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
Short-term rentals in the state are seeing ~13 % gross yields, far above national norms. Cities like Miami, Tampa, and Orlando continue to see strong rental demand even as some markets dip: you get upside without as much downside. Meanwhile, rising insurance and maintenance costs are squeezing traditional underwriting — lenders are pulling back on Debt-to-Income models and demanding heavier proof of income.
That’s where DSCR loans shine: they let you qualify based on property cash flow, not your W-2 or tax returns. In Florida’s market, that means you can scale faster, with less friction, and capture deals that traditional buyers can’t. With stabilized values expected to grow 3-5 % annually through 2026, this is your chance to get in before rates rise or underwriting tightens further.
If your goal is acquisition growth, not just holding, DSCR gives you the power to act now — don’t let personal income limits or lender gatekeeping stand in your way.
A DSCR loan (Debt Service Coverage Ratio loan) is a financing option for property investors in Florida 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.
