Airbnb, long-term rental, multifamily — grow your Austin portfolio without showing personal income.
Austin is one of the top short-term rental markets in the country. Wimberley, Dripping Springs, and East Austin Airbnbs generate $4,000–$8,000/month during peak season. DSCR loans are purpose-built for this kind of investment — no personal income verification, no tax return requirements, and LLC vesting available. But Texas property taxes hit hard in Austin. On a $550,000 STR property, taxes run $12,000/year ($1,000/month). That's built into the DSCR calculation. I model it correctly so the deal you think works actually does work.
East Austin STR properties in the 78702 and 78721 zip codes have some of the highest nightly rates in the metro. But be aware that the City of Austin STR regulations and permit process need to be verified before purchase — I track which areas are still STR-permitted.
Austin DSCR approvals require the most careful upfront modeling of any Texas market because of high property taxes. I build a detailed deal analysis spreadsheet before we pull credit or order appraisals. If the deal doesn't work mathematically, I tell you before you waste time and money.
DSCR rates in Austin run 1.0–2.0% above conventional owner-occupied rates due to the investment property add-on. 25–30% down is standard. STR properties sometimes carry an additional premium. Travis County taxes dramatically affect the DSCR ratio compared to other Texas markets.
Yes. Many DSCR programs work for STRs in Hays County — Wimberley, Dripping Springs, and Kyle. The key is verifying that the city/county allows STRs (Wimberley has been STR-friendly) and that the rental income projection supports the DSCR threshold. I work with lenders that specialize in Hill Country STR financing.
It's harder in Austin proper than in suburban markets. The math is tighter. But luxury STRs and high-performing Airbnbs in East Austin and South Austin can still clear 1.0+ DSCR with the right property and management. Suburban markets (Kyle, Pflugerville) are easier to pencil at current rent levels. I model each deal individually.
Yes — DSCR lenders have no limit on the number of financed properties (unlike conventional, which caps at 10). Some DSCR programs allow portfolio-level underwriting for multiple properties in a single closing, which can save time and costs for active investors.
Austin prices are high — but FHA with down payment assistance is still your fastest path to owning.
Learn More →Austin prices are high — VA with zero down and no PMI is how veterans stay in the game.
Learn More →From 3% down starter loans to move-up jumbo-adjacent financing — conventional covers Austin's range.
Learn More →Free consultation. I'll tell you exactly what you qualify for in Austin and what your real monthly payment will be. Pre-approval in 24 hours.
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