DSCR Investor Loans vs. Conventional Mortgages

Discover the difference between qualifying based on rental property cash flow (DSCR) versus personal W-2 income and tax returns. Choose the right financing for your property portfolio.

Side-by-Side Investor Comparison

Compare key requirements for property investors.

Feature / Criteria

DSCR Investor Loan

Conventional Mortgage

Income Verification

Property Rent Only

W-2 / Tax Returns

Property Limit

Unlimited Properties

10 Mortgages Max

Personal DTI Ratio

Not Calculated

Strict Cap (45-50%)

Short-Term Rentals (Airbnb)

Eligible

Limited / Restricted

Down Payment

15% - 25%

When to Choose Each Program

Choose a DSCR Loan If:

You are self-employed or have complex tax write-offs.
You already have multiple mortgaged properties.
You purchase short-term or vacation rental properties.
You want to close in an LLC name.

Choose a Conventional Mortgage If:

You have strong W-2 income and documented tax returns.
You own fewer than 4 mortgaged properties.
You want the lowest possible interest rate.
You are financing a long-term rental property.

Comprehensive Investor Guide

Detailed Texas DSCR Loan Guide 2026

Learn exact PITIA coverage formulas, short-term rental Airbnb underwriting, closing under a Texas LLC, and investor cash-out refinance rules.

Read Texas DSCR Guide

Explore Investor Financing Options

Speak with Chad Mullenix to evaluate your rental property cash flow and find the right loan structure.

Qualify Your Investment Property Call (512) 657-8017