Investment Property Financing in Central Texas
Austin, Round Rock, Cedar Park, Georgetown — Central Texas remains one of the country’s most active rental markets. Whether you’re buying your first rental or expanding a portfolio, financing structure often matters more to your returns than the rate itself.
Conventional Investment Loans
Conventional loans finance 1–4 unit rentals with 15–25% down depending on property type. Rental income from the property can help you qualify, and the 2026 conforming limit of $832,750 applies (higher for multi-unit).
DSCR & Portfolio Loans
For investors who’d rather qualify on the property’s cash flow than personal tax returns, DSCR (debt-service coverage ratio) loans underwrite the deal on rent versus payment. These are wholesale-only products — you access them through a broker, not a retail bank. Portfolio and blanket options exist for multi-property investors.
Strategies We Help With
House hacking a duplex with an FHA loan at 3.5% down. Cash-out refinancing an existing rental to fund the next purchase (within Texas equity rules). Structuring title and entity questions with your CPA. As investors ourselves, we speak the language of cap rates and cash-on-cash return — not just DTI.
Start Your Application Questions? Contact Don directly
360 Lending Group, LLC — NMLS 266484. This information is for general education and is not a commitment to lend or a rate quote. Loan programs, limits, and terms are subject to change and to borrower qualification. Figures cited are 2026 limits and may differ by county and property type.
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