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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
Single-family rental prices jumped 6.7 % year-over-year in 2023, per the CoreLogic index. Major metros like Dallas, Houston, Austin, and San Antonio remain magnets for inward migration, fueling rental demand.
At the same time, the state faces a housing gap of over 300,000 homes, intensifying pressure onavailable inventory.
Traditional lenders are tightening scrutiny around personal income, credit history, and documentation, especially in today’s rate climate. DSCR loans bypass those hurdles by qualifying on property cash flow, letting you scale based on what the deal produces, not your W-2.
If you want to outpace rate pressure and underwriting limits, capture Texas’s population influx, and expand your portfolio in markets like Dallas, Houston, Austin, or San Antonio, leveraging DSCR now is your sharpest strategy.
A DSCR loan (Debt Service Coverage Ratio loan) is a financing option for property investors 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.
