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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
Arizona’s growth story is still in early innings: Metro Phoenix has added over 650,000 new residents in the past decade, making it one of the fastest-growing U.S. metros.
Cities like Phoenix, Tucson, Mesa, Chandler, and Scottsdale are seeing strong demand for rentals.
In Phoenix, short-term rentals maintain ~72 % occupancy, proving investor resilience even as inventory rises.
At the same time, traditional lending standards are tightening, especially on personal income, credit history, and documentation.
DSCR loans remove that choke point: they let you qualify based on net operating income of the property, not your W-2.
In a market defined by rising rents, increasing investor competition, and underwriting hurdles, DSCR gives you speed, leverage, and flexibility.
If your goal is to build in Arizona’s booming corridors and outpace traditional buyers, locking in DSCR financing now is your sharpest move.
A DSCR loan (Debt Service Coverage Ratio loan) is a financing option for property investors in Arizona 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.
