Texas DSCR Loan Calculator
Screen a Texas rental property for modeled DSCR, supportable loan amount, required rent, PITIA or ITIA, purchase cash to close, and cash-out refinance proceeds.
Verify lender and local rules. This page localizes tax and insurance defaults for Texas; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
Texas DSCR assumptions
The calculator seeds Texas with a starting property value of $300,000.00, starting rent of $1,400.00, annual property tax based on a 1.4% effective rate, and estimated annual insurance of $3,899.00.
STR note: No statewide restrictions. Austin and San Antonio have active STR ordinance frameworks. Dallas and Houston have limited regulations. Fredericksburg (wine country) and other tourist destinations have STR rules. Austin STR regulations have been in significant flux. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Dallas-Fort Worth/Tarrant-Dallas-Collin-Denton counties (largest TX metro, most liquid SFR market, hybrid). Houston/Harris County (largest city, energy-driven, hybrid, flood risk important). San Antonio/Bexar County (military-heavy, affordable, cash flow + hybrid). Austin/Travis-Williamson-Hays counties (tech-driven appreciation, difficult cash flow, highly regulated STR). El Paso/El Paso County (Fort Bliss, border economy, steady cash flow). Killeen-Temple/Bell County (Fort Cavazos, military cash flow). Lubbock/Lubbock County (Texas Tech, affordable cash flow).
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