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Program 03

Rental / DSCR in Abilene

Abilene DSCR loans for rents that outlast the build.

Hold your rentals with financing that underwrites the asset, not just you. DSCR as low as 0.75, rates from 5.5% interest-only, and 30-year fixed options. Abilene rents rose with a construction workforce, so underwrite to the rent that stays after it leaves. Business-purpose only, and rates and structure are set in underwriting.

Rental / DSCR in Abilene, TX from USA Mortgage
0.75
min DSCR
5.5%
rates from
30-yr
fixed avail.
80%
max LTV

Typical figures, subject to underwriting and market conditions. Not a commitment to lend.

How it works

No tax returns or personal income docs in most cases. We qualify on the property's cash flow, so you can scale your portfolio without the paperwork drag of conventional lending.

Who it's for
Buy-and-hold investors
Single rentals and portfolios
Short-term rentals considered
Rate/term and cash-out refi
Typical terms
Loan amount$100K to $3M
Max leverageUp to 80% LTV
DSCRFrom 0.75
CreditFrom 640
Term30-yr fixed / 5-7-10 ARM
RateFrom 5.50% IO*
PrepayFlexible structures
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*Typical terms, subject to underwriting and market conditions.

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Local FAQ

Rental / DSCR in Abilene, answered.

What are Abilene rents, and why not underwrite to them as they stand?
Zillow's rent index read $1,990 for all home types in September 2026, up 29.9% from $1,542 a year earlier. Single-family rents read $2,247, up 29.6% from $1,734. Those gains ride on a construction workforce, not on a permanent change in local incomes, so a DSCR calculation built on today's rent flatters the property. Run the property's rent and payment through the DSCR calculator, then run it again at a lower rent to see what the file looks like after the build.

Sources: files.zillowstatic.com

How long will the construction demand last in Abilene?
City staff expect construction to continue into early 2028. Oracle has cited about 9,000 construction jobs against about 1,000 long-term jobs once the center is complete, so most of the workforce is temporary. Supply is already responding: the council approved a nearly 1,000-space RV park for data center workers, and a 312-unit apartment project, The Lariat at Abilene, is funded by a $66 million HUD loan in south Abilene. Temporary housing and new apartments cap how long surge rents hold in older stock.

Sources: abilenetx.gov, bigcountryhomepage.com, hoodline.com

How do tax stacks differ between Abilene and the smaller towns?
Enough to change a DSCR, so price each town on its own stack, with no homestead exemption on a rental. Inside the city, Taylor County parcels carry 2.2664 per $100 in Abilene ISD and 2.4583 in Wylie ISD for 2025, per the city's published stacks. In Merkel the stack is 1.9639 (Taylor County 0.5578, City of Merkel 0.56, Merkel ISD 0.8461), and in Anson it is 2.6884 (Jones County 0.5363, City of Anson 1.0219, Anson ISD 1.1302), or about 3.10 if the parcel is in the Anson Hospital District. Pull the parcel's own record, since a stack for Tye, Hawley and Buffalo Gap parcels depends on their school district.

Sources: abilenetx.gov, comptroller.texas.gov

Does Abilene regulate short-term or long-term rentals?
We could not confirm either way. We found no Abilene short-term rental permit or registration ordinance, but sources conflict, so we will not say that one exists or that none does. We also found no long-term rental registration or inspection program. What is documented is the stay tax: 15% combined, made up of 6% state, 7% City of Abilene and 2% Abilene-Taylor County Venue District, filed monthly by the 20th even if no tax is due. Whether platforms remit the city and venue portions for hosts is unconfirmed. Check with the city before you underwrite nightly income.

Sources: abilenetx.gov

Will the tax bill on an Abilene rental go up with the data center roll?
It can, especially on multifamily. The city's proposed fiscal 2027 budget shows residential values up 5%, multifamily up 19% and commercial real estate up 59%, with net taxable value rising 22% from $10.839 billion to $13.270 billion, driven mainly by data center development. The proposed city rate is $0.7495, down from $0.7506, so staff are holding it nearly flat. That is a proposed budget as of August 2026, not an adopted one. Build a reassessment cushion into the expense side of your DSCR, and protest by May 15 if a value looks off.

Sources: abilenetx.gov

More Rental / DSCR questions, answered on the program page

Resources

Guides for Rental / DSCR

Rental / DSCR · 5 min read
What Is a DSCR Loan? How Investors Qualify on Rental Income
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Strategy · 6 min read
Financing the BRRRR Method: Buy, Rehab, Rent, Refinance, Repeat
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Rental / DSCR · 5 min read
DSCR vs Conventional Loan: Which Is Better for Investment Property?
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Rates & Costs · 5 min read
Hard Money Loan Rates and Costs, Explained
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About the local figures on this page

Local rules move. Every tax rate, fee, ordinance and market figure here comes from a primary source and carries the date we read it, and we correct them as the rules change. Where a number is mid-change or we could not verify it, we say so rather than guess. Before you commit a budget, confirm anything that drives it with the city or county, and talk to your attorney or CPA on questions of law or tax.

Published by USA Mortgage Funding, LLC, NMLS #152588. Researched from primary sources by our team, drafted with AI assistance, and every figure checked against its source before publishing. Where an answer rests on a public record, that record is linked under it. Figures read on 2026-10-16.

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