DSCR Loans in Arlington County, Virginia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 104 lenders made 220 investment-property loans in Arlington County, 1.7% of Virginia's total. Dominick Prevete arranges DSCR loans across Arlington 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 $465,000.
Arlington County investor market at a glance
| Statistic | Arlington County | Virginia | County rank |
|---|---|---|---|
| Investor loans | 220 | 12,943 | 16th of 27 |
| Reporting lenders | 104 | 503 | 9th of 27 |
| Loan volume | $138.9M | $3.74B | 8th of 27 |
| Average loan | $631K | $289K | 1st of 27 |
| Median loan | $520K | $225K | 1st of 27 |
| Purchases | 67.7% | 62.0% | 9th of 27 |
| Cash-out refinances | 13.6% | 17.7% | 20th of 27 |
| 2–4 unit properties | 3.6% | 7.7% | 15th of 27 |
| Top five lenders' share | 21.4% | 18.5% | 24th of 27 |
| Reported business-purpose | 58.2% | 68.5% | 25th of 27 |
Arlington County: closed-end loans on 1–4 unit investment properties. Arlington County's rank is highest first, among Virginia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Arlington County's investor loans.
What stands out in Arlington County
The median investor loan in Arlington County was $520K, the 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.
58.2% of Arlington County's investor loans were reported as business-purpose, the 3rd-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 five most active lenders wrote 21.4% of Arlington County's investor loans, the 4th-lowest share of Virginia's 27 counties with published data (statewide: 18.5%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
Does a DSCR loan pencil in Arlington County?
At HUD's fair market rent of $3,107 for a 3-bedroom in Arlington County, 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). Arlington County's median home value is $895,000; at that price the payment is $5,937 a month, so the property would need $5,950 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) | $895,000 |
| Median property taxes and effective rate | $8,153 (0.91% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $5,937 |
| Rent needed to cover that payment | $5,950 |
| Coverage of a 3-bedroom at fair market rent | 0.52 |
| 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 Arlington County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Arlington County?
The most active investment-property lenders in Arlington County in 2025 HMDA data were MainStreet Bank; Rocket Mortgage, LLC; and Atlantic Coast Mortgage, LLC, out of 104 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 Arlington County, and matches each file to the one most likely to fund it.
Arlington County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 220 loans and $138.9M from 104 lenders. MainStreet Bank led Arlington County with 10 loans, 4.5% of the county's total, and the average Arlington County loan of $631K compares with $289K across Virginia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| MainStreet Bank | 10 | $11.1M | $1106K | 90.0% |
| Rocket Mortgage, LLC | 10 | $4.8M | $478K | 50.0% |
| Atlantic Coast Mortgage, LLC | 10 | $4.5M | $450K | 90.0% |
| Fairway Independent Mortgage Corporation | 9 | $3.9M | $433K | 77.8% |
| Old Dominion National Bank | 8 | $14.4M | $1803K | 87.5% |
| INTERCOASTAL MORTGAGE, LLC | 8 | $5.2M | $654K | 87.5% |
| FIRST SAVINGS MORTGAGE CORPORATION | 8 | $5.1M | $635K | 62.5% |
| PENNYMAC LOAN SERVICES, LLC | 7 | $3.6M | $515K | 57.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 7 | $2.6M | $368K | 57.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 6 | $3.0M | $503K | 100.0% |
| GUARANTEED RATE, INC. | 6 | $3.0M | $493K | 83.3% |
| United Bank | 4 | $4.2M | $1058K | 100.0% |
| NFM, INC. | 4 | $2.4M | $590K | 0.0% |
| CAPITAL CENTER, L.L.C. | 4 | $1.3M | $328K | 25.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 3 | $3.1M | $1035K | 33.3% |
| Kiavi Funding, Inc. | 3 | $2.0M | $682K | 100.0% |
| NexBank | 3 | $2.0M | $658K | 66.7% |
| OCMBC, INC. | 3 | $1.9M | $638K | 33.3% |
| MOVEMENT MORTGAGE, LLC | 3 | $1.7M | $555K | 33.3% |
| Prosperity Home Mortgage, LLC | 3 | $1.4M | $472K | 100.0% |
| John Marshall Bank | 2 | $2.2M | $1115K | 100.0% |
| ARC HOME LLC | 2 | $2.2M | $1105K | 50.0% |
| LENDINGONE, LLC | 2 | $2.2M | $1100K | 100.0% |
| NEWREZ LLC | 2 | $1.8M | $880K | 100.0% |
| First Heritage Mortgage, LLC | 2 | $1.6M | $825K | 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 Arlington County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Arlington County CSV, all 25 lenders
What Arlington County's table can't show you: fit. Short-term financing is exempt from HMDA, so Arlington County's fix-and-flip and bridge lenders barely appear among its 104 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 Arlington County, Virginia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Arlington 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 — Arlington County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 104 lenders and 220 loans: 2025 HMDA loan-level data rolled up to Arlington County.
- Arlington County investor-lender dataset (CSV) — All 25 lenders in the Arlington County, Virginia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Arlington 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 Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Arlington 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.