DSCR Loans in Albemarle County, Virginia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 59 lenders made 116 investment-property loans in Albemarle County, 0.9% of Virginia's total. Dominick Prevete arranges DSCR loans across Albemarle County, Virginia, 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 $305,000.
Albemarle County investor market at a glance
| Statistic | Albemarle County | Virginia | County rank |
|---|---|---|---|
| Investor loans | 116 | 12,943 | 26th of 27 |
| Reporting lenders | 59 | 503 | 23rd of 27 |
| Loan volume | $35.7M | $3.74B | 23rd of 27 |
| Average loan | $308K | $289K | 8th of 27 |
| Median loan | $285K | $225K | 9th of 27 |
| Purchases | 68.1% | 62.0% | 7th of 27 |
| Cash-out refinances | 15.5% | 17.7% | 19th of 27 |
| 2–4 unit properties | 3.4% | 7.7% | 16th of 27 |
| Top five lenders' share | 23.3% | 18.5% | 21st of 27 |
| Reported business-purpose | 69.0% | 68.5% | 16th of 27 |
Albemarle County: closed-end loans on 1–4 unit investment properties. Albemarle County's rank is highest first, among Virginia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Albemarle County's investor loans.
What stands out in Albemarle County
Albemarle County's 116 investor loans ranked 26th of Virginia's 27 counties with published data.
Does a DSCR loan pencil in Albemarle County?
At HUD's fair market rent of $1,997 for a 3-bedroom in Albemarle County, Virginia, a rental covers its full DSCR payment up to a purchase price of about $305,000, with 20% down at the 7.25% starting rate (November 2026). Albemarle County's median home value is $495,400; at that price the payment is $3,220 a month, so the property would need $3,225 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,642 / $1,997 / $2,458 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $495,400 |
| Median property taxes and effective rate | $3,719 (0.75% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,220 |
| Rent needed to cover that payment | $3,225 |
| Coverage of a 3-bedroom at fair market rent | 0.62 |
| Highest price a 3-bedroom at fair market rent covers | about $305,000 |
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 Albemarle County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Albemarle County?
The most active investment-property lenders in Albemarle County in 2025 HMDA data were United Nations Federal Credit Union; UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION, INC.; and CMG MORTGAGE, INC., out of 59 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 one that reported in Albemarle County, and matches each file to the one most likely to fund it.
Albemarle County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 116 loans and $35.7M from 59 lenders. United Nations Federal Credit Union led Albemarle County with 6 loans, 5.2% of the county's total, and the average Albemarle County loan of $308K compares with $289K across Virginia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| United Nations Federal Credit Union | 6 | $1.6M | $272K | 66.7% |
| UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION, INC. | 6 | $1.6M | $263K | 66.7% |
| CMG MORTGAGE, INC. | 6 | $1.2M | $207K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 5 | $1.2M | $235K | 60.0% |
| GRAY FOX MORTGAGE, LLC | 4 | $1.2M | $310K | 100.0% |
| CAPITAL CENTER, L.L.C. | 4 | $1.0M | $253K | 0.0% |
| NFM, INC. | 4 | $1.0M | $253K | 75.0% |
| Rocket Mortgage, LLC | 4 | $1.0M | $248K | 25.0% |
| FIRST BANCORP, INC. | 3 | $1.2M | $405K | 66.7% |
| NEWREZ LLC | 3 | $1.1M | $365K | 66.7% |
| Atlantic Coast Mortgage, LLC | 3 | $1.1M | $362K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | $0.8M | $275K | 66.7% |
| THE LOAN STORE, INC. | 3 | $0.7M | $242K | 0.0% |
| First Heritage Mortgage, LLC | 3 | $0.7M | $228K | 100.0% |
| C & F Mortgage Corporation | 2 | $0.9M | $470K | 100.0% |
| Ixonia Bank | 2 | $0.9M | $465K | 50.0% |
| Kiavi Funding, Inc. | 2 | $0.8M | $425K | 100.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | $0.8M | $410K | 0.0% |
| Towne Bank | 2 | $0.7M | $350K | 100.0% |
| Blue Ridge Bank, National Association | 2 | $0.7M | $350K | 100.0% |
| Cornerstone First Mortgage, Inc | 2 | $0.7M | $330K | 100.0% |
| Luminate Bank | 2 | $0.6M | $285K | 0.0% |
| Beeline Loans, Inc. | 2 | $0.6M | $285K | 100.0% |
| JPMorgan Chase Bank, National Association | 2 | $0.6M | $280K | 50.0% |
| Truist Bank | 2 | $0.5M | $260K | 50.0% |
316 Virginia loans (2.4%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Albemarle County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Albemarle County CSV, all 25 lenders
What Albemarle County's table can't show you: fit. Short-term financing is exempt from HMDA, so Albemarle County's fix-and-flip and bridge lenders barely appear among its 59 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 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 Albemarle County, Virginia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Albemarle County, Virginia 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 — Albemarle County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 59 lenders and 116 loans: 2025 HMDA loan-level data rolled up to Albemarle County.
- Albemarle County investor-lender dataset (CSV) — All 25 lenders in the Albemarle County, Virginia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Albemarle 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 Charlottesville, VA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Albemarle 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.