INVESTMENT · TEXAS + NATIONWIDE DSCR

Investment Property Loans in Texas

Finance Texas rentals—and scale beyond state lines—with investment property loan options that fit landlords, house hackers moving to their next unit, and self-employed investors.

Investment financing generally means the property is not your primary residence. Some programs still use personal income (including bank statement or other non-QM docs). Others—especially DSCR—focus on the property’s rental income. Expo Lending offers DSCR investor loans in all 50 states and helps Texas investors choose the cleaner path for each deal. Guidelines vary, subject to underwriting.

Underwriting a rental purchase or refinance?

Aiden Fahimi, Broker | Mortgage Advisor (NMLS #1943973) · Expo Lending LLC · NMLS #2619446

Call (877) 732-4464 Text (713) 885-3944 Contact form

Who Investment Loans Are For

  • Buyers purchasing 1–4 unit rentals in Texas
  • Investors refinancing rentals (rate-and-term or cash-out when allowed)
  • Self-employed landlords who prefer not to lean on personal DTI
  • Short-term / Airbnb investors where DSCR guidelines permit
  • Portfolio builders buying in other states via nationwide DSCR

Two Common Paths

Personal-income investment loans

Your W-2, tax returns, bank statements, P&L, or 1099s support the payment. Useful when you have strong personal income and the rental is part of a broader file. See bank statement, P&L, and 1099 guides for documentation detail.

DSCR (property-income) loans

Debt Service Coverage Ratio programs compare rent to PITIA. Personal tax returns are often secondary. This is the scaling tool for many investors—and Expo Lending offers DSCR in all 50 states, including many short-term rental scenarios. Read the full DSCR guide for calculations, STR notes, and FAQs.

Texas Investors, Nationwide Reach

Keep buying in Houston, DFW, Austin, or San Antonio—or expand to other states—without changing advisors. Expo Lending is Texas-based with investor fluency and hundreds of successful closings on Success Stories.

What Underwriters Typically Review

  • Occupancy confirmation (investment vs. primary/second home)
  • Appraisal with supportable market rent when DSCR applies
  • Credit, equity/down payment, and reserves per program
  • Leases, rent rolls, or STR history when required
  • Entity docs if closing in an LLC (common on DSCR)

We do not invent LTV caps, DSCR cutoffs, or rates on this page—your quote is deal-specific.

Documents You’ll Likely Need

  • Purchase contract or current mortgage statement
  • Income docs (personal path) or rent documentation (DSCR path)
  • Asset statements for down payment and reserves
  • Insurance quotes appropriate to rental or STR use
  • ID and entity documents when applicable

Cash-Out & Portfolio Strategy

Investors often refinance to pull equity for renovations or the next down payment. Seasoning, DSCR, and appraisal rents drive feasibility. We stress-test rents conservatively—especially on short-term rentals—so the loan still works if occupancy softens.

House Hacking & Transitions

If you are moving out of a current primary and converting it to a rental, say so early. Occupancy history, lease timing, and whether the new purchase is your primary all affect program choice. Expo Lending can often keep the advisor relationship continuous from the primary-home loan into DSCR financing nationwide.

For 5+ unit or commercial assets, switch to the commercial real estate page (all 50 states).

Risk Controls We Encourage

Run conservative rents, price in vacancy and maintenance, and confirm insurance—especially for short-term rentals or older properties. Financing approval does not replace local STR permits or HOA rules. We will flag program overlays we know about; you and your property manager still own local compliance.

Ready to compare a specific address? Call (877) 732-4464 or text (713) 885-3944 with the listing link and your target down payment.

Related pages

Investment Property Loan FAQs

Can I finance a rental without using my personal tax returns?

Often yes via DSCR programs that qualify primarily on the property’s rent. Availability and guidelines vary; Expo Lending offers DSCR in all 50 states subject to underwriting.

Are short-term rentals allowed?

Some DSCR programs allow short-term / Airbnb use with specific rent documentation and property rules. Local ordinances and HOA bylaws still apply.

Can I close in an LLC?

Many DSCR investor programs allow entity vesting with personal guarantees. Personal-income investment loans may be more limited—confirm per program.

Do you only finance Texas rentals?

Texas is our residential home base, but DSCR investor loans and commercial financing are available in all 50 states through Expo Lending.

Purchase vs. refinance for investors?

Both may be available. Cash-out refinances can fund renovations or the next down payment when equity, DSCR, and seasoning rules are met.

Get an investment property review

Mon–Fri 9 AM–6 PM Central · Serving all of Texas

Call (877) 732-4464 Text (713) 885-3944

Equal Housing Opportunity. Expo Lending LLC, NMLS #2619446. Aiden Fahimi, Broker | Mortgage Advisor, NMLS #1943973. 1000 Main St, Suite 2300 PMB 1161, Houston, TX 77002. Office (877) 732-4464 · Direct/Text (713) 885-3944. Programs, guidelines, and availability vary and are subject to underwriting approval. This is not a commitment to lend. NMLS Consumer Access: nmlsconsumeraccess.org.