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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.
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Many Texas DSCR loans close in as little as 15 days
Along the Front Range, rents rose ~1.87 % year-over-year, pushing average single-family rents to $2,555 in major metro areas.
In key cities Denver, Aurora, Boulder, Colorado Springs, Fort Collins, rents are climbing and occupancy is tight.
Homeowners and investors see ~8.6 % appreciation per year over the past decade, well above national averages.
Traditional lenders are increasingly demanding stricter income verification and tighter underwriting.
DSCR loans sidestep that constraint by qualifying you based on net rental income, not your W-2 or tax returns.
In a state where entry costs are high but rental demand is steady, DSCR gives you leverage to scale fast, outbid cumbersome underwriters, and secure high-yield assets before competition tightens.
A DSCR loan (Debt Service Coverage Ratio loan) is a financing option for property investors in Colorado 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.
