DSCR Loans in Baldwin County, Alabama
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 206 lenders made 917 investment-property loans in Baldwin County, 9.1% of Alabama's total. Dominick Prevete arranges DSCR loans across Baldwin County, Alabama, 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 $300,000.
Baldwin County investor market at a glance
| Statistic | Baldwin County | Alabama | County rank |
|---|---|---|---|
| Investor loans | 917 | 10,035 | 3rd of 23 |
| Reporting lenders | 206 | 495 | 1st of 23 |
| Loan volume | $376.6M | $1.98B | 1st of 23 |
| Average loan | $411K | $197K | 1st of 23 |
| Median loan | $285K | $145K | 1st of 23 |
| Purchases | 72.3% | 57.9% | 4th of 23 |
| Cash-out refinances | 7.3% | 16.1% | 17th of 23 |
| 2–4 unit properties | 5.7% | 8.1% | 17th of 23 |
| Top five lenders' share | 20.3% | 18.5% | 23rd of 23 |
| Reported business-purpose | 65.3% | 68.3% | 10th of 23 |
Baldwin County: closed-end loans on 1–4 unit investment properties. Baldwin County's rank is highest first, among Alabama's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Baldwin County's investor loans.
What stands out in Baldwin County
The average investor loan in Baldwin County was $411K, the highest average of Alabama's 23 counties with published data (statewide: $197K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
The five most active lenders wrote 20.3% of Baldwin County's investor loans, the lowest share of Alabama's 23 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.
72.3% of Baldwin County's investor loans were purchases, the 4th-highest share of Alabama's 23 counties with published data (statewide: 57.9%).
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 Baldwin County?
At HUD's fair market rent of $1,855 for a 3-bedroom in Baldwin County, Alabama, a rental covers its full DSCR payment up to a purchase price of about $300,000, with 20% down at the 7.25% starting rate (November 2026). Baldwin County's median home value is $316,900; at that price the payment is $1,941 a month, so the property would need $1,950 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) | $1,434 / $1,855 / $2,347 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $316,900 |
| Median property taxes and effective rate | $960 (0.30% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,941 |
| Rent needed to cover that payment | $1,950 |
| Coverage of a 3-bedroom at fair market rent | 0.96 |
| Highest price a 3-bedroom at fair market rent covers | about $300,000 |
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 Baldwin County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Baldwin County?
The most active investment-property lenders in Baldwin County in 2025 HMDA data were Community Bank of Mississippi; Cornerstone First Mortgage, Inc; and MOVEMENT MORTGAGE, LLC, out of 206 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 Baldwin County, and matches each file to the one most likely to fund it.
Baldwin County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 917 loans and $376.6M from 206 lenders. Community Bank of Mississippi led Baldwin County with 46 loans, 5.0% of the county's total, and the average Baldwin County loan of $411K compares with $197K across Alabama.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Community Bank of Mississippi | 46 | $13.7M | $297K | 54.3% |
| Cornerstone First Mortgage, Inc | 41 | $17.7M | $432K | 92.7% |
| MOVEMENT MORTGAGE, LLC | 36 | $18.4M | $510K | 88.9% |
| NexBank | 33 | $9.3M | $280K | 90.9% |
| NEWREZ LLC | 30 | $13.4M | $446K | 86.7% |
| SouthState Bank, National Association | 30 | $12.6M | $419K | 93.3% |
| Merchants & Marine Bank | 24 | $5.4M | $225K | 8.3% |
| HOMEXPRESS MORTGAGE CORP. | 23 | $7.5M | $324K | 69.6% |
| Northpointe Bank | 21 | $10.4M | $497K | 85.7% |
| Cadence Bank | 21 | $6.9M | $327K | 61.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 20 | $6.6M | $329K | 80.0% |
| GUILD MORTGAGE COMPANY | 19 | $10.0M | $526K | 73.7% |
| CV3 FINANCIAL SERVICES, LLC | 19 | $5.9M | $312K | 100.0% |
| Rocket Mortgage, LLC | 16 | $5.5M | $345K | 62.5% |
| DHI MORTGAGE COMPANY, LTD. | 16 | $3.5M | $216K | 100.0% |
| Kiavi Funding, Inc. | 15 | $3.9M | $263K | 73.3% |
| United Bank | 15 | $3.2M | $214K | 93.3% |
| KIND LENDING, LLC | 14 | $4.6M | $327K | 100.0% |
| West Alabama Bank & Trust | 11 | $5.1M | $460K | 81.8% |
| FirstBank | 11 | $2.9M | $267K | 63.6% |
| THE LOAN STORE, INC. | 11 | $2.9M | $264K | 45.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 11 | $2.8M | $257K | 72.7% |
| LENNAR MORTGAGE, LLC | 11 | $2.3M | $209K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 10 | $3.3M | $330K | 50.0% |
| Renasant Bank | 9 | $5.6M | $625K | 88.9% |
257 Alabama loans (2.6%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Baldwin County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Baldwin County CSV, all 25 lenders
What Baldwin County's table can't show you: fit. Short-term financing is exempt from HMDA, so Baldwin County's fix-and-flip and bridge lenders barely appear among its 206 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 Baldwin County, Alabama deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Baldwin County, Alabama 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 — Baldwin County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 206 lenders and 917 loans: 2025 HMDA loan-level data rolled up to Baldwin County.
- Baldwin County investor-lender dataset (CSV) — All 25 lenders in the Baldwin County, Alabama table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Baldwin 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 Daphne-Fairhope-Foley, AL MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Baldwin 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.