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.
What the national numbers mean for Texas investors
National data sets the backdrop; what matters locally is how Texas’s own tax treatment, foreclosure timeline and rent-to-price math interact with it. Read the figures below alongside the Texas specifics on this site.
- national aggregate (+0.9% YoY versus the national aggregate's +1.1% YoY)—the other being Des Moines (+0.5% YoY). ResiClub, “Is the Midwest getting frothy?”
- incomes (+1.1% year-over-year) have outpaced nationally aggregated U.S. ResiClub, “The switching-cost math still weighing on resale housing market tu”
Market data courtesy of ResiClub (Lance Lambert). Figures are as published; confirm current data at the source.
Official sources for Texas investors
Figures and rules on this page trace to the agencies and codes below. Texas programs and assessment rules change, so confirm current figures at the source before you rely on one.