Non-QM Mortgage Specialists • Austin, TX • TX SML
Non-QM Mortgage Loans in Austin — Tech Income, STR & Self-Employed
Austin’s tech boom has created a wave of borrowers with complex income — startup equity, RSUs, consulting income, and 1099 payments. Plus one of Texas’s most active Airbnb markets downtown. We have Non-QM solutions for the full Austin borrower spectrum.
$500K–$550K
Austin median price
Tech RSU
income documented
Active STR
SXSW & ACL market
21 Days
typical close
Austin: Where Tech Income Meets a Hot Real Estate Market
Austin has become one of the US’s most expensive tech-driven real estate markets, with median prices around $500K–$550K in the core Austin area and neighborhoods like West Lake Hills and Tarrytown exceeding $1.5M. The arrival of Tesla, Apple, Google, Oracle, and hundreds of startups has brought a workforce with income profiles unlike anything traditional Texas mortgage banks are used to underwriting. Austin’s short-term rental market is also one of the strongest in Texas. Properties near 6th Street, Rainey Street, and South Congress generate strong Airbnb income from music festival crowds, SXSW, ACL Fest, and year-round tourism. Meanwhile, the broader Austin metro — Cedar Park, Round Rock, Pflugerville, and Bastrop — offers DSCR investors more affordable entry points with strong rental demand.
Austin Borrower Profiles
- Tech founders and startup executives with equity or low W-2 salaries
- Software engineers at Tesla, Apple, Google, Dell, and Oracle with RSUs
- Tech consultants and contractors working with Austin’s startup ecosystem
- Creative professionals: musicians, content creators, filmmakers, designers
- Real estate professionals and investors capitalizing on Austin’s growth
- California transplants with Non-QM income who moved for quality of life
Austin Real Estate Investors
- Airbnb hosts near 6th Street, Rainey Street, South Congress, and downtown
- DSCR rental investors in East Austin, North Loop, and St. John’s
- STR festival property investors near Barton Springs and Zilker Park
- Fix-and-flip investors in transitional east and southeast Austin
- Spec builders in Round Rock, Pflugerville, and suburban Travis County
- DSCR investors in the more affordable suburbs: Cedar Park, Kyle, Buda
Non-QM Loan Programs Available in Austin
All programs available for purchase, refinance, and cash-out in Austin and surrounding TX markets.
Bank Statement Loans
Qualify using 12–24 months of bank deposits. The #1 program for self-employed Austin borrowers.
DSCR Loans
Property cash flow qualifies you. No personal income required. Scale your Austin rental portfolio.
Short-Term Rental Loans
Airbnb and VRBO income accepted. AirDNA projections count for Austin-area STR properties.
Fix & Flip Loans
ARV-based bridge financing. Close in 5–14 days on Austin-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 Austin-area deals. Asset-based, minimal documentation.
Ground Up Construction
Spec builder and owner-occupied construction financing for Austin and surrounding areas.
P&L Statement Loans
CPA-prepared P&L replaces tax returns. Simplest doc path for Austin business owners.
Large Loans to $35M
Portfolio lenders for luxury and large commercial transactions in the Austin market.
Commercial Real Estate
Office, retail, industrial, and special-use commercial loans in Austin.
Cannabis-Friendly Loans
State-licensed cannabis business owners approved where banks decline.
Non-QM Mortgage FAQ — Austin
Can startup founders with low W-2 income get a mortgage in Austin?
Yes. This is one of Austin’s most common Non-QM scenarios. A founder paying themselves $120K while their company generates millions is well-served by bank statement or P&L loans that document actual business cash flow.
Are Austin Airbnb properties good STR loan candidates?
Yes. Downtown Austin properties near Rainey Street, 6th Street, and South Congress generate strong Airbnb income especially during SXSW, ACL Fest, Formula 1, and football season. AirDNA data for downtown Austin supports strong STR DSCR qualification.
Can RSU income from Tesla or Apple qualify for a mortgage?
RSU income can qualify if it’s documented and likely to continue. We work with lenders who understand tech equity compensation and can credit RSU income based on vesting schedules and consistent payment history.
What Austin neighborhoods and suburbs do you serve?
All of Travis County and surrounding areas — downtown Austin, East Austin, South Austin, North Austin, Westlake Hills, Cedar Park, Round Rock, Georgetown, Pflugerville, Bastrop, Kyle, Buda, Dripping Springs, and Lakeway.
Why Abo Capital for Your Austin 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 Austin?
Tell us your situation — self-employed, investor, or both — and we’ll find the right program in 24 hours. No commitment required.