Loan programs in San Antonio
DSCR Loans in San Antonio
A DSCR loan is an investment-property mortgage that qualifies you on the property’s rental income divided by its monthly payment (the debt service coverage ratio).
InvestorFix and Flip Loans in San Antonio
A fix and flip loan is short-term (usually 12–18 months), interest-only financing that covers most of a distressed property’s purchase price and up to 100% of renovation costs, repaid when you sell or refinance.
InvestorDSCR Cash-Out Refinance in San Antonio
A DSCR cash-out refinance replaces the loan on a rental with a larger one, sized to the property’s value and qualified on its rent, and pays you the difference in cash.
InvestorShort-Term Rental (Airbnb) DSCR Loans in San Antonio
A short-term rental DSCR loan qualifies a vacation rental on its nightly-rental income, using 12 months of booking history or a third-party projection such as AirDNA, instead of a long-term lease.
Home loanBank Statement Loans in San Antonio
A bank statement loan is a non-QM mortgage that calculates self-employed income from 12 or 24 months of personal or business bank deposits instead of tax returns.
Home loanFHA Loans in San Antonio
An FHA loan is a government-insured mortgage that allows 3.5% down with a credit score of 580 or higher, or 10% down with a score from 500 to 579.
Home loanFirst-Time Homebuyer Loans in San Antonio
First-time homebuyer loans are mortgage options with low down payments, typically 3% conventional, 3.5% FHA or $0 VA, often paired with state or local down payment assistance.
Home loanVA Loans in San Antonio
A VA loan is a mortgage guaranteed by the Department of Veterans Affairs that lets eligible veterans, active-duty service members and certain surviving spouses buy with no down payment and no monthly mortgage insurance.
Home loanCondo Loans in San Antonio
A condo loan is a mortgage on a unit in a condominium project, and approval depends on the building as well as the buyer.
Neighborhoods in San Antonio
- Alamo Heights
- Stone Oak
- Southtown
- King William
Why borrowers look at San Antonio
San Antonio blends military families from the area bases, healthcare workers, and a deep-rooted Hispanic culture that shapes its neighborhoods and daily life. Housing includes historic King William Victorians, post-war ranch homes on the inner south and west sides, and fast-growing master-planned communities like Stone Oak on the north side. It remains one of the most affordable large Texas cities, which attracts first-time buyers and investors looking for lower price points with steady military-driven rental demand and a tourism-anchored service economy. The Pearl district and downtown river corridor have added urban living options, while the Toyota manufacturing plant and military medical complex anchor stable employment on the south side, giving investors a mix of affordable single-family rentals and steady tenant demand.
Local market snapshot: San Antonio
| Median home value | $235,700City of San Antonio · Source: U.S. Census Bureau, American Community Survey 5-year estimates |
|---|---|
| Median gross rent | $1,324/moCity of San Antonio · Source: U.S. Census Bureau, American Community Survey 5-year estimates |
| Effective property tax rate | 1.54% (approx.)Bexar County, effective rate (approx.) · Source: SmartAsset, Texas Property Tax Calculator |
Homeowners insurance: San Antonio insurance costs run below the hurricane coast but hail and severe thunderstorms still drive claims, so premiums have climbed with statewide trends. Lenders escrow taxes and insurance here like everywhere in Texas, and hail-resistant roofing helps keep quotes in check.
Figures are the most local reliable public data available (city, then county, then statewide), each labeled above. They are context for your payment estimate, not a quote, run your scenario through our payment calculator.
Before you buy or refinance in San Antonio
- Pull the Bexar County property tax bill early; it is part of every payment and DSCR calculation.
- Get an insurance quote before you lock a price.
- For rentals, check rent comps and any local rental registration or short-term rental rules in San Antonio.
- Texas home-equity cash-out on a homestead (Section 50(a)(6)) is capped at 80% of value with a 12-day notice and a 3-day right of rescission. Investment property cash-out is not subject to the homestead rules, which is one reason DSCR cash-out is popular with Texas investors.
Run the numbers
- DSCR Calculator
- Fix and Flip Profit Calculator
- Mortgage Payment Calculator
- Home Affordability Calculator
Other Texas cities
- Houston
- Dallas
- Austin
- Fort Worth
- Arlington
- Plano
- El Paso
- Corpus Christi
- Frisco
- McKinney
- Lubbock
- Killeen
- Irving
- Garland
- Laredo
- Amarillo
- Waco
- Round Rock
- Pearland
- Sugar Land
- Conroe
- College Station
- Brownsville
- McAllen
- Denton
- Midland
- Tyler
- Beaumont
- Grand Prairie
- Pasadena
- Mesquite
- Carrollton
- Abilene
- Richardson
- Odessa
- League City
- The Woodlands
- Lewisville
- Allen
- Wichita Falls
- Edinburg
- San Angelo
- New Braunfels
- Atascocita
- Mission
- Bryan
- Baytown
- Temple
- Longview
- Pharr
- Cedar Park
- Flower Mound
- Missouri City
- Mansfield
- Harlingen
- North Richland Hills
- San Marcos
- Georgetown
- Victoria
- Pflugerville
- Rowlett
- Spring
- Euless
- Leander
- Wylie
- DeSoto
- Port Arthur
- Galveston
- Texas City
- Grapevine
FAQ
What loans can I get in San Antonio, TX?
Investor loans (DSCR, fix and flip, cash-out, short-term rental) and owner-occupied home loans (bank statement, FHA, VA, conventional and more).
Who assesses property taxes in San Antonio?
Bexar County. Lenders include those taxes in the monthly payment used to qualify you.