Property taxes
Central Texas investment-property taxes can be a large share of PITIA, so use investor assumptions rather than homestead figures when testing DSCR.
Austin real estate investor loans
Austin DSCR Loans and Fix and Flip Financing
Finance Austin rental property purchases, cash-out refinances, and renovation projects with a DSCR loan lender that reviews rent, taxes, insurance, scope, value, and exit together. First-time Austin investors are welcome — prior investment experience is not required for eligible programs, and credit scores as low as 520 may be considered, subject to underwriting.
Austin · DSCR rental loans + rehab capital
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Single-family rentals
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Duplexes and fourplexes
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Condos and townhomes
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Residential rehabs
Local deal context
What investors should bring into the financing conversation.
Submarket rent
Rent support should reflect the specific Austin submarket—downtown, east side, north corridor, or suburban Williamson and Hays County.
Resale timing
Flip exits should assume a realistic days-on-market and carrying period rather than a peak-market sale.
Rental strategy
DSCR loans in this market
An Austin DSCR loan can qualify a rental purchase or refinance using eligible rental income against PITIA rather than traditional personal income verification. Mayday reviews market rent or leases, investment-property taxes, insurance, HOA dues, valuation, reserves, and the requested leverage before discussing structure.
Explore DSCR loansRenovation strategy
Fix and flip private lending
Austin fix and flip loans can fund acquisition plus eligible rehab costs through draws. A fix and flip private lender review centers on loan-to-cost, scope of work, contractor pricing, supported after-repair value, holding timeline, borrower liquidity, and whether the exit is a resale or a DSCR refinance.
Explore fix and flip loansStart where you are — in Austin.
Austin DSCR and fix and flip loans for first-time investors, with credit scores as low as 520 considered.
You do not need a completed Austin deal to start a serious financing conversation. Mayday reviews the Austin property, the rent or renovation plan, and your exit together, including programs that may consider credit scores as low as 520.
First-time Austin investors
No prior investment deal is required for eligible programs — your first Austin rental or rehab can be reviewed on the strength of the property, resources, team, and exit.
Credit scores from 520
Mayday programs may consider credit scores as low as 520 for Austin investors, subject to full underwriting.
Human deal review
A real reviewer looks at the Austin property, budget or rent, available funds, project team, and exit together.
A 520 credit score is a program minimum, not an approval guarantee. Eligibility, pricing, leverage, reserves, documentation, property quality, and exit strategy affect qualification. All financing is subject to underwriting and final approval.
Faster scenario review
Prepare the local deal facts.
A complete file helps Mayday evaluate the property, requested structure, and timeline without making assumptions.
Property address, contract or payoff statement
Requested loan amount and target closing date
Current or projected rent and property expenses
Rehab scope, budget, timeline, and supported ARV
Borrowing entity, experience, liquidity, and exit plan
Areas served
DSCR and fix and flip lending across Austin, Travis County, and Central Texas.
Mayday reviews Austin investment property loans across Travis County and the fast-growing Williamson and Hays County suburbs, from East Austin rentals and North Loop duplexes to Round Rock, Pflugerville, Kyle, and Buda single-family deals. Central Texas tax rates, submarket rent evidence, and realistic resale timing are the details that most often change the numbers.
Travis CountyWilliamson CountyHays County
Neighborhoods and submarkets reviewed
East Austin and Govalle
North Loop and Crestview
South Austin and St. Edwards
Round Rock and Pflugerville
Kyle and Buda
Cedar Park and Leander
Mayday reviews deals remotely and does not maintain an office in every market listed. Coverage and program availability vary and all financing is subject to underwriting.
Submit your deal
Send the details and get a real response.
Share the property, requested structure, and timeline. Mayday reviews the scenario and follows up with next steps or the information still needed. There is no obligation and every term is subject to underwriting.
Property-specific review, not an automated score
Bilingual support in English and Spanish
Your details stay private and are never sold
Local financing FAQ
Answers for investors evaluating this market.
Nearby markets
Explore more local lending pages.
Market coverage and program availability vary. All financing is subject to eligibility, documentation, underwriting, valuation, and final approval. Local market information is general and should be independently verified.
Local knowledge. National reach.