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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
Home prices rose ~1.5 % year-over-year to a median of $519,300 in August 2025, while inventory is rising, homes for sale grew 8.4 %. At the same time, average rent in the state is about $1,895/month across property types.
Top rental markets include Portland, Beaverton, Eugene, Bend, and Hillsboro, which combine tenant demand, job growth, and relative scarcity of new supply.
In Portland specifically, new apartment construction is projected to drop ~54 %, creating tighter supply ahead.
This tightening supply curve means rental properties are becoming more valuable and you don’t want to wait for underwriting rules to tighten further.
DSCR loans allow you to qualify based on net operating income, not your W-2 or personal tax returns.
In a state with rising home prices, constrained new construction, and strong rental momentum, DSCR lets you move fast, scale smarter, and lock in cash-flowing assets before the window narrows.
A DSCR loan (Debt Service Coverage Ratio loan) is a financing option for property investors in Oregon 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.
