Get a quote in minutes. Built for real estate investors, our platform simplifies and speeds up the entire lending process from quote to funding.
DSCR Loans Made Easy, With Rates That Help You Scale.
Start Your 2-Minutes DSCR Quote
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
The state has a five-year inventory gap of 764,478 units, putting upward pressure on rents and making rentals a high-demand vehicle.
Rental growth is steady statewide, with typical increases of 3–5 % annually in many metros. In Raleigh alone, average rents now hover near $1,895/month.
Major cities like Charlotte, Raleigh, Durham, Greensboro, Wilmington, all show strong tenant demand and constrained supply.
Meanwhile, insurance costs in North Carolina are projected to rise by ~15 % by mid-2026, further squeezing net cash flow.
Traditional lenders are tightening documentation, income proof, and debt-ratios, cutting off many investors.
DSCR loans let you qualify based solely on net operating income, not your W-2 or tax returns.
In a state where demand is outpacing supply, and underwriting is shifting against personal documentation, DSCR gives you speed, flexibility, and the ability to scale in top corridors before others catch up.
A DSCR loan (Debt Service Coverage Ratio loan) is a financing option for property investors in North Carolina 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.
