CRA Capital Commercial Lending
Loan programs

DSCR Loans in San Antonio & Texas

Investment property loans based on rental income, not tax returns.

Quick answer

A DSCR (debt service coverage ratio) loan qualifies you based on whether the property's rent covers its mortgage payment, instead of your personal income. It's built for real estate investors, especially self-employed borrowers whose tax returns don't show their full picture.

Who it's for

  • Real estate investors growing a rental portfolio
  • Self-employed borrowers with heavy write-offs
  • Investors who want to pull cash out of a rental

Common uses

  • Single-family rentals
  • Duplexes and small multifamily
  • Short-term and vacation rentals
  • Cash-out refinance of existing rentals

How CRA Capital helps

  1. 1

    Tell Chris about the deal

    Share the property, the amount you need, and your timing. A quick call is usually enough to know if it's a fit.

  2. 2

    Get matched with the right lenders

    Chris reviews the request and shops it to lenders that actually do this kind of loan, from banks and SBA lenders to private capital.

  3. 3

    Close with guidance the whole way

    You get help with documents, lender questions, and timing so the loan keeps moving to closing.

Track record

Recently funded: dscr loans

See all funded deals
Single-family investment property in San Antonio, Texas$170,000

DSCR Loan Refinance Cash-Out

Investment Property

San Antonio, TX

Single-family rental home in San Antonio, Texas$141,400

DSCR Loan Refinance Cash-Out

Investment Property

San Antonio, TX

Frequently asked

DSCR Loans questions

Start a conversation

Tell us about your deal.

Share a few details and Chris will review your request. Prefer to call? Reach him directly at 210-527-7861.