--- title: "DSCR Labs | Get a yes on your first income property loan" description: "The personalized guidance you need to add Greater Houston real estate to your portfolio. No gurus, no fees, lenders pay us after they fund your loan." url: https://dscrlabs.com/ --- # Get a yes on your first income property loan application. The personalized guidance you need to add Greater Houston real estate to your portfolio. No gurus, no fees, lenders pay us after they fund your loan. - [How We Help ↓](https://dscrlabs.com/#process) - [Book Intro Call](https://dscrlabs.com/#book) ## Process Even if you don’t have a specific property in mind yet, we can give you a clear path to becoming a real estate investor. ### Step 1: Intro Call We’ll meet with you over video chat to learn about your unique situation and goals. No pitch, no commitments, no presentations, and no prep required. ### Step 2: Personalized Roadmap Within 24hrs we’ll send you a step-by-step personalized roadmap for how you can get a yes on your first income property loan application. ### Step 3: Getting Funded When you have the right property deal and down payment ready, we’ll help you get quotes from the top Greater Houston area lenders. - [Loan Types](https://dscrlabs.com/#loans) - [Our Team](https://dscrlabs.com/#team) ## Which type of loan fits you? ### Conventional Loan - Based on your personal income - Requires solid credit score - Better rates, but harder to get ### DSCR Loans - Based on the property income - Requires a good purchase price - Rates a bit higher, but easier to get For most new real estate investors, a DSCR loan is typically the best fit. - [DSCR Guide](https://dscrlabs.com/dscr-guide) - [Book Intro Call](https://dscrlabs.com/#book) ## Team - Isaac Valadez, Co-Founder ### Who we are We’re a small team of real estate investors in the Greater Houston area. After spending years in tech, we’ve shifted to helping others achieve their ambition of owning income-generating real estate. ### How we make money We don’t charge new investors anything because when we help them reach the point where they are ready for a loan, they become the most valuable resource in the real estate industry. Lenders pay us a flat fee when they close a deal with one of our referrals. - [FAQ](https://dscrlabs.com/#faq) - [Book Intro Call](https://dscrlabs.com/#book) ## Frequently asked questions ### Is this really free, even if I don’t end up getting a loan? Yes. The intro call and your personalized roadmap cost nothing, and you’ll never owe us anything, whether or not you get a loan. Here’s what we do and don’t do: we give you a roadmap, and when you’re ready, we introduce you to lenders. We’re happy to meet once or twice after the intro call if questions come up, but finding the right property and saving for your down payment is work you’ll do yourself. ### Am I obligated to use your lenders after I get the roadmap? No. There are no obligations or commitments of any kind. If you go with a lender we didn’t introduce you to, we’d appreciate a quick heads-up about who you chose. Working with new investors is how we keep track of which lenders are offering the best deals and helping the most new investors. ### How much money do I really need to get started? We recommend having around $75k in cash or savings you can easily access. At that level, there are realistic options for your first property. It’s possible to start with as little as \~$40k, but finding a deal that works at that budget is much harder. It usually takes longer and requires some luck and serious negotiation. ### What credit score do I need for a DSCR loan? Most DSCR lenders look for a minimum score between 620 and 680, and the best rates usually go to scores of 700 or higher. Every lender is different, so if your score needs work, your roadmap will include steps to improve it before you apply. ### Will talking to you or getting quotes hurt my credit? No. We never pull your credit. We simply introduce you to lenders who offer DSCR loans directly. Your credit is only checked once you decide to start the process with a lender. ### Do you help me find the property, or just the loan? Mostly the loan. If you need help figuring out how to look for a strong DSCR deal then your roadmap will cover some educational strategies and approaches to get you started, but we will not act as agent or directly help you find a specific property. That said, we are actively building tools to make the search easier, like a heatmap of the Greater Houston area. The search itself, from browsing listings to making offers, is something you can do a few hours a week while following the roadmap until you find the right deal. One of those tools is ready now: the free [Greater Houston DSCR Calculator](https://dscrlabs.com/calculator/). Type in an address to see if the rent could cover the full monthly payment, using local tax rates, the flood zone, and insurance costs. ### What happens on the intro call? Who will I talk to? One of our two founders joins every call. It’s an informal 20-minute video chat where we ask a few questions to understand your goals and where you are in your journey. You’re welcome to ask questions too, but we generally don’t make specific recommendations on the call. We save those for your roadmap, once we have the full picture. We also value these conversations for their own sake. We’re building tools to help people get into real estate, and talking with new investors keeps us connected to the challenges they face. ### Who is this not a good fit for? We’re built for new investors buying their first rental property with a loan. We’re probably not the right fit if: - You’re an experienced investor who already knows how to line up your next deal - You can buy your first property without a loan - You plan to live in the property yourself (house hacking). We can only work with buyers purchasing a property as an investment. ## Every strong portfolio includes real estate. It’s your turn! Even if you don’t know how to find a property or where to start, our team is here to help. ### Book a free 20min intro call No prep needed. We’ll just ask a few questions to better understand your situation and goals. - [Open the booking calendar](https://calendly.com/d/dv7m-sbf-v36/dscr-labs-intro-call) --- - [DSCR Guide](https://dscrlabs.com/dscr-guide) - [DSCR Calculator](https://dscrlabs.com/calculator/) - [Privacy Policy](https://dscrlabs.com/privacy) - [hello@dscrlabs.com](mailto:hello@dscrlabs.com) **Disclaimer:** DSCR Labs is not a lender. We do not make loans, accept loan applications, make credit decisions, or set rates or terms. All loans are offered by independent third-party lenders and are subject to each lender’s own credit review, underwriting, and approval. We cannot and do not guarantee that you will qualify for a loan or receive any particular rate or terms. DSCR Labs may receive compensation from lenders when a loan to a client we introduced to them closes. You are never required to use a lender we introduce you to, and we encourage you to compare offers from multiple lenders. Our services are only for loans used to buy investment properties for business purposes. We do not help with loans for a primary residence or for any personal, family, or household purpose. DSCR Labs does not act as a real estate broker or sales agent. We do not refer clients to sellers, or landlords. We do not receive compensation from any buyer, seller, agent, or broker in a real estate transaction. Any compensation we receive comes solely from lenders, in connection with financing. The information on this website and in our tools is for general educational purposes only. It is not financial, investment, tax, or legal advice. Real estate investing involves risk, including the possible loss of your investment. Any figures, examples, or estimates are for illustration only, may change without notice, and do not guarantee future results. Consult a qualified professional before making financial decisions. © 2026 DSCR Labs