Investor Loans Houston TX
DSCR, bank statement, and asset-based loans for real estate investors.
No tax returns required. Qualify with property cash flow.
Investor Loan Options
DSCR Loans
Debt Service Coverage Ratio
Qualify based on property cash flow, not personal income. Perfect for experienced investors.
- No personal income verification
- Based on property rental income
- Multiple properties allowed
- LLCs and corporations OK
Requirements: 20-25% down, 1.0+ DSCR ratio, 680+ credit
Bank Statement Loans
12-24 Month Statements
Use bank deposits instead of tax returns to qualify. Great for self-employed borrowers.
- No tax returns required
- 12 or 24 month options
- Personal or business statements
- Investment properties OK
Requirements: 10-20% down, 12+ months statements, 660+ credit
Fix & Flip Loans — Hard Money Financing for Investors
If you're purchasing a property to renovate and resell, a fix & flip hard money loan gives you fast, flexible financing based on the property's value — not just your personal income. Perfect for experienced investors and first-time flippers alike.
Key Loan Terms
- Up to 70% of ARV (After Repair Value — the future value after renovations)
- Up to 85% of purchase price + rehab costs combined
- Interest-only monthly payments during the loan term
- 12-month loan term (extensions available if needed)
Required Documents
- Sales contract
- Credit report (620+ minimum — tri-merge required)
- Construction / rehab budget
- 2 months bank statements (to demonstrate rehab funds availability)
- List of properties you currently own (REO schedule or completed 1003 loan application)
- LLC documents — if applicable (Operating Agreement or Articles of Incorporation)
- Copy of valid ID(s)
- Insurance policy (must be in place by closing)
- Clear title commitment
Who Are These Loans For?
Building Your Portfolio?
Daisy can help you structure financing for multiple properties and maximize your investment potential.
Investor ConsultationInvestor Loan FAQs
Ready to Finance Your Next Investment?
Daisy specializes in creative lending for real estate investors.