All Texas Tech Credit Union branches will be closed on Monday, October 12th in observance of Columbus Day.

Texas Tech Credit Union
A street of West Texas homes

DSCR Loan Financing

Optimize investments with DSCR loans.

Utilize investment properties to your advantage. Maximize your investment potential with loans based on property cash flow.

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What is a DSCR loan?

A DSCR loan is designed for real estate investors and is based on the property's Debt Service Coverage Ratio. It allows for easier qualification by focusing on the income generated by the property rather than the borrower's personal income.

Why choose a DSCR loan?

Explore DSCR loan details and benefits.

No income documents needed

With DSCR loans, borrowers can qualify without the need for traditional income verification documents, simplifying the loan process overall.

Close in the name of your business

With a DSCR loan, you can close in the name of your business, allowing for streamlined asset management and enhanced liability protection.

Flexible rate options

Tailor your rate with DSCR loans: select from options with no prepayment penalty or penalties for 1, 2, or 3 years, giving you flexibility and control.

Beginner friendly

This product welcomes new and seasoned investors, offering the opportunity to leverage DSCR loans for their investment needs with ease and confidence.

Versatile options for your home financing

Discover your DSCR loan options.

DSCR Purchase Loan

A DSCR Purchase loan is ideal for real estate investors looking to acquire income-generating properties. This loan type focuses on the property's cash flow, making it easier to qualify and secure financing.

Benefits

  • Flexible financing
  • Potential for higher loan amounts
  • Easier qualification

Mortgage lending across West Texas.

A dedicated team in every market we serve.

panhandle

Amarillo

A dedicated team serving Amarillo and the surrounding Panhandle.

Learn More A Texas Tech Credit Union loan officer with a member
south plains

Lubbock

Where it all started. Fast approvals and local expertise for South Plains buyers.

Learn More Texas Tech Credit Union team members in the Lubbock branch
Permian basin

Midland

Dedicated mortgage support for Midland and Permian Basin homebuyers.

Learn More A Texas Tech Credit Union loan officer at her desk

Get to know your local mortgage team.

Our loan officers know this market and are ready to guide you from application to closing.

Meet the Team

The mortgage process

Your mortgage, step by step.

We keep the process simple so you can focus on finding the right home.

step 1

Meet with an expert.

Connect with one of our local mortgage loan officers to talk through your goals, explore your options, and get the process started.

step 2

Upload your documents.

Download the Texas Tech Credit Union mortgage app to securely upload your documents and kick off your pre-qualification.*

Download on the App Store Get it on Google Play

step 3

Begin house hunting.

With pre-qualification in hand, start searching for your home knowing the budget you're working with.

step 4

Close and get the keys.

Once you've found the right home, our team will guide you through a smooth and timely closing process.

Manage your mortgage from anywhere.

Stay on top of every step with the Texas Tech Credit Union mortgage app. Upload documents, check your status, and connect with your team on the go.

Download on the App Store Get it on Google Play

Ready to take the next step?

Interested in a DSCR loan? A dedicated loan officer is ready to walk you through your options and get you to closing day.

Apply Now
*

Pre-qualification is subject to credit history and financial statement review.