Can I Use Rental Income to Qualify for a Cash-Out Refinance?

Yes — conventional lenders count 75% of rental income. DSCR lenders use 100% of market rent. Rental income is essential for qualifying on investment properties.

• What to know: Know the specific qualifications lenders require before applying for a cash-out refinance on your Houston rental.
• Houston context: Houston properties with strong rental income and in-demand locations typically qualify more easily for cash-out refinancing, especially through DSCR lenders.
• Action step: If conventional doesn't work, DSCR loans qualify based on property income alone — making them ideal for self-employed Houston investors scaling their portfolios.

Bottom Line

Cash-out eligibility is achievable for most Houston landlords with adequate equity and stable rental income. Explore multiple lender types to find the best fit.