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.
Investment Property Loan FAQs
How much do I need down for a rental property?
Conventional investment loans run roughly 15% down for single-family and up to 25% for multi-unit. DSCR programs vary by lender and leverage — another place where shopping wholesale pays.
What is a DSCR loan?
A debt-service coverage ratio loan qualifies you on the property’s rent versus its payment — no personal tax returns required. They are wholesale-only products, accessed through a broker rather than a retail bank.
Can rental income help me qualify?
Yes. Existing leases or the appraiser’s market-rent analysis can offset the payment on conventional loans, and DSCR loans are underwritten on that income directly.
Can I buy an investment property in an LLC?
DSCR lenders generally allow LLC vesting; conventional loans require individual title at closing. Entity and title strategy is worth a conversation with your CPA — we coordinate that regularly.
Related programs: Conventional Loans · Jumbo Loans · Refinance
As investors ourselves, we speak cap rates and cash-on-cash — and we structure loans to match your returns.
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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