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Program 07

Conventional Investment in New Braunfels

New Braunfels-corridor rentals, financed with conventional investment loans.

Standard, competitively priced financing for non-owner-occupied investment property when your file fits the box, up to 80% LTV on a 30-year fixed or ARM. Often the lowest-cost option for a long-term hold, in exchange for full documentation. Across most of the New Braunfels corridor, home prices sit well inside where a documented-income loan pencils; a handful of markets sit high enough that DSCR or portfolio financing is worth pricing alongside it. We'll compare it against DSCR so you take the structure that fits; business-purpose only, subject to underwriting.

Conventional Investment in New Braunfels, TX from USA Mortgage
Non-owner
occupied
30-yr
fixed avail.
80%
max LTV
Low
rates

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

How it works

For investors who qualify conventionally, this is usually the lowest-cost long-term money on a buy-and-hold. We help you weigh it against our DSCR and bank-statement programs so the loan matches your file and your goals.

Who it's for
Buy-and-hold investors
Non-owner-occupied 1-4 units
Borrowers who document income
Purchase or refinance
Typical terms
PropertyInvestment, non-owner-occ
Max leverageUp to 80% LTV
Term30-yr fixed / ARM
IncomeDocumented
CreditFrom 580
UsePurchase or refi
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*Typical terms, subject to underwriting and market conditions.

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Local FAQ

Conventional Investment in New Braunfels, answered.

Does conventional financing work at New Braunfels-corridor price points?
Yes, across most of the corridor. Zillow's July 2026 mid-tier home value came in at $274,107 in Seguin, $299,223 in Kyle, $310,480 in San Marcos, $315,578 in Schertz, $336,323 in Cibolo and $351,190 in New Braunfels itself, all comfortably inside where a standard 30-year investor loan covers the purchase. Canyon Lake ($396,532), Bulverde ($481,323) and Spring Branch ($582,376) run high enough that the deal is worth pricing against our DSCR and portfolio programs too, since a bigger basis changes what documentation and structure actually save you money.
How much does the property tax line move a conventional file's qualifying ratios in New Braunfels?
More than most first-time investors expect, and it depends on which side of the street the parcel sits. Texas has no state income tax, so the rent your New Braunfels property collects is not taxed at the state level, one side of the ledger conventional buyers moving in from a state that does tax rental income often forget to reprice. The other side is the property tax bill: a New Braunfels property inside Comal County and New Braunfels ISD carries a 1.751651 per $100 stack; the same city, Guadalupe County side, Comal ISD stack runs 1.814136, about $187 more a year on a $300,000 basis. Investment property gets no homestead exemption and no 10% appraisal cap, so the escrow a conventional underwriter runs into your debt-to-income is the full parcel bill, not a capped one. Confirm the county and ISD on the specific parcel before you run your numbers, and talk to your CPA about how both halves land on your return.
What's the one line item that breaks a conventional pro forma in this corridor?
A municipal utility district you didn't check for. A lot inside a Comal County MUD like Meyer Ranch, Kyndwood or Sky Ranch adds 0.95 per $100 on top of the base city and county stack, landing near 2.74 per $100 total, roughly $8,220 a year on a $300,000 house. A Park Place MUD lot in Guadalupe County lands over 3.0 per $100. That escrow bump is exactly what moves a conventional file's DTI from qualifying to not. Ask for the MUD or WCID line on the parcel before you run the numbers, not after. Financing several of these doors together instead of one at a time? Our portfolio loan underwrites each parcel's stack on its own rather than a blended guess.
When does DSCR beat conventional for a rental in this market instead?
When your income is seasonal or self-employed, or the deal is priced for cash flow, not your tax return, and the county you're buying in makes that call sharper. Comal County's recreation-sector economy runs 3,217 jobs in July against 1,075 in December, a 3.1x swing, which can undersell a strong but lumpy year on two years of steady, documented income. That same county also runs a 4.25% gross rental yield against Guadalupe County's 6.85% on the same July 2026 Zillow data, so a low-yield Comal County property can be a tighter fit for a cash-flow-qualified DSCR loan than a Guadalupe County property at the same price. If your income documents cleanly, conventional financing qualifies on you instead of on a rent number that may not clear the DSCR test in the lower-yield county; if it doesn't, our DSCR loan and bank-statement loan both qualify on the property's cash flow or your deposits instead. See the local DSCR numbers for this corridor, or send us the address and we'll run both structures side by side.
How much do I need to put down on a New Braunfels conventional investment loan?
About 20% of the purchase, plus closing costs. Leverage runs up to 80% LTV, so on a $351,190 purchase, Zillow's July 2026 mid-tier value for New Braunfels, that is up to $280,952 from us and $70,238 from you (351,190 x 80% = 280,952). Then add the escrow, because it is what actually moves a documented-income file: a Comal County, New Braunfels ISD parcel carries a 1.751651 per $100 stack, and a MUD lot can push the total near 2.74. Subject to underwriting.
Does my credit score have to be higher for a New Braunfels rental than for a house I would live in?
Not on this program. Scores start at 580. What is different is the documentation and the escrow, not the score. Income has to be fully documented here, and the tax line goes in at the full parcel bill, with no homestead exemption and no 10% appraisal cap. If your income does not document cleanly, the score is rarely the reason to move to a DSCR structure. Subject to underwriting.

More Conventional Investment questions, answered on the program page

Resources

Guides for Conventional Investment

Rental / DSCR · 5 min read
What Is a DSCR Loan? How Investors Qualify on Rental Income
Read the guide
Rental / DSCR · 5 min read
DSCR vs Conventional Loan: Which Is Better for Investment Property?
Read the guide
Bank Statement / No-Doc · 5 min read
Bank Statement and No-Doc Loans for Self-Employed Investors
Read the guide
Rental / DSCR · 5 min read
How to Finance a Rental Property in an LLC
Read the guide
Browse all guides
More in New Braunfels

Other programs in New Braunfels

Fix and FlipUp to 90% / 100% rehabRental / DSCR30-yr fixed, DSCR from 0.75Ground-Up ConstructionUp to 70% LTV, most statesCRE BridgeUp to $10M, 24-36 moTransactional FundingSame-day double-close capitalBank Statement / No-DocNo tax returns requiredPortfolio LoansMultiple properties, one loanCRE PermanentLong-term agency & permSBA Financing7(a) & 504 placement
All New Braunfels loan programs
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 2026-08-22.

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