Licensed in Texas • NMLS 1763084 • TX SML
Texas Non-QM Mortgage Lenders — Self-Employed, Investors & More
Texas has one of the most entrepreneurial economies in the US — oil and gas, tech, healthcare, construction, and a massive small business community. We specialize in Non-QM mortgages for Texas borrowers who need bank statement loans, DSCR investment programs, and large loan amounts.
TX License
SML
Major Growth
state for RE investment
3 Key Markets
Houston, Dallas, Austin
12 Programs
Non-QM options
Non-QM Mortgage Demand Across Texas
Texas has attracted more domestic migration than any other state over the past decade. The result is a real estate market with strong demand, rising prices, and an increasingly diverse buyer pool that includes tech workers from the coasts, oil and gas professionals, entrepreneurs from every sector, and a large immigrant business owner community in Houston, Dallas, and San Antonio. Texas home prices have risen significantly but remain below coastal markets — making it one of the best DSCR investment markets in the country. Houston, Dallas, and San Antonio offer DSCR investors a combination of purchase prices, rental rates, and occupancy levels that produce positive cash flow ratios. Austin’s tech boom has created an entirely new class of self-employed borrowers with RSU income, startup equity, and consultant income that requires Non-QM documentation.
Texas Self-Employed Borrowers
- Oil and gas professionals, engineers, and contractors in Houston and Midland
- Tech workers and startup founders in Austin
- Healthcare professionals and practice owners statewide
- Construction contractors throughout the major Texas metros
- Hispanic and immigrant business owners in Houston, Dallas, and San Antonio
- Agriculture and ranch business operators in rural Texas
Texas Real Estate Investors
- DSCR rental investors throughout Houston, Dallas, Austin, and San Antonio
- Airbnb investors in Austin, San Antonio, and gulf coast markets
- Fix-and-flip investors in transitional neighborhoods across the state
- Ground-up spec builders in suburban Texas growth markets
- Multifamily investors statewide (5+ unit apartments)
- Commercial real estate investors across Texas metros
Non-QM Loan Programs Available in Texas
All programs available for purchase, refinance, and cash-out in Texas and surrounding TX markets.
Bank Statement Loans
Qualify using 12–24 months of bank deposits. The #1 program for self-employed Texas borrowers.
DSCR Loans
Property cash flow qualifies you. No personal income required. Scale your Texas rental portfolio.
Short-Term Rental Loans
Airbnb and VRBO income accepted. AirDNA projections count for Texas-area STR properties.
Fix & Flip Loans
ARV-based bridge financing. Close in 5–14 days on Texas-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 Texas-area deals. Asset-based, minimal documentation.
Ground Up Construction
Spec builder and owner-occupied construction financing for Texas and surrounding areas.
P&L Statement Loans
CPA-prepared P&L replaces tax returns. Simplest doc path for Texas business owners.
Large Loans to $35M
Portfolio lenders for luxury and large commercial transactions in the Texas market.
Commercial Real Estate
Office, retail, industrial, and special-use commercial loans in Texas.
Cannabis-Friendly Loans
State-licensed cannabis business owners approved where banks decline.
Non-QM Mortgage FAQ — Texas
Do you lend in all Texas cities?
Yes. We are licensed statewide in Texas (SML) and originate in all major Texas metros — Houston, Dallas, Austin, San Antonio, Fort Worth, El Paso, Plano, Arlington, Corpus Christi, Lubbock, Abilene, and beyond.
Is Texas a good market for DSCR investment loans?
Yes — one of the best in the country. Texas has lower purchase prices than coastal markets, strong rental demand from corporate relocations and population growth, and a landlord-friendly legal environment. DSCR ratios above 1.0 are achievable in most major Texas markets.
Can oil and gas professionals qualify for bank statement loans?
Yes. O&G contractors, consultants, and service company owners frequently use bank statement loans. Income can be variable but deposits over 12–24 months document strong earning capacity even when tax returns show limited taxable income.
Are there Non-QM programs for Texas ranch and land purchases?
Land loans are more limited, but rural residential and agricultural-adjacent residential properties are available in some programs. Improved land with a home or structure is more straightforward than raw land. Discuss your specific rural Texas situation with us.
Does Texas have No Income Verification (NINA) loans?
True no-income-no-asset loans are rare and very limited. However, DSCR loans for investment properties require no personal income documentation — only the property’s rental income. This is the closest modern equivalent to NINA for investors.
Can I buy in Texas with cryptocurrency gains?
Yes, if the crypto has been converted to USD and appears in bank deposits. We document this through bank statement methodology. Pure crypto-to-property transactions are not available — the income must flow through a US bank account.
Why Abo Capital for Your Texas 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 Texas?
Tell us your situation — self-employed, investor, or both — and we’ll find the right program in 24 hours. No commitment required.