Eligibility & RequirementsQuestion 21
Can I Refinance a Houston Rental Property with Negative Cash Flow?
Conventional loans may still work if your other income covers the shortfall. DSCR loans require positive cash flow (DSCR of 1.0+) to qualify.
Conventional loans may still work if your other income covers the shortfall. DSCR loans require positive cash flow (DSCR of 1.0+) to qualify.
- What to know: Know exactly what lenders look for when you apply to refinance a Houston investment property.
- Houston context: Houston's strong rental market and property values generally make it easier to meet refinance requirements compared to weaker markets.
- Action step: If one loan type doesn't work, explore alternatives — DSCR loans, portfolio lenders, and credit unions each have different qualification criteria.
Bottom Line
Meeting refinance requirements is achievable for most Houston landlords. The key is knowing which loan type matches your financial profile and property situation.