Get a quote in minutes. Built for real estate investors, our platform simplifies and speeds up the entire lending process from quote to funding.
DSCR Loans Made Easy, With Rates That Help You Scale.
Start Your 2-Minutes DSCR Quote
Founded by a team that has flipped over 2,700 homes and sold more than $50M in Real Estate. Billions in loans funded since starting HouseMax Funding in 2017.
With no surprise fees
Allowing you to move quickly on opportunities
Many Texas DSCR loans close in as little as 15 days
With average home values around $216,692 and only ~0.6% annual appreciation as of late 2025.
In August 2025, home prices were up ~2.8% year-over-year, with median sales around $272,100. The state’s rental market also shows strength: average rent is about $1,400/month.
Top metros include Little Rock, Fayetteville, Fort Smith, Springdale, and Jonesboro, which see higher demand and faster turnover. With relatively low entry costs, stable rent growth, and pockets of outsized appreciation, Arkansas gives you a runway to build.
Traditional lenders are tightening income documentation, credit thresholds, and debt-ratio limits. DSCR loans bypass those barriers — you qualify based on net operating income, not your W-2 or tax returns.
In a state with low acquisition costs, supportive rent trends, and growing underwriting friction, DSCR gives you the speed and scale to lock in cash-flowing assets before barriers close in.
A DSCR loan (Debt Service Coverage Ratio loan) is a financing option for property investors in Arkansas where eligibility is based primarily on the revenue your investment property generates (rent or NOI), rather than on personal income or traditional proof of income.
Typical DCR loan requirements include:
- Minimum DSCR of 0.8
- Down payments start at 20%
- Credit score minimum is 680, with some exceptions allowed
- Proof of rental income (leases, rent roll)
Rates depend on several factors: property type, location, DSCR ratio, credit score, down payment, and loan amount.
Use a dscr loan calculator: divide the property’s annual net income (rent minus expenses) by its annual debt service (principal + interest + taxes + insurance).
If the ratio is ≥ required threshold you may qualify.
