Investors & DSCR
Loans That Qualify on the Property, Not Your Paystub
DSCR loans finance rentals on the property's cash flow. Close in your LLC, skip the income docs, and scale your portfolio, with a plan set before you are under contract.
Oscar Acosta, Strategic Lending Advisor. NMLS #1876248. Bilingual, English and Español.
Can you get a mortgage in your LLC's name for a rental?
Yes. A DSCR loan qualifies on the property's rent-to-payment ratio rather than your personal income, and can close in your LLC's name. Most programs want a DSCR of 1.0 or higher, though some allow lower ratios with stronger credit, more reserves, and lower leverage.
How it works
Three steps, no guesswork.
Planning Call
We start with a short call to map your situation, your numbers, and your goals. No pressure, just a clear read on where you stand.
Strategy and Execution
I position your file around the details that matter for your deal, then handle the lender side so you can focus on what counts.
Close with Confidence
You get a clean approval and a team that communicates in English or Spanish all the way to closing day.
DSCR and investor questions, answered
Straight answers for scaling a rental portfolio.
What is a DSCR loan?
A Debt-Service-Coverage-Ratio loan for investment property. It qualifies on whether the rent covers the mortgage payment, a DSCR of 1.0 or higher, not on your W-2 or tax returns.
Can I close in my LLC's name?
Yes. Most DSCR programs let you vest title in an LLC or Series LLC. Lenders will typically still ask for a personal guarantee even when the property is held in the entity.
What credit score and down payment do I need?
Many programs want 680 or higher for the best terms, though some go to the low 600s with more equity and lower leverage. Plan on roughly 20 to 25 percent down. We match the program to your file.
How is the DSCR calculated?
Monthly rent divided by the monthly payment, including principal, interest, taxes, insurance, and any HOA. Above 1.0 means the rent covers the payment. Some no-ratio programs allow below 1.0 with tradeoffs.
Can I use a DSCR loan after a hard-money purchase?
Yes, it is a common exit. Buy and rehab with hard money, then refinance into a DSCR loan for the long-term hold. On a business-purpose refinance, Texas has no seasoning requirement to slow you down.
How many properties can I finance this way?
Often more than conventional allows, since qualification is property-by-property rather than capped by your personal debt-to-income. It is built for scaling a portfolio, not stopping at four.
What clients say
Real families and professionals across Texas.
★★★★★
Oscar went to the moon and beyond for my clients. Very knowledgeable and capable, always there to answer questions when we need it. One more family is enjoying their new home. You rock!
Rita Saenz-Pragner
Realtor
★★★★★
From our first conversation through the whole process, Oscar was professional and highly knowledgeable. He made an otherwise stressful event smooth and successful. We highly recommend Oscar and the Mpire Financial team.
Mara Nieves
Home Buyer
★★★★★
Oscar nos apoyó durante todo el proceso de compra de nuestra casa con un profesionalismo excepcional. Nos explicó cada detalle con claridad y nos dio confianza en cada paso. Si tuviera que recomendar a alguien, sería a Oscar sin dudarlo.
Christian Andrade
Comprador
Scale your portfolio the smart way.
The best results come when we plan the deal early, before you are under contract, not rescuing it after.
Book Your Planning CallPrefer to talk now? Call (469) 484-7608