Non-QM Mortgage Specialists • San Antonio, TX • TX SML
Non-QM Mortgage Loans in San Antonio — Military, Healthcare & Business Owners
San Antonio is one of Texas’s most affordable major metros — and one of its best DSCR rental investment markets. Military contractors, healthcare professionals, tourism business owners, and real estate investors throughout the Alamo City benefit from our full range of Non-QM programs.
$280K–$330K
SA median price
5 Military Bases
stable tenant demand
Tourism Economy
River Walk business owners
21 Days
typical close
San Antonio: Affordability Meets Strong Rental Demand
San Antonio combines Texas’s characteristic affordability — median home prices around $280K–$330K — with strong population growth and rental demand fueled by the military, healthcare, and tourism industries. The five military bases around San Antonio (Lackland AFB, Fort Sam Houston, Randolph AFB, Camp Bullis, and Laughlin) create a massive and steady tenant base for rental property investors. The River Walk corridor and the tourism economy support a large population of restaurant, hotel, and hospitality business owners who benefit from bank statement loan programs. Healthcare professionals at UT Health San Antonio, Baptist Health, and the city’s growing medical industry are also common Non-QM borrowers.
San Antonio Borrower Profiles
- Military contractors and defense industry professionals at SA-area bases
- Healthcare professionals at UT Health, Methodist, and Baptist Health systems
- Tourism, hospitality, and River Walk area business owners
- Hispanic-owned small businesses and entrepreneurs throughout Bexar County
- CPS Energy and utility sector contractors
- Tech workers at USAA, Rackspace, and the growing tech sector
San Antonio Investors
- DSCR rental investors with military tenant base near Joint Base San Antonio
- Airbnb investors near the River Walk, Pearl District, and Alamo
- Fix-and-flip investors in King William, Dignowity Hill, and Midtown
- DSCR investors in the Stone Oak, Helotes, and northwest San Antonio suburbs
- Multifamily investors in Bexar County
- Out-of-state investors buying SA cash-flow properties at low entry prices
Non-QM Loan Programs Available in San Antonio
All programs available for purchase, refinance, and cash-out in San Antonio and surrounding TX markets.
Bank Statement Loans
Qualify using 12–24 months of bank deposits. The #1 program for self-employed San Antonio borrowers.
DSCR Loans
Property cash flow qualifies you. No personal income required. Scale your San Antonio rental portfolio.
Short-Term Rental Loans
Airbnb and VRBO income accepted. AirDNA projections count for San Antonio-area STR properties.
Fix & Flip Loans
ARV-based bridge financing. Close in 5–14 days on San Antonio-area rehab deals.
Asset Depletion Loans
Convert investment accounts and savings into qualifying income — no job required.
Hard Money & Bridge
7–14 day closings on San Antonio-area deals. Asset-based, minimal documentation.
Ground Up Construction
Spec builder and owner-occupied construction financing for San Antonio and surrounding areas.
P&L Statement Loans
CPA-prepared P&L replaces tax returns. Simplest doc path for San Antonio business owners.
Large Loans to $35M
Portfolio lenders for luxury and large commercial transactions in the San Antonio market.
Multifamily Commercial
5+ unit apartment and mixed-use financing in San Antonio and TX.
Commercial Real Estate
Office, retail, industrial, and special-use commercial loans in San Antonio.
Cannabis-Friendly Loans
State-licensed cannabis business owners approved where banks decline.
Non-QM Mortgage FAQ — San Antonio
Is San Antonio a good DSCR rental investment market?
Yes — one of the best value DSCR markets in Texas. Lower purchase prices, a stable military tenant base, and growing population produce DSCR ratios above 1.0 in many neighborhoods near the bases and medical district.
Can military contractors qualify for bank statement loans?
Yes. Defense contractors working under project or consulting contracts are ideal bank statement candidates. 12–24 months of consistent deposits from DoD contracts document reliable income even without a traditional W-2.
Are there loans for tourism business owners in San Antonio?
Yes. River Walk restaurant owners, hotel operators, and hospitality entrepreneurs use bank statement and P&L programs. San Antonio’s tourism economy is consistent, which produces stable deposit histories for loan qualification.
What San Antonio areas do you serve?
All of Bexar County — San Antonio, Leon Valley, Converse, Schertz, Universal City, Helotes, Castle Hills, Fair Oaks Ranch, and all surrounding communities. We also originate in Comal, Guadalupe, and Medina counties.
Why Abo Capital for Your San Antonio Mortgage?
- 35+ years originating Non-QM loans in California, Florida, and Texas
- $500M+ funded across all three states for self-employed and investor borrowers
- 15+ loan programs — we find the one that works for your situation
- 50+ lender relationships — we shop the market, you get the best terms
- 24–48 hour pre-approval response on most programs
- 21-day closings on standard Non-QM; 7–14 days on hard money
- Licensed in CA (BRE 01167081), FL (MBR4882), and TX (SML)
- NMLS #1763084 — call us directly: (310) 312-1200
Ready to Get Approved in San Antonio?
Tell us your situation — self-employed, investor, or both — and we’ll find the right program in 24 hours. No commitment required.