Build Wealth Through Texas Real Estate
Stop letting your money sit idle. I’ll help you secure financing for investment properties that generate monthly cash flow, appreciate over time, and provide significant tax advantages. Texas offers some of the best investment opportunities in the nation.
Investment Loan Features
20-25%
Down Payment
75%
Rental Income Used
10
Properties Max
30yr
Amortization
Investment Property Loan Options
Different loan programs for different investment strategies. I’ll help you choose the right financing for your goals.
Conventional Investment Loans
Traditional Financing for Rental Properties
Standard investment property loans through traditional lenders with competitive terms.
Key Benefits:
- Predictable qualification process
- 30-year amortization available
- Can finance up to 10 properties
- Rental income can qualify
Best For: Experienced investors with good credit and stable income
DSCR Loans
Debt Service Coverage Ratio Loans
Qualify based on property cash flow rather than personal income – perfect for investors.
Key Benefits:
- No personal income verification
- Qualify based on rental income
- Fast approval process
- Great for self-employed investors
Best For: Self-employed investors or those with complex income
Trade-In Mortgage
Buy Before You Sell Solutions
Use your home equity with guaranteed backup from Calque.
Key Benefits:
- Win with non-contingent offers like cash
- Easier qualification process
- Avoid moving twice or short-term rentals
- Sell your home for full market value
Best For: Current homeowners looking to purchase their next home
Fix & Flip Loans
Short-Term Renovation Financing
Fast funding for investors who buy, renovate, and sell properties quickly.
Key Benefits:
- Quick approval and funding
- Interest-only payments
- Renovation funds included
- 6-24 month terms
Best For: Active flippers and renovation specialists
Investment Strategies
Different approaches to real estate investing, each with specific financing needs and benefits.
Buy & Hold Rental
Purchase properties to rent long-term for steady cash flow and appreciation
Financing Approach:
Key Benefits:
- Steady monthly income
- Long-term appreciation
- Tax benefits
- Leverage advantages
BRRRR Method
Buy, Rehab, Rent, Refinance, Repeat – maximize leverage and portfolio growth
Financing Approach:
Key Benefits:
- Rapid portfolio growth
- Maximize leverage
- Force appreciation
- Scale quickly
Multi-Family Properties
Invest in duplexes, triplexes, and small apartment buildings
Financing Approach:
Key Benefits:
- Multiple income streams
- Economies of scale
- Higher cash flow potential
- Diversification
Short-Term Rentals
Airbnb and vacation rental properties in high-demand areas
Financing Approach:
Key Benefits:
- Higher rental rates
- Flexible personal use
- Tourism market exposure
- Premium locations
Why Invest in Texas Real Estate?
Texas offers some of the best fundamentals for real estate investment in the United States.
Strong Population Growth
Texas leads the nation in population growth, driving consistent rental demand.
Diverse Economy
Multiple industries provide economic stability and job growth across the state.
No State Income Tax
Keep more of your rental income with Texas’s favorable tax environment.
Landlord-Friendly Laws
Texas has reasonable landlord-tenant laws that protect property owners.
Let Me Address Your Investment Concerns
I’ve heard every investment property concern. Here’s how I help investors overcome common worries.
"Investment property loans are too expensive"
My Solution:
While rates are higher than primary residence loans, the rental income and tax benefits often more than offset the additional cost.
"I need perfect credit and lots of cash"
My Solution:
While investment loans have stricter requirements, there are programs for various credit levels and down payment amounts.
"What if the property doesn't rent?"
My Solution:
I help you analyze markets and properties to minimize vacancy risk, plus we factor vacancy rates into cash flow projections.
"Property management is too much work"
My Solution:
Texas has excellent property management companies. I can connect you with trusted professionals to handle day-to-day operations.
"The market might crash"
My Solution:
Real estate is cyclical, but Texas markets have shown resilience. Proper cash flow analysis helps weather market fluctuations.
"I don't know enough about real estate investing"
My Solution:
I provide education and guidance throughout the process, plus connect you with experienced investors and professionals.
Benefits of Real Estate Investment
Real estate investment offers multiple ways to build wealth and generate income.
Monthly Cash Flow
Generate passive income through rental payments that exceed your mortgage and expenses.
Property Appreciation
Benefit from long-term property value increases in growing Texas markets.
Tax Advantages
Depreciation, mortgage interest, and expense deductions can significantly reduce tax liability.
Leverage & Equity Building
Use other people’s money (tenants) to pay down your mortgage and build wealth.
Your Investment Property Process
I’ll guide you through every step of acquiring your investment property, from strategy to closing.
Investment Strategy Consultation
We’ll discuss your investment goals, strategy, and financing needs.
- Analyze your investment strategy
- Review your financial capacity
- Discuss loan program options
- Calculate potential returns
- Create financing roadmap
Pre-Approval & Market Analysis
Get pre-approved and identify target markets and properties.
- Submit investment loan application
- Analyze target markets in Texas
- Review potential properties
- Calculate cash flow projections
- Receive pre-approval letter
Property Acquisition
Find and secure your investment property with proper financing.
- Property search and analysis
- Make competitive offers
- Coordinate inspections and appraisals
- Finalize loan terms
- Handle any issues that arise
Closing & Portfolio Growth
Close on your investment and plan for portfolio expansion.
- Complete loan closing
- Set up property management
- Monitor cash flow performance
- Plan next acquisition
- Optimize portfolio strategy
What Clients Are Saying
Real Stories. Real Results. People trust me because I listen, explain things clearly, and make the process smooth.
Investment Property Loan Questions
Get answers to the most common questions about investment property financing.
What's the minimum down payment for investment property loans?
Most investment property loans require 20-25% down payment. Some portfolio lenders may go as low as 15% for qualified borrowers with strong financials and experience.
How do lenders calculate rental income for qualification?
Lenders typically use 75% of projected rental income to account for vacancy and maintenance. They may require a lease agreement or rent roll for existing rentals, or use market rent analysis for new purchases.
Can I use rental income from the property I'm buying to qualify?
Yes, lenders can use projected rental income from the subject property to help you qualify, though they’ll typically use a conservative estimate and require market rent analysis.
What credit score do I need for investment property loans?
Most lenders require a minimum 620-640 credit score for investment properties, though some portfolio lenders may work with lower scores. Higher scores get better rates and terms.
How many investment properties can I finance?
Conventional loans allow up to 10 financed properties total (including your primary residence). Beyond that, you’ll need portfolio lenders or commercial financing.
What's the difference between DSCR loans and conventional investment loans?
DSCR loans qualify you based on the property’s cash flow rather than your personal income, making them ideal for self-employed investors or those with complex income situations.
Should I form an LLC for my investment properties?
LLCs provide liability protection but can complicate financing. Many investors start in their personal name and transfer to LLCs later. Consult with a tax professional and attorney.
What markets in Texas are best for investment properties?
Austin, Dallas, Houston, San Antonio, and their suburbs offer strong fundamentals. I can provide market analysis for specific areas based on your investment strategy and budget.
Ready to Start Building Your Real Estate Portfolio?
Don’t let another year pass without building wealth through real estate. Texas markets are strong, and financing is available. Let’s discuss your investment strategy and get you pre-approved today.
Free consultation • Investment strategy guidance • Multiple loan programs available
