Aiden Fahimi
Aiden Fahimi of Expo Lending LLC writes about DSCR loans (standard), DSCR interest-only, Sub-1.0 DSCR and related financing for borrowers in Texas.
- Taxes and Insurance Are Half Your Texas DSCR Ratio
In Texas, escrow often rivals principal and interest on a rental. Here is how taxes and hazard coverage move a DSCR ratio, and which DSCR structures respond.
- Non-QM vs. DSCR: Which Bucket Is Your Texas Deal?
Most Texas investors are told DSCR means rent covers payment. That is one version of it. Here is how to tell which bucket your deal actually belongs in.
- Jumbo DSCR in Texas: When Loan Size Changes the File
How large investment property loans in Dallas-Fort Worth and Houston move past standard DSCR, and which DSCR structures still work at jumbo balances.
- What Counts as an Asset When You Have No Income
Texas asset-based lending: which accounts underwriters can actually use, how the qualifying math works, and when a DSCR structure beats it entirely.
- Build-to-Rent in Houston: Construction Then DSCR
How a Houston suburb build-to-rent project moves from construction financing into a DSCR loan — draw mechanics, exit underwriting, and the DSCR variants that fit.
- Hard Money to DSCR in DFW Without a Second Headache
How Dallas-Fort Worth investors plan the hard money exit into the right kind of DSCR loan — seasoning, entity vesting, and the structures that fit.
- Write-Offs, Bank Statements, or DSCR on the Rental?
Two years of aggressive write-offs don't have to block a Texas rental purchase. How bank statement loans and the several kinds of DSCR loan actually differ.
- Why Texas DSCR Deals Die at Underwriting
Six things that actually kill a DSCR file in Dallas-Fort Worth and Houston at underwriting — and which of the DSCR structures solves each one.
- Houston DSCR Loans: Insurance, Tax and Which Structure Fits
Flood insurance, Harris County tax bills and energy-sector tenant demand all move a Houston DSCR ratio. Here is which DSCR or non-QM structure survives them.
- Dallas Investment Property Financing: DSCR Options
Dallas taxes and insurance sit inside the DSCR ratio, not beside it. How interest-only, sub-1.0, STR and portfolio DSCR options change what qualifies.
- DSCR Cash-Out Refinance vs. Your Texas Homestead
Why pulling equity out of a Texas rental works nothing like a cash-out on your own home — and the several forms a DSCR cash-out refinance can take.
- Five Doors, One Loan: Fort Worth DSCR Portfolio Loans
You own several Fort Worth rentals. Here is how a DSCR portfolio loan blends them into one file, what cross-collateralization costs you, and when to skip it.
- LLC or Personal Name on a Texas DSCR Purchase?
How entity vesting actually changes a Texas DSCR file — underwriting, personal guarantees, title and insurance — and when taking title in your own name is fine.
- Interest-Only vs Amortized DSCR on a Dallas Rental
When interest-only DSCR beats a fully amortized DSCR loan on a Dallas rental — how the coverage math changes, what the reset costs you, and how to choose.
- How Lenders Underwrite Texas Short-Term Rental Income
How DSCR lenders underwrite projected nightly income on a Galveston or Fredericksburg short-term rental, and which DSCR structure fits when the ratio is thin.
- Six Kinds of DSCR Loan a Texas Investor Can Use
DSCR is not one product. Standard, interest-only, sub-1.0, short-term rental, entity-vested and portfolio DSCR each solve a different problem in DFW and Houston.
- Sub-1.0 DSCR Financing in Texas: What It Takes
Your Dallas-Fort Worth or Houston rental doesn't cover the payment. Here is how sub-1.0 DSCR underwriting actually works, and what a lender wants instead.