DSCR Loans in Alexandria city, Virginia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 80 lenders made 168 investment-property loans in Alexandria city, 1.3% of Virginia's total. Dominick Prevete arranges DSCR loans across Alexandria city, 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 $465,000.
Alexandria city investor market at a glance
| Statistic | Alexandria city | Virginia | County rank |
|---|---|---|---|
| Investor loans | 168 | 12,943 | 20th of 27 |
| Reporting lenders | 80 | 503 | 16th of 27 |
| Loan volume | $82.4M | $3.74B | 10th of 27 |
| Average loan | $491K | $289K | 4th of 27 |
| Median loan | $380K | $225K | 4th of 27 |
| Purchases | 69.0% | 62.0% | 5th of 27 |
| Cash-out refinances | 12.5% | 17.7% | 22nd of 27 |
| 2–4 unit properties | 4.2% | 7.7% | 14th of 27 |
| Top five lenders' share | 22.6% | 18.5% | 23rd of 27 |
| Reported business-purpose | 50.6% | 68.5% | 27th of 27 |
Alexandria city: closed-end loans on 1–4 unit investment properties. Alexandria city's rank is highest first, among Virginia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Alexandria city's investor loans.
What stands out in Alexandria city
50.6% of Alexandria city's investor loans were reported as business-purpose, the lowest share of Virginia's 27 counties with published data (statewide: 68.5%).
Fewer investor loans here were reported as business-purpose than in most of Virginia. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
The median investor loan in Alexandria city was $380K, the 4th-highest median of Virginia's 27 counties with published data (statewide: $225K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
69.0% of Alexandria city's investor loans were purchases, the 5th-highest share of Virginia's 27 counties with published data (statewide: 62.0%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
Does a DSCR loan pencil in Alexandria city?
At HUD's fair market rent of $3,107 for a 3-bedroom in Alexandria city, Virginia, a rental covers its full DSCR payment up to a purchase price of about $465,000, with 20% down at the 7.25% starting rate (November 2026). Alexandria city's median home value is $735,100; at that price the payment is $4,903 a month, so the property would need $4,925 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) | $2,438 / $3,107 / $3,658 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $735,100 |
| Median property taxes and effective rate | $7,024 (0.96% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $4,903 |
| Rent needed to cover that payment | $4,925 |
| Coverage of a 3-bedroom at fair market rent | 0.63 |
| Highest price a 3-bedroom at fair market rent covers | about $465,000 |
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 Alexandria city's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Alexandria city?
The most active investment-property lenders in Alexandria city in 2025 HMDA data were Rocket Mortgage, LLC; UNITED SHORE FINANCIAL SERVICES, LLC; and Prosperity Home Mortgage, LLC, out of 80 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 Alexandria city, and matches each file to the one most likely to fund it.
Alexandria city's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 168 loans and $82.4M from 80 lenders. Rocket Mortgage, LLC led Alexandria city with 15 loans, 8.9% of the county's total, and the average Alexandria city loan of $491K compares with $289K across Virginia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 15 | $4.9M | $325K | 46.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 7 | $3.0M | $426K | 57.1% |
| Prosperity Home Mortgage, LLC | 6 | $1.4M | $240K | 83.3% |
| GUARANTEED RATE, INC. | 5 | $3.2M | $635K | 60.0% |
| KIND LENDING, LLC | 5 | $2.8M | $555K | 60.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 5 | $2.4M | $477K | 100.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 5 | $1.2M | $247K | 80.0% |
| Trustar Bank | 4 | $3.9M | $973K | 100.0% |
| John Marshall Bank | 4 | $3.3M | $823K | 75.0% |
| INTERCOASTAL MORTGAGE, LLC | 4 | $2.6M | $653K | 75.0% |
| FIRST SAVINGS MORTGAGE CORPORATION | 4 | $2.6M | $648K | 50.0% |
| Wells Fargo Bank, National Association | 4 | $1.1M | $275K | 25.0% |
| FIRST HOME MORTGAGE CORPORATION | 4 | $1.0M | $243K | 100.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 3 | $3.6M | $1188K | 100.0% |
| Burke & Herbert Bank & Trust Company | 3 | $2.1M | $698K | 33.3% |
| Kiavi Funding, Inc. | 3 | $2.1M | $688K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 3 | $1.7M | $565K | 33.3% |
| NexBank | 3 | $1.4M | $478K | 33.3% |
| Truist Bank | 3 | $1.2M | $395K | 100.0% |
| First Heritage Mortgage, LLC | 3 | $0.8M | $275K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | $2.8M | $1395K | 50.0% |
| MainStreet Bank | 2 | $2.4M | $1175K | 100.0% |
| Leader Bank, National Association | 2 | $1.9M | $960K | 100.0% |
| The National Capital Bank of Washington | 2 | $1.6M | $825K | 100.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | $1.6M | $780K | 100.0% |
316 Virginia loans (2.4%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Alexandria city: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Alexandria city CSV, all 25 lenders
What Alexandria city's table can't show you: fit. Short-term financing is exempt from HMDA, so Alexandria city's fix-and-flip and bridge lenders barely appear among its 80 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 Alexandria city, Virginia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Alexandria city, 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 — Alexandria city's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 80 lenders and 168 loans: 2025 HMDA loan-level data rolled up to Alexandria city.
- Alexandria city investor-lender dataset (CSV) — All 25 lenders in the Alexandria city, Virginia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Alexandria city'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 Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Alexandria city'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.