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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
Population growth of ~2.1 % in recent years underscores rising housing needs.
In popular corridors like Richmond, Virginia Beach, Arlington, Norfolk, and Charlottesville, investors are capturing robust yields, Virginia Beach’s short-term yields even reach ~18.6 %.
In Northern Virginia, average rents for single-family homes range from $2,500 to $4,000+, driving high cash flow potential. At the same time, traditional lenders are tightening criteria, demanding rigorous income documentation, stricter debt ratios, and credit scrutiny.
DSCR loans flip that game: you qualify based on net operating income of the property, not your W-2 or tax returns.
In a state where demand is strong, supply is constrained, and underwriting is shifting, DSCR gives you speed, leverage, and access to deals others can’t touch.
A DSCR loan (Debt Service Coverage Ratio loan) is a financing option for property investors in Virginia 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.
