
The desk questions are how income is documented and whether local or HOA rules allow the use. The STR landing and the calculator are the next step — occupancy starts on STR. We do not invent a nightly rate.
Does this desk hold a Texas mortgage license?
No. GI Realty LLC is a California real estate broker (CA DRE). This site does not claim a Texas residential mortgage license.
The desk shops business-purpose files in states where capital sources do not require a residential mortgage license, and Texas is one of those concentration states on public wholesale matrices. That is not a rate, an approval, or a promise that any Texas file will clear.
How do I check a Texas rental on the DSCR calculator?
Run the ungated calculator, then book a 30-minute call if the deal is worth desk time. The calculator is orientation, not a lead form and not a credit decision.
Lender DSCR is still rent ÷ PITIA (or ITIA if interest-only). Realtors with a Texas investor client can start on the realtor page.