DSCR Loans in Alamance County, North Carolina
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 85 lenders made 379 investment-property loans in Alamance County, 1.8% of North Carolina's total. Dominick Prevete arranges DSCR loans across Alamance County, North Carolina, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $255,000.
Alamance County investor market at a glance
| Statistic | Alamance County | North Carolina | County rank |
|---|---|---|---|
| Investor loans | 379 | 21,470 | 16th of 42 |
| Reporting lenders | 85 | 601 | 21st of 42 |
| Loan volume | $78.8M | $5.97B | 23rd of 42 |
| Average loan | $208K | $278K | 29th of 42 |
| Median loan | $195K | $225K | 25th of 42 |
| Purchases | 67.5% | 64.5% | 16th of 42 |
| Cash-out refinances | 16.4% | 15.7% | 22nd of 42 |
| 2–4 unit properties | 6.3% | 6.3% | 21st of 42 |
| Top five lenders' share | 39.6% | 23.4% | 9th of 42 |
| Reported business-purpose | 70.2% | 70.9% | 31st of 42 |
Alamance County: closed-end loans on 1–4 unit investment properties. Alamance County's rank is highest first, among North Carolina's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Alamance County's investor loans.
What stands out in Alamance County
The five most active lenders wrote 39.6% of Alamance County's investor loans, the 9th-highest share of North Carolina's 42 counties with published data (statewide: 23.4%).
Five lenders write 39.6% of the loans here, so comparing written term sheets matters more.
Alamance County's 379 investor loans ranked 16th of North Carolina's 42 counties with published data.
Does a DSCR loan pencil in Alamance County?
At HUD's fair market rent of $1,658 for a 3-bedroom in Alamance County, North Carolina, a rental covers its full DSCR payment up to a purchase price of about $255,000, with 20% down at the 7.25% starting rate (November 2026). Alamance County's median home value is $241,500; at that price the payment is $1,543 a month, so the property would need $1,550 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,348 / $1,658 / $2,088 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $241,500 |
| Median property taxes and effective rate | $1,494 (0.62% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,543 |
| Rent needed to cover that payment | $1,550 |
| Coverage of a 3-bedroom at fair market rent | 1.07 |
| Highest price a 3-bedroom at fair market rent covers | about $255,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $420,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Alamance County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Alamance County?
The most active investment-property lenders in Alamance County in 2025 HMDA data were LENNAR MORTGAGE, LLC; Kiavi Funding, Inc.; and STATE EMPLOYEES', out of 85 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 Alamance County, and matches each file to the one most likely to fund it.
Alamance County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 379 loans and $78.8M from 85 lenders. LENNAR MORTGAGE, LLC led Alamance County with 62 loans, 16.4% of the county's total, and the average Alamance County loan of $208K compares with $278K across North Carolina.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| LENNAR MORTGAGE, LLC | 62 | $13.1M | $211K | 100.0% |
| Kiavi Funding, Inc. | 29 | $5.5M | $189K | 75.9% |
| STATE EMPLOYEES' | 24 | $4.2M | $173K | 75.0% |
| DHI MORTGAGE COMPANY, LTD. | 20 | $4.6M | $231K | 100.0% |
| Loandepot.Com, LLC | 15 | $3.6M | $241K | 93.3% |
| UNION HOME MORTGAGE CORP. | 14 | $2.3M | $162K | 64.3% |
| Select Bank | 13 | $2.2M | $167K | 76.9% |
| HOMEXPRESS MORTGAGE CORP. | 11 | $2.8M | $257K | 27.3% |
| Loan Funder LLC | 9 | $5.3M | $588K | 44.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 9 | $1.5M | $172K | 66.7% |
| KBHS HOME LOANS, LLC | 8 | $1.6M | $203K | 100.0% |
| The Fidelity Bank | 7 | $1.4M | $199K | 71.4% |
| Roxboro Savings Bank SSB | 7 | $1.1M | $164K | 42.9% |
| General Mortgage Capital Corporation | 6 | $1.4M | $238K | 100.0% |
| DOMINION FINANCIAL SERVICES, LLC | 6 | $1.3M | $217K | 0.0% |
| Easy Street Capital, LLC | 6 | $1.1M | $180K | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 6 | $0.8M | $137K | 0.0% |
| Towne Bank | 5 | $1.8M | $367K | 100.0% |
| CHAMPIONS FUNDING, LLC | 5 | $1.0M | $195K | 80.0% |
| Rocket Mortgage, LLC | 5 | $1.0M | $191K | 40.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | $0.7M | $145K | 40.0% |
| Atlantic Union Bank | 5 | $0.6M | $127K | 40.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | $0.8M | $208K | 75.0% |
| LENDINGONE, LLC | 4 | $0.8M | $200K | 0.0% |
| THE LOAN STORE, INC. | 4 | $0.7M | $175K | 50.0% |
846 North Carolina loans (3.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Alamance County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Alamance County CSV, all 25 lenders
What Alamance County's table can't show you: fit. Short-term financing is exempt from HMDA, so Alamance County's fix-and-flip and bridge lenders barely appear among its 85 filers, and none of the 25 names above tells you whose 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 several 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 Alamance County, North Carolina deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Alamance County, North Carolina 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 — Alamance County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 85 lenders and 379 loans: 2025 HMDA loan-level data rolled up to Alamance County.
- Alamance County investor-lender dataset (CSV) — All 25 lenders in the Alamance County, North Carolina table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Alamance County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Burlington, NC MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Alamance County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.