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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
With strong upside in Atlanta suburbs, Savannah, and emerging secondary cities. Meanwhile, investment properties in Georgia have experienced rent increases between 3 % and 14 % year-over-year, driving stronger cash flow potential.
Top metros , Atlanta, Savannah, Athens, Columbus, Augusta, are delivering both demand and value. Traditional lenders are increasingly scrutinizing personal income, documentation, and debt ratios, locking many investors out.
DSCR loans break that barrier: you qualify based on the property’s net operating income, not your W-2 or tax returns. In a state where rental demand is strong and underwriting is tightening, DSCR gives you speed, scale, and the capacity to win deals others can’t compete for.
A DSCR loan (Debt Service Coverage Ratio loan) is a financing option for property investors in Georgia 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.
