DSCR Loans in Anchorage Municipality, Alaska
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 65 lenders made 280 investment-property loans in Anchorage Municipality, 44.4% of Alaska's total. Dominick Prevete arranges DSCR loans across Anchorage Municipality, Alaska, 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.
See which lenders are most active in Anchorage Municipality →
Anchorage Municipality investor market at a glance
| Statistic | Anchorage Municipality | Alaska | County rank |
|---|---|---|---|
| Investor loans | 280 | 631 | 1st of 2 |
| Reporting lenders | 65 | 91 | 1st of 2 |
| Loan volume | $88.2M | $194.3M | 1st of 2 |
| Average loan | $315K | $308K | 2nd of 2 |
| Median loan | $305K | $285K | 1st of 2 |
| Purchases | 67.1% | 61.8% | 1st of 2 |
| Cash-out refinances | 18.6% | 21.1% | 2nd of 2 |
| 2–4 unit properties | 27.9% | 34.4% | 2nd of 2 |
| Top five lenders' share | 46.4% | 37.9% | 1st of 2 |
| Reported business-purpose | 71.4% | 59.1% | 1st of 2 |
Anchorage Municipality: closed-end loans on 1–4 unit investment properties. Anchorage Municipality's rank is highest first, among Alaska's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Anchorage Municipality's investor loans.
What stands out in Anchorage Municipality
The median investor loan in Anchorage Municipality was $305K, the highest median of Alaska's 2 counties with published data (statewide: $285K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
By share of investor loans reported as business-purpose, Anchorage Municipality ranks highest of Alaska's 2 counties with published data (statewide: 59.1%).
71.4% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
27.9% of Anchorage Municipality's investor loans financed a 2–4 unit property, the lowest share of Alaska's 2 counties with published data (statewide: 34.4%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Does a DSCR loan pencil in Anchorage Municipality?
At HUD's fair market rent of $2,117 for a 3-bedroom in Anchorage Municipality, Alaska, 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). Anchorage Municipality's median home value is $395,900; at that price the payment is $2,741 a month, so the property would need $2,750 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) | $1,529 / $2,117 / $2,556 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $395,900 |
| Median property taxes and effective rate | $4,982 (1.26% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,741 |
| Rent needed to cover that payment | $2,750 |
| Coverage of a 3-bedroom at fair market rent | 0.77 |
| 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 Anchorage Municipality's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Anchorage Municipality?
The most active investment-property lenders in Anchorage Municipality in 2025 HMDA data were RESIDENTIAL MORTGAGE, LLC; CONVENTUS LLC; and THE LOAN STORE, INC., out of 65 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 Anchorage Municipality, and matches each file to the one most likely to fund it.
Anchorage Municipality's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 280 loans and $88.2M from 65 lenders. RESIDENTIAL MORTGAGE, LLC led Anchorage Municipality with 38 loans, 13.6% of the county's total, and the average Anchorage Municipality loan of $315K compares with $308K across Alaska.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| RESIDENTIAL MORTGAGE, LLC | 38 | $10.6M | $280K | 78.9% |
| CONVENTUS LLC | 32 | $10.2M | $320K | 84.4% |
| THE LOAN STORE, INC. | 23 | $7.6M | $331K | 87.0% |
| NEWREZ LLC | 19 | $7.0M | $370K | 89.5% |
| Global Federal Credit Union | 18 | $4.4M | $246K | 61.1% |
| Rocket Mortgage, LLC | 10 | $2.6M | $263K | 30.0% |
| United Wholesale Mortgage | 8 | $2.5M | $306K | 12.5% |
| CHAMPIONS FUNDING, LLC | 6 | $4.3M | $722K | 50.0% |
| First National Bank Alaska | 6 | $1.9M | $322K | 100.0% |
| Wells Fargo Bank, National Association | 6 | $1.3M | $217K | 66.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 6 | $1.2M | $207K | 50.0% |
| GUARANTEED RATE, INC. | 5 | $2.1M | $411K | 80.0% |
| Loan Funder LLC | 5 | $1.9M | $383K | 20.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 5 | $1.7M | $337K | 100.0% |
| GUILD MORTGAGE COMPANY | 4 | $1.6M | $398K | 100.0% |
| North American Savings Bank, F.S.B. | 4 | $1.4M | $350K | 75.0% |
| Hometown Equity Mortgage, LLC | 4 | $1.3M | $318K | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 4 | $1.3M | $313K | 75.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | $1.3M | $448K | 66.7% |
| MISSION LOANS, LLC | 3 | $1.3M | $428K | 66.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | $0.9M | $312K | 100.0% |
| Kiavi Funding, Inc. | 3 | $0.9M | $292K | 66.7% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | $0.8M | $282K | 66.7% |
| AMWEST FUNDING CORP. | 3 | $0.8M | $255K | 66.7% |
| LENDSURE MORTGAGE CORP. | 3 | $0.7M | $242K | 0.0% |
0 Alaska loans (0%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Anchorage Municipality: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Anchorage Municipality CSV, all 25 lenders
What Anchorage Municipality's table can't show you: fit. Short-term financing is exempt from HMDA, so Anchorage Municipality's fix-and-flip and bridge lenders barely appear among its 65 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 →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Anchorage Municipality with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Anchorage Municipality |
|---|---|---|---|
| Matanuska-Susitna Borough, AK | 124 | 35 | Borders Anchorage Municipality |
Run the coverage test on your Anchorage Municipality, Alaska deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Anchorage Municipality, Alaska 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 — Anchorage Municipality's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 65 lenders and 280 loans: 2025 HMDA loan-level data rolled up to Anchorage Municipality.
- Anchorage Municipality investor-lender dataset (CSV) — All 25 lenders in the Anchorage Municipality, Alaska table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Anchorage Municipality'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 Anchorage, AK HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Anchorage Municipality'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.