Buying a rental or refinancing an investment property in Texas or California? Republic Lending Partners helps you compare DSCR and conventional financing, including for properties in Houston and Katy. Request an investor loan quote to discuss your property, expected rent and financing goals.
A debt service coverage ratio loan is an investor financing option that evaluates a rental property’s income in relation to its housing payment. Many residential DSCR programs focus on property rental income rather than qualifying solely through the borrower’s personal employment income. Credit, property eligibility, down payment or equity, reserves and other lender requirements still apply.
Ask us to review the options available for your scenario. Compare interest rate, points, lender fees, cash needed to close, monthly payment, loan term and any prepayment penalty. A lower advertised rate alone does not show the full cost of a loan. Pricing changes and depends on the borrower, property, leverage, program and lock terms.
We serve investors statewide, with a focus on Greater Houston: Katy, Fulshear, Cypress, Richmond, Sugar Land, Rosenberg, Needville, Pearland, Fresno, League City and Galveston. We also work with buyers and realtor partners in Memorial, the Energy Corridor, River Oaks, the Heights and Bellaire. For coastal properties, include current insurance estimates and your intended rental use when requesting a review.
Explore investment-property purchase and refinance options across California, including Los Angeles, Beverly Hills, Encino, Studio City, Sherman Oaks, Orange County and San Diego. Our team is based in Katy, Texas and serves borrowers in both states. These communities are service areas.
Use our secure application for financial documents and sensitive information. Our team will explain which documents are needed for the specific program.
Purchase and refinance options may be available. The property, occupancy, rental income and lender guidelines determine which programs fit. Ask for a scenario review before making financing assumptions.
No single comparison applies to every loan. Request current quotes using the same property, loan amount, term and lock period, and compare both the rate and the fees. We will help you review the options available for your investment.
No. The lender also reviews the other requirements for the selected program. DSCR calculations and minimums vary, so our team will confirm how the specific lender evaluates your property.
Request a personalized loan quote or contact Republic Lending Partners. Explore our Katy and Houston mortgage services, California mortgage services and other loan programs.
Republic Lending Partners | NMLS #2623113. Loan availability, pricing and approval are subject to applicable lender requirements.
