What NON-QM loan options are available in Texas?

Texas borrowers have access to Bank Statement Loans, DSCR Loans, Asset Depletion, P&L Only loans, Investment Property financing, and Foreign National loans. These programs serve self-employed Texans, real estate investors, and those with non-traditional income sources.

Can I get a NON-QM loan for investment property in Texas?

Yes, our DSCR loans and Investment Property programs are perfect for Texas real estate investors. Qualify based on rental income rather than personal income, with no limit on the number of properties you can finance.

What are the requirements for a Texas bank statement loan?

Texas bank statement loans require 12-24 months of personal or business bank statements, a minimum 620 credit score, 2+ years of self-employment, and typically 10-20% down payment. We calculate income from your deposits, not tax returns.

(800) 917-1595

NMLS #139369

Texas

Texas NON-QM Mortgage Specialist

Everything's bigger in Texas - including our loan programs. From Houston energy professionals to Austin tech entrepreneurs, we help Texans who don't fit the traditional lending box.

NMLS #139369

127+ Five-Star Reviews

30+ Years Experience

Texas by the Numbers

$3.5M

Max Loan Amount

620

Min Credit Score

Days to Close

75+

TX Closings/Year

NON-QM Loan Programs for Texas

Flexible mortgage solutions designed for Texas's entrepreneurial spirit and growing real estate market.

Bank Statement Loans

Ideal for Texas entrepreneurs, oil & gas professionals, and small business owners

12 & 24 month programs
Up to $3.5M
Credit from 620

DSCR Loans

Finance rental properties in Texas's booming real estate markets

No income verification
Unlimited properties
1.0+ DSCR ratio

Asset Depletion

Qualify using assets - perfect for retirees relocating to Texas

No employment required
Use retirement accounts
Up to $3.5M

Investment Property

Build your Texas rental portfolio with flexible financing

Single & multi-family
Short-term rentals
No income docs

P&L Only Loans

Qualify with a CPA-prepared P&L statement - no tax returns needed

1 or 2 year P&L
CPA letter required
Self-employed friendly

Foreign National

Serving Texas's international investors and relocating professionals

No SSN required
ITIN accepted
Investment & primary

Texas Markets We Serve

From the energy capital of Houston to the tech hub of Austin, we understand Texas real estate.

Houston

Pop: 2.3M•Avg Home: $340K

Dallas-Fort Worth

Pop: 7.6M•Avg Home: $380K

Austin

Pop: 1.0M•Avg Home: $550K

San Antonio

Pop: 1.5M•Avg Home: $290K

The Woodlands

Pop: 120K•Avg Home: $520K

Plano / Frisco

Pop: 500K•Avg Home: $480K

Recent Texas Closings

Real deals we've closed for Texas borrowers that traditional banks turned down.

$1.8M

Houston, TX

Bank Statement

Oil & gas consultant

$1.2M

Austin, TX

DSCR

Tech professional with rentals

$950K

Dallas, TX

P&L Only

Restaurant franchise owner

$680K

San Antonio, TX

Asset Depletion

Retired military officer

Ready to Get Started in Texas?

Get your personalized NON-QM loan quote in 60 seconds. No credit check required.