Long-Term Rental Financing (DSCR Loans)
Our DSCR loan program is designed specifically for real estate investors acquiring or refinancing rental properties. Instead of focusing on the borrower’s personal income, qualification is primarily based on the property’s ability to generate cash flow.
Long-Term Rental Financing (DSCR Loans)
Our rental property financing is designed for real estate investors who want to quickly grow their portfolios. Whether you’re acquiring a single-family home in Dallas, expanding a multi-family investment in Houston, or refinancing a collection of properties in Austin, our loans are built to close fast, fund your full purchase or refinance, and give you the flexibility you need. We’ve made the process simple and efficient, eliminating red tape and focusing on what really matters: your property's income potential.
Disclaimer: All loan terms require underwriting and credit approval. The terms listed above are meant to provide an approximate idea of potential terms.
1. Submit Your Deal
Fill out our quick online application, upload your property details, and show us the property’s potential. No tax returns. No personal income verification. No stacks of paperwork.
2. Get your terms
Our team reviews your deal and sends over a term sheet fast. We underwrite based on the property's cash flow and your plan, not your personal finances.
3. Close the Deal
Once terms are agreed, we move forward to closing. We align with your timeline, ensuring a smooth process with no surprises.
4. Fund Your Investment
Loan proceeds are released quickly and easily, allowing you to close and move forward with acquiring or refinancing your rental properties.
DSCR Rental Loans in Texas
Silverton Capital provides DSCR loans for rental properties across Texas, allowing investors to qualify based on a property’s income potential rather than traditional employment verification. This structure makes DSCR financing ideal for investors who own multiple properties or operate through business entities.Our Texas DSCR loans can be used to purchase new rental properties or refinance existing ones. Investors commonly use DSCR financing to expand their portfolios while keeping personal income and tax returns separate from the underwriting process.With competitive terms, flexible underwriting, and fast closings, Silverton Capital helps rental property investors secure financing that supports long-term portfolio growth.
5.75%
Starting rates for interest-only payments
Loan amounts up to 10 Units
Flexible Prepayment, Partial IO (10-Years) Entities & partners Welcomed
Loan-to-Value (Acquisitions/Rate-Term)
Loan-to-value (Cash-Out Refinances)
Closing Fee
(deal dependent)
*640 Minimum Credit
Who Can Apply for a DSCR Rental Loan?
Silverton Capital’s DSCR rental loans are designed for real estate investors across Texas who are building or refinancing income-producing rental properties. These loans qualify borrowers based primarily on the cash flow of the property rather than personal income, making them ideal for investors scaling their portfolios.
You may qualify if you:
- Own or are purchasing a long-term rental property in Texas
- Plan to rent the property to generate consistent monthly income
- Can demonstrate the property meets the Debt Service Coverage Ratio (DSCR) requirements
- Are purchasing through an LLC or investment entity (preferred) or as an individual investor
- Are an experienced rental investor or purchasing your first investment property
- Want to refinance an existing rental property to access equity or improve loan terms
- Are a licensed broker representing an investor client — brokers are welcome
We finance single-family rentals, townhomes, and small residential investment properties across major Texas markets, including Dallas–Fort Worth, Houston, Austin, and San Antonio.
Apply now, and let’s get moving.
We love working with investors and developers who see potential in blighted homes and undeveloped land. If you have a project and are ready to boost property values and transform communities, let's connect.
