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?

Real estate investors
Self-employed business owners
Freelancers and contractors
High net worth individuals
Retirees with significant assets
Foreign nationals investing in US

Building Your Portfolio?

Daisy can help you structure financing for multiple properties and maximize your investment potential.

Investor Consultation

Investor Loan FAQs

Ready to Finance Your Next Investment?

Daisy specializes in creative lending for real estate investors.