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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
The median home price is around $283,100, up 5.3 % year-over-year, creating room for equity growth.
Rental markets are heating as well: statewide average rent recently reached $1,113/month.
In St. Louis, average rents hit ~$1,412. Key metros like St. Louis, Kansas City, Springfield, Columbia, and Jefferson City are seeing growing rental demand.
Missouri’s rental vacancy rate is relatively tight at 7 % (2025).
Meanwhile, DSCR lenders in Missouri are offering financing with rates starting near 6.25 %, letting you compete using property cash flow, not your personal income.
DSCR loans free you from restrictive personal income requirements and paperwork.
In Missouri, that means you can scale faster in affordable, high-demand markets before underwriting standards clamp down.
A DSCR loan (Debt Service Coverage Ratio loan) is a financing option for property investors in Missouri 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.
