Austin, TX
Austin Investment Property Loans
DSCR • Hard Money • Bridge • Fix-and-Flip
New Century Lending finances Austin real estate investors. STR DSCR, hard money & bridge loans for East Austin, Manor, Pflugerville and the greater Austin MSA. No tax returns. Term sheet in 5 minutes.
STR Market in Texas
Median Entry Price Austin MSA
Hard Money Close Timeline
DSCR Qualification Standard
Austin, TX
Why Invest
In Austin
Austin is the fastest-growing major metro in Texas — driven by tech sector expansion, no state income tax, and a booming short-term rental market. The investor profile skews toward STR operators and value-add buyers targeting East Austin, South Lamar, and rapidly appreciating corridors throughout Travis County. STR DSCR financing dominates this market — qualifying off AirDNA-projected revenue rather than long-term leases. New Century Lending closes Austin deals while other lenders are still running credit checks.
Who This Is Built For
We finance real estate investors across the Greater Austin MSA — from first-time STR operators to seasoned value-add investors. If the deal makes sense, we have a structure for it.
- STR investors operating Airbnb and VRBO rentals in East Austin and South Lamar
- Buy-and-hold investors targeting tech-tenant rentals in Round Rock, Cedar Park and Pflugerville
- Out-of-state investors from CA, NY and IL attracted by Texas's no-income-tax advantage
- Value-add investors targeting underpriced assets in rapidly appreciating Austin corridors
Austin Investment Loan Products
| Loan Product | Detail |
|---|---|
| DSCR Loans | 30-year fixed. Qualify on rental income or AirDNA STR projections. No tax returns, no W-2s. |
| Hard Money Loans | Asset-based underwriting. Close in as few as 7 days. No income documentation required. |
| Fix-and-Flip / Bridge | Up to 90% LTC plus 100% of rehab budget. 4-day draws. Interest-only during the term. |
| Portfolio Loans | Finance multiple Austin properties under one loan. Blanket and cross-collateralized structures available. |
| Loan Amounts | $100,000 to $10,000,000+ |
| Time to Close | 5–7 days hard money · 14–21 days DSCR |
| Vesting | LLC, LP, corporation, or individual |
| Income Documentation | None — qualification is asset-based |
| Pre-Payment Penalty | $0 — no prepayment penalty on qualifying programs |
| Property Types | SFR, 2–4 unit, multifamily 5+, short-term rental, light commercial — non-owner-occupied only |
Austin Submarkets
Where Austin Investors Are Buying
Each Austin submarket has its own investor personality. Find yours below.
Austin's most active value-add corridor. Rapidly appreciating assets, strong STR demand, and a dense pool of tech tenants. Bridge and DSCR financing are equally active here.
North Austin's premier buy-and-hold suburbs. Affordable entry prices relative to the urban core, top-rated schools, and consistently low vacancy. DSCR 30-year fixed dominates.
High-demand STR corridor with strong Airbnb and VRBO performance. AirDNA projections support DSCR qualification on most deals. Value-add bridge financing is active.
Fast-growing northwest suburbs with strong rental demand from tech and healthcare workers. Affordable entry prices and low vacancy make these ideal DSCR buy-and-hold markets.
Emerging east Austin submarkets with the lowest entry prices in the MSA. Fix-and-flip and BRRRR strategies are active. Strong appreciation trajectory as Austin's urban core expands outward.
Austin Investment Property Loans Frequently Asked Questions
Does New Century Lending work with Austin real estate investors?
New Century Lending works with real estate investors across the Greater Austin MSA. We finance STR operators, value-add buyers, and buy-and-hold investors in East Austin, Round Rock, Pflugerville, Cedar Park, and throughout Travis County. Contact us directly to discuss your deal and current lending availability in your market.
Do I need tax returns to get an Austin investment property loan?
No. New Century Lending qualifies Austin investors on rental income or AirDNA-projected STR revenue — not personal income, tax returns, or W-2s. Asset-based underwriting only.
How fast can I close a hard money loan on an Austin property?
Hard money closes in as few as 7 days. DSCR closes in 14–21 days. Funds wire directly to title.
Can I use a DSCR loan for an Airbnb or short-term rental in Austin?
Yes. We qualify STR DSCR loans using AirDNA-projected revenue on eligible Austin properties. Contact us to confirm STR eligibility for your specific neighborhood.
What Austin neighborhoods does New Century Lending finance?
We finance investment properties across the Greater Austin MSA including East Austin, South Lamar, South Congress, Round Rock, Pflugerville, Cedar Park, Leander, Manor, and Del Valle.
How do Travis County property taxes affect my DSCR qualification?
Travis County effective property tax rates run approximately 1.8%–2.2%. This materially affects DSCR calculations. Our underwriting team factors actual Travis County tax data into every term sheet — no surprises at closing.
How It Works — Austin Investment Loans
Step 1 — Apply in Minutes
Submit your deal through our portal or call 855-8GOLEND. No tax returns, no W-2s. Just the property address, deal structure, and your investment strategy.
Step 2 — Get Your Term Sheet
Our underwriting team reviews the deal and returns a term sheet — same day on most submissions. DSCR, bridge, and hard money programs all available for Austin properties.
Step 3 — Property Valuation
We order the appraisal using Travis County data including actual property tax rates. No surprises at closing.
Step 4 — Close and Fund
Title, insurance, and entity docs run in parallel. Hard money closes in as few as 7 days. DSCR closes in 14–21 days. Funds wire directly to title.
Austin Loan Programs
DSCR Loans — Austin
Qualify on rental income or AirDNA STR projections. 30-year fixed. Built for Austin buy-and-hold and short-term rental investors in East Austin, Round Rock, and throughout Travis County.
Explore Austin DSCR Loans
Hard Money — Austin
Asset-based. Close in 7 days. For time-sensitive acquisitions and value-add deals across East Austin, South Lamar, and Manor. No income documentation required.
Fix & Bridge — Austin
Up to 90% LTC plus 100% of rehab budget. 4-day draws, interest-only during the term. Built for Austin value-add and BRRRR investors targeting Manor, Del Valle, and East Austin.
Explore Austin Bridge Loans
Ready to Finance Your Next Austin Deal?
Get a term sheet in 5 minutes. No tax returns. No W-2s. Asset-based lending for Austin real estate investors who move fast. Licensed in CA, FL & TX.