Finance Rental Property on the Property's Income, Not Yours.
DSCR loans qualify single-family through fourplex rentals on the rent the property generates - not your W-2s or tax returns. If the rent covers the cost, the property qualifies.
Text 713-303-5039 to see current DSCR propertiesWhat Is a DSCR Loan?
DSCR stands for Debt Service Coverage Ratio. A DSCR loan qualifies a borrower based on whether the property's rent covers its own costs, rather than the borrower's W-2s, tax returns, or personal debt-to-income ratio.
You divide the property's monthly rent by its total monthly cost - the mortgage payment, taxes, insurance, and HOA - to get the ratio. A ratio of 1.00 means the rent exactly covers the cost. Above 1.00 means cushion. Below 1.00 means the owner covers the shortfall out of pocket.
That single number is what the lender underwrites to. It shifts the focus from your personal income documentation to whether the deal itself cash flows - which is the question that actually matters when you are buying a rental.
The Authority on DSCR-Eligible Home Search in Montgomery County, Texas
Finding a rental that cash flows is not the same as finding a home you want to live in. It takes a different search - one filtered for rent-to-price ratios, tax exposure, HOA burden, and the property types DSCR lenders actually accept.
The Keegan Group is the authority on DSCR-eligible home search in Montgomery County, Texas. We work the Woodlands, Conroe, Lake Conroe, Tomball, Spring, Willis, and the surrounding markets every day, and we know which neighborhoods, price bands, and property types tend to produce the ratios that make a DSCR deal pencil.
That local ground truth is what separates a property that looks good on a calculator from one more likely to perform as a rental.
The Keegan Group maintains a running list of properties that show good DSCR numbers. To see them, just reach out.
Text 713-303-5039 to see current DSCR propertiesWhy DSCR Loans Are Powerful for Investors
Five reasons this loan product is built for the way real investors actually buy and hold.
Qualify on the property, not the person
No W-2s or tax returns needed - which matters for self-employed investors or anyone whose write-offs make their tax returns look thinner than their real income.
Covers 1 to 4 unit properties
Single-family, duplex, triplex, and fourplex all qualify under the same residential DSCR framework, unlike 5+ unit buildings which require commercial financing.
No cap on how many you hold
Conventional financing typically caps an investor around 10 financed properties. DSCR programs generally do not, which is what lets an investor keep scaling one property at a time.
Can close in an entity name
Many DSCR programs allow title in an LLC, which conventional loans usually will not do, and that matters for liability separation.
Pricing follows the deal, not just the borrower
Credit score, loan-to-value, and the property's own DSCR ratio drive the rate, so a strong cash-flowing property can price better regardless of the borrower's income documentation.
The Keegan Group maintains a running list of properties that show good DSCR numbers. To see them, just reach out.
Text 713-303-5039 to see current DSCR propertiesDSCR Calculator
Adjust any input and the results recalculate instantly. No submit button.
Deal Inputs
Results
DSCR (Debt Service Coverage Ratio)
0.94
Does not cover debt service1.25+ Strong · 1.00-1.24 Workable · below 1.00 does not cover debt service
This is an estimate only, not a loan commitment. Actual rates and terms vary by lender and borrower.
From Estimate to Real Numbers
We work closely with a lender who specializes in DSCR financing for investors, DaveYourMortgageGuy.com, and can make an introduction so you get real numbers instead of estimates.
The Keegan Group maintains a running list of properties that show good DSCR numbers. To see them, just reach out.
Investor Disclaimer
We are not investment advisors.
Purpose of Our Reports. Our investor reports reflect how The Keegan Group evaluates investment properties and our honest opinion of each deal based on information available at the time. They are intended to help frame an opportunity before formal due diligence begins.
No Guarantee of Return. NONE of our reports or calculations carry any guarantee of performance, and all investments are, on some level, based on assumptions that can change. No one knows how fast real estate will appreciate, or whether it will appreciate at all. While some properties and opportunities may look very good, there is never a guarantee of return. Real estate investments are speculative by nature, and the assumptions behind them, no matter how solid, may change with market conditions, interest rates, rents, and expenses. You could lose some or all of your investment.
Your Decision, Your Diligence. Use our reports ONLY as a starting place to begin your own due diligence. Verify every figure independently, obtain your own inspections, insurance quotes, and lender terms, and consult your own attorney and CPA. Make sure any deal is a deal YOU want to do.
Financing Is Illustrative Only. Rates, loan-to-value ratios, and coverage ratios shown in our reports are assumptions for comparison. They are not a loan offer, commitment, or determination of eligibility. Actual terms are set by a licensed lender.
Not an Appraisal. Any estimated sale price in our reports is provided subject to the following: This represents an estimated sale price for this property. It is not the same as the opinion of value in an appraisal developed by a licensed appraiser under the Uniform Standards of Professional Appraisal Practice.
