DSCR Loans in Alabama
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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Dominick Prevete arranges DSCR loans across Alabama, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.125% (October 2026), and most close in 14 days. In 2025 HMDA data, 495 lenders made 10,035 investment-property loans in Alabama; the most active are in the table below.
Alabama investor market at a glance
| Statistic | Alabama | 26 states | State rank |
|---|---|---|---|
| Investor loans | 10,035 | 461,927 | 18th of 26 |
| Reporting lenders | 495 | 3,509 | 16th of 26 |
| Loan volume | $1.98B | $163.80B | 23rd of 26 |
| Average loan | $197K | $355K | 22nd of 26 |
| Median loan | $145K | — | 20th of 26 |
| Purchases | 57.9% | 58.8% | 14th of 26 |
| Cash-out refinances | 16.1% | 19.8% | 20th of 26 |
| 2–4 unit properties | 8.1% | 16.5% | 20th of 26 |
| Top five lenders' share | 18.5% | 22.1% | 19th of 26 |
| Reported business-purpose | 68.3% | 72.6% | 19th of 26 |
Alabama: closed-end loans on 1–4 unit investment properties. Rank is highest first among the 26 states with published data. The 26-state figures are totals for loans and volume, distinct filers for lenders, and loan-weighted averages for every share; a median does not combine across states.
What stands out in Alabama
The average investor loan in Alabama was $197K, ranking 5th lowest of the 26 states with published data (26-state figure: $355K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
8.1% of Alabama's investor loans financed a 2–4 unit property, ranking 6th lowest of the 26 states with published data (26-state figure: 16.5%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Who are the DSCR and investment-property lenders in Alabama?
The most active investment-property lenders in Alabama in 2025 HMDA data were Kiavi Funding, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and BPL MORTGAGE TRUST, LLC, out of 495 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including several that reported in Alabama, and matches each file to the one most likely to fund it.
Every year, lenders report their originations under the Home Mortgage Disclosure Act. We filtered Alabama's 2025 filings to closed-end loans on 1–4 unit investment properties: 10,035 loans totaling $1.98B across 495 lenders. These were the most active.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 608 | $88.8M | $146K | 64.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 459 | $67.8M | $148K | 53.8% |
| BPL MORTGAGE TRUST, LLC | 290 | $31.4M | $108K | 39.0% |
| FAMILY SAVINGS CREDIT UNION | 251 | $47.9M | $191K | 18.3% |
| River Bank & Trust | 246 | $38.3M | $156K | 66.7% |
| Loan Funder LLC | 213 | $28.9M | $136K | 25.8% |
| Rocket Mortgage, LLC | 171 | $27.4M | $160K | 35.7% |
| FirstBank | 167 | $38.2M | $228K | 79.6% |
| HOMEXPRESS MORTGAGE CORP. | 156 | $32.4M | $208K | 27.6% |
| Cadence Bank | 149 | $32.1M | $215K | 60.4% |
| RCN Capital, LLC | 147 | $19.6M | $133K | 55.8% |
| Renasant Bank | 143 | $28.8M | $201K | 53.1% |
| Bryant Bank | 142 | $36.8M | $259K | 58.5% |
| Community Bank of Mississippi | 138 | $43.2M | $313K | 42.8% |
| Bank Independent | 133 | $18.0M | $135K | 47.4% |
| Metro Bank | 122 | $18.8M | $154K | 50.0% |
| LEI:254900CTT87ZKAUTIJ37 | 104 | $24.4M | $234K | 77.9% |
| Liberty Bank | 102 | $19.3M | $189K | 44.1% |
| THE LOAN STORE, INC. | 100 | $18.4M | $184K | 71.0% |
| Troy Bank and Trust Company | 92 | $14.3M | $155K | 64.1% |
| DEEPHAVEN MORTGAGE LLC | 88 | $15.7M | $179K | 29.5% |
| LENDINGONE, LLC | 88 | $12.9M | $146K | 36.4% |
| DHI MORTGAGE COMPANY, LTD. | 87 | $18.9M | $217K | 100.0% |
| OCMBC, INC. | 86 | $14.9M | $173K | 74.4% |
| AMERICAN HERITAGE LENDING, LLC | 85 | $13.4M | $158K | 36.5% |
Source: 2025 HMDA loan-level data (CFPB/FFIEC Data Browser), retrieved October 31, 2026. Updated annually. See how this data is built or download the full dataset (CSV) — all 495 reporting lenders with every underlying figure. Researching the market rather than financing a property? The Alabama lending data page covers this table on its own.
What this table can't show you: fit. HMDA exempts short-term financing, so fix-and-flip and bridge lenders barely appear here — and no federal dataset knows which lender's guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →National Loan Provider is an independent broker and maintains wholesale relationships with some listed lenders. Appearing in this table is not an endorsement or a recommendation.
Run the coverage test on your Alabama deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Alabama property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Alabama's at-a-glance figures, its rank among the 26 states, its observations and the Quick Read's 495 lenders and 10,035 loans: 2025 HMDA loan-level data.
- Alabama investor-lender dataset (CSV) — Every Alabama lender behind the table above, with volume, average loan and purchase share for each.
- Alabama investor lending data, Dominick Prevete — The Alabama table on its own, with the state's concentration figures and the method behind them.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.125%, as of October 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.