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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 values have appreciated ~ 3.4 % year-over-year, with median home prices around $390,300.
Yet rental rents are under pressure: average monthly rent currently hovers near $1,362, putting upward strain on yield targets.
Cities like Charleston, Columbia, Greenville, Spartanburg, and Myrtle Beach offer differentiated rental upside, especially in supply-constrained submarkets.
In this dynamic environment, traditional lenders are reducing exposure, demanding stricter income and credit verification.
DSCR loans break that bottleneck, qualifying based on net operating income, not personal pay stubs.
In markets where pricing is rising, rents are volatile, and underwriting is tightening, DSCR gives you speed, flexibility, and the ability to scale before your competition catches on.
A DSCR loan (Debt Service Coverage Ratio loan) is a financing option for property investors in South 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.
