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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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Allowing you to move quickly on opportunities
Many Texas DSCR loans close in as little as 15 days
The median home sale price hit $265,900 in August 2025, up ~ 3.3 % year-over-year. Meanwhile, average rent across the state is around $1,499, still well below national norms.
Top rental markets include Jackson, Laurel, and Gulfport, which draw consistent renter demand and show fast lead conversion numbers (Jackson averages ~41 leads per listing).
Inventory is constrained: in many areas just 4 months’ supply of homes is listed, contributing to upward pressure on pricing. These fundamentals—low entry costs, rising rents, and limited supply—provide real runway.
Traditional lenders are tightening income documentation, credit thresholds, and debt-ratio limits. DSCR loans bypass those barriers, you qualify based on net operating income, not your W-2 or tax returns.
In a state where acquisition costs are favorable and market fundamentals are strengthening, DSCR gives you the ability to scale faster, compete harder, and lock in cash-flowing deals before the window closes.
A DSCR loan (Debt Service Coverage Ratio loan) is a financing option for property investors in Mississippi 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.
