Does My Rental Income Help Me Qualify for a Refinance?

Yes — conventional lenders count 75% of rental income toward qualification. DSCR loans are based entirely on the property's rental income.

• 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.