Investment property financing built for Texas
Texas has one of the country’s largest economies, and its investment-property market runs deep across the “Texas Triangle” — Dallas–Fort Worth, Houston, San Antonio, and Austin — plus El Paso, the Permian Basin, the Rio Grande Valley, and Corpus Christi. New City Financial finances business-purpose real estate across all of them the way investors actually operate — on the strength of the property, not a stack of personal paperwork — with a fast, predictable process from quote to close.
Because we underwrite the asset’s cash flow rather than your tax returns, our programs fit the realities of the Texas market: the households and businesses relocating in from higher-tax states, self-employed and portfolio investors, and LLC-titled property across a fast-growing, liquid market. Whether you’re acquiring a rental in San Antonio, refinancing an industrial building in Dallas–Fort Worth, or pulling cash out of a Houston portfolio, you get one lender, one set of terms, and a straight answer quickly.
DSCR loans in Texas
A DSCR loan qualifies on the property’s income instead of your personal income: we divide its net operating income by the annual loan payments (the debt-service coverage ratio) and lend from a 1.0 DSCR, with up to 75% LTV, $75K–$50MM, and credit from a 500 FICO. That’s why many Texas investors use DSCR loans to buy, refinance, or pull cash out of rentals and commercial property without tax returns.
Texas has no state personal income tax, but its property taxes are among the highest in the country, and insurance costs run high along the Gulf Coast. Both come straight out of a property’s net operating income, so we underwrite Texas DSCR loans on current tax and insurance figures — the numbers that actually set the coverage ratio.
Refinancing? See our DSCR refinance program or the commercial real estate refinance guide.
Loan programs for Texas investors
Every New City Financial program is available on qualifying Texas investment and commercial property. Not sure which fits your deal? Start the form and we’ll route you to the right one.
Cash-Out Refinance
Tap into your property's equity to access capital for your next investment or business opportunity.
Learn moreDSCR Refinance
Refinance your investment property based on cash flow rather than personal income.
Learn moreMulti-Family & Apartment Loans
Financing solutions for apartment complexes and multifamily residential properties of all sizes.
Learn moreDSCR Loans
Qualify on the property's rental cash flow, not your personal income — purchase investment property with no tax returns.
Learn moreFix and Flip Loans
Fast funding for fix-and-flip projects with competitive rates and flexible terms designed for investors.
Learn moreARV Loans
Loans based on the after-repair value of your property, not just the current value.
Learn moreForeign Investor Loans
Financing solutions for international investors looking to purchase commercial and investment properties.
Learn moreProperty types we finance in Texas
We lend on business-purpose investment and commercial real estate across Texas — from single-family rentals and small multifamily to larger apartment, retail, office, industrial, and mixed-use assets. Owner-occupied commercial space is eligible; primary residences are not.
Why Texas investors choose New City Financial
We finance the property, not your paperwork
Approval is based on the property’s rental income (its DSCR) — no personal tax returns, W-2s, or employment verification. Ideal for investors with strong properties but complex personal finances.
Considered from a 500 FICO
Where most lenders draw the line at a 620–680 score, a cash-flowing, business-purpose property can carry the loan. First-time and portfolio investors are both welcome.
Close in under 3 weeks
Investor-focused underwriting and minimal paperwork mean most files fund fast — the speed that wins competitive deals and lets you scale.
One lender, consistent terms
Up to 75% LTV, loans from $75K to $50MM, on a single set of terms across 40+ states — so you can grow a portfolio without switching lenders deal to deal.
Financing a property in Texas? Get your number in minutes.
Checking your rate is a soft inquiry — it won’t affect your credit score, and there’s no obligation.
Texas commercial loan FAQs
Does New City Financial lend on investment property in Texas?
Yes. We finance business-purpose investment and commercial real estate across Texas — throughout the “Texas Triangle” of Dallas–Fort Worth, Houston, San Antonio, and Austin, plus El Paso, the Permian Basin, the Rio Grande Valley, and Corpus Christi. Loans run from $75K to $50MM at up to 75% LTV.
Can I get a Texas commercial loan without tax returns?
Yes. Our DSCR programs qualify the loan on the property’s rental cash flow rather than your personal income, so no tax returns, W-2s, or employment verification are required — a strong fit for the self-employed and relocating investors pouring into Texas.
What credit score do I need for a DSCR loan in Texas?
Credit is considered from a 500 FICO. Because approval leans on the property’s cash flow and a standard loan-to-value of up to 75%, a strong Texas asset can carry the loan even when personal credit is imperfect.
How fast can you close a commercial loan in Texas?
Most Texas files close in under three weeks. Investor-focused underwriting and minimal documentation keep the process fast — important in high-growth metros like DFW, Houston, and Austin where competitive deals reward speed.
What loan-to-value can I get on Texas investment property?
Up to 75% LTV. You’ll typically bring 25% or more as equity; stronger credit and property cash flow generally earn better pricing. Loans range from $75K to $50MM across all eligible property types.
Do you finance larger commercial deals in Texas?
Yes. Texas is a deep, liquid market, and our loans scale to $50MM — so alongside single rentals and small multifamily, we can finance larger apartment, industrial, retail, and mixed-use assets across the Triangle metros and beyond.
Financing your Texas deal with New City Financial
New City Financial provides business-purpose financing on Texas investment and commercial property — multifamily, industrial, retail, mixed-use, office, and more. Qualify on the property’s cash flow (DSCR), not your personal tax returns, with up to 75% LTV, loans from $75K to $50MM, a 500 FICO minimum, and closings in under three weeks. Owner-occupied commercial space is eligible; primary residences are not. Get a no-obligation quote in minutes, or call (855) 848-2862 to talk it through with a specialist.