HouseMax is a Direct Lender built by investors, for investors - offering DSCR loans without the middleman markup. Whether you own 2 rental properties or 200, we make funding fast, simple, and scalable.
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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
buyers now face monthly payments over $5,900 for mid-tier homes, an 82 % increase since 2020. Simultaneously, single-family rents rose 6.7 % in 2023, driven by persistent demand and a severe housing supply gap. The state is estimated to be short 3 million housing units, making rentals a necessary outlet for unmet demand.
Cities like Los Angeles, San Diego, Sacramento, and San José are standing out as investor magnets, but traditional lenders are increasingly tightening income or documentation requirements. DSCR loans remove that bottleneck by qualifying you based on property net income, not your W-2 or tax returns. In a market where both acquisition costs and underwriting hurdles are rising, DSCR gives you a direct path to scale efficiently and capture upside before others can.
Lock your advantage — don’t let paperwork limit your growth.
A DSCR loan (Debt Service Coverage Ratio loan) is a financing option for property investors in California 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.
