Texas Lending

Non-QM & DSCR Loans in Texas

Financing Texas-sized ambitions with flexible Non-QM and DSCR solutions across Dallas, Houston, Austin, San Antonio, and every corner of the Lone Star State.

Bank Statement & Alternative Documentation Loans

Texas entrepreneurs, business owners, and real estate investors need mortgage solutions designed for independent earners, not just W-2 employees.

Who Benefits

  • Self-employed professionals across Texas metro areas
  • Oil & gas contractors and consultants
  • Tech entrepreneurs in Austin
  • Medical professionals with private practices
  • Real estate investors with multiple properties

Texas Non-QM Options

  • Bank statement programs (12 or 24 months)
  • P&L only approvals up to 90% LTV
  • Asset depletion for high-net-worth clients
  • ITIN and foreign national programs
  • Jumbo financing up to $3,000,000

Investor Financing for Texas Real Estate

Texas offers investor-friendly markets with strong job growth, no state income tax, and massive rental demand. DSCR loans unlock portfolio expansion without income limitations.

Perfect For

  • Long-term rental properties in growth corridors
  • Multi-unit properties (1-8 units)
  • Fix-and-rent investors
  • Out-of-state buyers targeting Texas appreciation
  • Portfolio expansion with minimal paperwork

Texas DSCR Features

  • DSCR down to 0.75 for strong Texas markets
  • Single-family, multi-family, and mixed-use eligible
  • Close in LLC or personal name
  • No personal income documentation required
  • Fast closings to compete with cash offers

Lending Across Texas's Major Metropolitan Areas

Origin Mortgage serves borrowers and investors throughout Texas's diverse and high-growth real estate markets:

Whether you're buying a primary residence in the suburbs, acquiring rental properties, or expanding an investment portfolio, Origin Mortgage structures Texas loans with flexibility conventional lenders can't match.

Non-QM Lending in Texas

Can self-employed borrowers in Texas qualify using bank statements?

Yes. Origin Mortgage's bank statement programs allow Texas entrepreneurs, contractors, and self-employed professionals to qualify for a mortgage using 12 or 24 months of personal or business bank statements instead of tax returns. This is ideal for business owners who write off significant expenses and show lower taxable income.

Are Texas cash-out refinances eligible for Non-QM loans?

Yes, but Texas has unique regulations around cash-out refinances (Section 50(a)(6) rules). Origin Mortgage's Non-QM underwriters are well-versed in Texas-specific requirements, including the 12-day rescission period, 80% LTV limits, and documentation standards. We can guide you through compliant cash-out structuring.

Do you finance investment properties in Texas with DSCR loans?

Absolutely. Texas is one of the strongest investor markets in the country, and Origin Mortgage's DSCR loans let you qualify based on the property's rental income rather than personal income. We finance single-family rentals, duplexes, triplexes, fourplexes, and properties up to 8 units.

What is the minimum down payment for a Non-QM loan in Texas?

Minimum down payments typically range from 10% to 25% depending on the program. Bank statement loans often require 15-20% down, while DSCR loans may need 20-25% based on the property's DSCR ratio and cash flow. Contact us for program-specific details.

How long does it take to close a Non-QM loan in Texas?

Origin Mortgage delivers 21-day clear-to-close timelines for well-prepared files. We provide initial disclosures within 24 hours, complete underwriting in 48 hours, and work closely with Texas title companies to ensure smooth closings that meet contract deadlines.

Can I get a Non-QM loan for rural property in Texas?

Yes. Origin Mortgage finances properties throughout Texas, including rural areas, small towns, and non-metro markets. We evaluate each property individually and have experience with land-home packages, acreage properties, and unique Texas real estate scenarios.

Ready to finance your Texas property?

Origin Mortgage delivers Non-QM and DSCR solutions built for Texas borrowers, investors, and brokers.

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