Today's DSCR Loan Rates In Texas
Today's DSCR Loan Rates In Texas for
Purchase Rates
6.629%
Refinance Rates
6.786%
Rate Table Assumptions
Mortgage rates change with market conditions. They can only be guaranteed when they are locked in with an application. The rates may vary based on credit score, loan amount, and other factors.
Loan amounts greater than $475,000. FICO credit score greater than 780 or higher. Owner Occupied
30 Conventional Year Fixed - $475,000 or greater . LTV 75.0%. 1 % Point Charged First time Home Buyer.
15 Year Fixed - $475,000 or greater. LTV 75%. 1 Point Charged.
30 Year Jumbo Loan - $800,000 or greater. LTV 75.0%. 1 Point.
30 Year FHA Loan - $475,000. LTV 96.5%. 1 Point charged
30 Year VA Loan - $475,000. LTV- 100.0% 1 Point.
DSCR Rates - 70% LTV with DSCR ratio of 1% or greater. 1 point charged. pre payment penalty pro rated if paid off in less then 3 years.
1 point = 1% of the loan amount.
1,122
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Latest DSCR Loan Rate Updates in Texas
DSCR loan pricing for July 13, 2026 is generally ranging from about 6.25% to 8.00%, which can place stronger investor files near the latest conventional benchmark while weaker scenarios may price much higher.
Current DSCR rates include:
DSCR 30-Year Fixed Purchase: Approximately 6.25% to 8.00%
DSCR 30-Year Fixed Refinance: Approximately 6.25% to 8.00%
Texas investors are working with a market that’s slower but not deeply discounted. The statewide median sale price was $343,779 in May 2026, up 0.9% year over year, and homes took 68 days to sell.
If you’re financing a rental property, the extra market time can help you compare rent projections, taxes, insurance, HOA dues, and vacancy assumptions before making the numbers work.
On a $343,779 property, principal and interest would be about $2,117 at 6.25% and about $2,523 at 8.00%, compared with about $2,171 at Freddie Mac’s latest 6.49% benchmark and $2,223 at last year’s 6.72% level.
A strong DSCR file could price close to the current benchmark, while a higher-risk scenario may carry a payment several hundred dollars above a standard 30-year comparison.
Before you focus on rate, run the rent-to-payment ratio first because the property’s income coverage will matter more than a small rate difference.
A slightly lower rate helps, but the better question is whether the property still has enough cash flow after all the monthly costs.
Dig Deeper: Key DSCR Loan Insights for Texas Investors
Know the Debt-Service Coverage Ratio (DSCR) Thresholds
Lenders typically look for a DSCR of 1.20 or higher—your property’s net operating income must cover at least 120% of debt payments.
Evaluate Property Cash Flow
Analyze rent rolls and operating expenses to ensure stable, predictable cash flow that supports your DSCR requirements.
Understand Reserve Requirements
Be prepared to show 3–6 months of debt service reserves in cash or equivalents to cover unexpected vacancies or repairs.
Choose Between Recourse and Non-Recourse Loans
– Non-Recourse DSCR Loans limit personal liability but may carry slightly higher rates.
– Recourse Loans often offer tighter spreads in exchange for full guarantor responsibility.
Compare Loan Terms and Amortization
DSCR loans often come with shorter amortization periods (e.g., 20 years)—ensure the payment schedule aligns with your investment strategy.
Prepare Detailed Underwriting Documentation
Gather income statements, rent rolls, operating expense reports, and proof of reserves to streamline DSCR underwriting.
Explore Portfolio vs Agency DSCR Programs
– Agency DSCR Loans (Fannie Mae DUS) follow established guidelines and may offer lower rates.
– Portfolio DSCR Loans allow lenders to customize terms for unique investment properties.
Consult a DSCR Loan Specialist
“Our DSCR experts at Texas United Mortgage guide you through every step—from property analysis to closing—so you can maximize your investment returns.”
— Reef Merhi, Owner


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