All Programs and Guides on Investor Loans Texas
Every guide on this site, one screen. Program pages carry the mechanics; city pages carry the local numbers and permit rules; all figures are dated and registry-verified.
Loan programs
- DSCR loans: qualify on the property's rent; no tax returns; LLC-friendly.
- Investor cash-out refinance: the 50(a)(6) homestead rules don't apply to rentals; BRRRR seasoning timelines.
- Short-term rental loans: Airbnb/VRBO financing with honest income-documentation lanes.
- LLC + series LLC lending: close in the entity; due-on-sale rules for later transfers.
- Portfolio + 2–4 unit + foreign national: the 10-loan conventional cap and what's past it.
- Bank-statement loans: self-employed qualifying from deposits after an expense factor.
- 1031 replacement financing: closing inside the 45/180-day clocks.
City guides
- Dallas–Fort Worth: biggest market, LLC-heavy, STR ban enjoined.
- Houston: best price momentum, new registration-only STR regime.
- Austin: STRs legal in all residential zones since 2025.
- San Antonio: lowest entry, Type 1/Type 2 permit system.
Texas reference
- STR permit rules by city: the eight-city status table, verified July 2026.
- Rental property taxes: no income/transfer tax, the 2%+ property-tax reality, circuit-breaker expiration.
Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content, not a loan commitment and not legal or tax advice. City STR rules and tax figures change; verify current requirements with the city, your CPA, or a Texas real estate attorney before you buy. Loans are subject to buyer and property qualification.