DSCR
Grow your rental portfolio with confidence. Our DSCR loans offer competitive rates, flexible terms, and a streamlined process designed to help investors acquire and refinance income-producing properties faster.
Why DSCR
Why Investors Are Making the Switch to DSCR
More investors are choosing DSCR loans as both a long-term holding strategy and an effective exit strategy. By qualifying based on a property's rental income rather than personal income, investors can scale their portfolios more efficiently while maintaining flexibility. DSCR loans are also a powerful tool for cash-out refinances, helping investors unlock equity and redeploy capital into their next opportunity.
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Program Terms
DSCR Program Terms
Loan Amount
100k +
Ideal Credit
680+
Rates Starting From
5.75%
Points As Low As
0%
Payment
Monthly, Interest Only, No PrePayment Penalty Options
Loan to Cost (LTC)
90%
AFTER REPAIR VALUE (ARV)
75%
TERM
30-year fixed rates
TYPE / LOCATION
Urban / Suburban
EXPERIENCE REQUIRED
We work with first-time and seasoned investors
ELIGIBLE LOAN TYPES
Purchase, Rate & Term Refinance, Cashout Refinance
Investor Insights
Stewards of Capital. Partners in
Straight from our team.
Short videos from the lenders behind HouseMax — what we underwrite, how we fund, and what it takes to scale a fix & flip business.
Aubrey
DSCR
James
DSCR calculation on rent market prices
Jeff
Our books historically Fix and Flip but 50% is now DSCR
Jeff
Plan for your exit strategy around80 or 90% of the way through
Landon
Transparent DSCR Rates at Your Fingertips
Nick Hunt
Advice for anyone considering a DSCR loan
Nick Hunt
Sell or refinance their advantages to both
Landon
Why DSCR works for everyone
Nick Hunt
HouseMax Funding's DSCR loan program is designed with flexibility in mind
Nick Hunt
More Than a Quote—Customize Your Financing
Resources
DSCR Resources
Explore expert insights, financing strategies, and real-world tips to help you navigate your next rental property with confidence.
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