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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 Ohio DSCR loans close in as little as 15 days
Single-family homes in cities like Cleveland, Columbus, Cincinnati, Akron, and Toledo deliver strong yields with modest acquisition costs.
In Cleveland, median asking rents surged 10.6 % year-over-year, ranking among the fastest gains nationwide. Statewide average rent clocks in around $1,350/month.
Real estate investors in Ohio are achieving ~10 % annual rental returns, particularly in undervalued markets.
Traditional lenders often choke on personal income verification, credit history, or DTI constraints. DSCR loans remove those barriers by qualifying you on property net income alone.
In Ohio’s environment, where rent growth is accelerating and home prices remain accessible, DSCR gives you the leverage to scale faster, outcompete traditional buyers, and lock in profitable deals today.
A DSCR loan (Debt Service Coverage Ratio loan) is a financing option for property investors in Ohio 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 DSCR 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.
