DSCR Loans in Bradley County, Tennessee
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 63 lenders made 217 investment-property loans in Bradley County, 1.4% of Tennessee's total. Dominick Prevete arranges DSCR loans across Bradley County, Tennessee, 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 $250,000.
Bradley County investor market at a glance
| Statistic | Bradley County | Tennessee | County rank |
|---|---|---|---|
| Investor loans | 217 | 15,845 | 16th of 24 |
| Reporting lenders | 63 | 634 | 17th of 24 |
| Loan volume | $45.2M | $4.51B | 16th of 24 |
| Average loan | $208K | $285K | 19th of 24 |
| Median loan | $175K | $205K | 17th of 24 |
| Purchases | 51.6% | 57.0% | 18th of 24 |
| Cash-out refinances | 17.1% | 15.4% | 4th of 24 |
| 2–4 unit properties | 28.1% | 12.2% | 2nd of 24 |
| Top five lenders' share | 38.2% | 14.7% | 10th of 24 |
| Reported business-purpose | 65.0% | 66.4% | 10th of 24 |
Bradley County: closed-end loans on 1–4 unit investment properties. Bradley County's rank is highest first, among Tennessee's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Bradley County's investor loans.
What stands out in Bradley County
28.1% of Bradley County's investor loans financed a 2–4 unit property, the 2nd-highest share of Tennessee's 24 counties with published data (statewide: 12.2%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
17.1% of Bradley County's investor loans were cash-out refinances, the 4th-highest share of Tennessee's 24 counties with published data (statewide: 15.4%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
The average investor loan in Bradley County was $208K, the 6th-lowest average of Tennessee's 24 counties with published data (statewide: $285K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Bradley County?
At HUD's fair market rent of $1,593 for a 3-bedroom in Bradley County, Tennessee, a rental covers its full DSCR payment up to a purchase price of about $250,000, with 20% down at the 7.25% starting rate (November 2026). Bradley County's median home value is $261,900; at that price the payment is $1,637 a month, so the property would need $1,650 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) | $1,270 / $1,593 / $1,669 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $261,900 |
| Median property taxes and effective rate | $1,187 (0.45% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,637 |
| Rent needed to cover that payment | $1,650 |
| Coverage of a 3-bedroom at fair market rent | 0.97 |
| Highest price a 3-bedroom at fair market rent covers | about $250,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $405,000 |
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 Bradley County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Bradley County?
The most active investment-property lenders in Bradley County in 2025 HMDA data were Bank of Cleveland; Kiavi Funding, Inc.; and Builtwell Bank, out of 63 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 two that reported in Bradley County, and matches each file to the one most likely to fund it.
Bradley County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 217 loans and $45.2M from 63 lenders. Bank of Cleveland led Bradley County with 31 loans, 14.3% of the county's total, and the average Bradley County loan of $208K compares with $285K across Tennessee.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Bank of Cleveland | 31 | $5.7M | $182K | 32.3% |
| Kiavi Funding, Inc. | 19 | $3.3M | $173K | 84.2% |
| Builtwell Bank | 15 | $2.2M | $150K | 60.0% |
| Andrew Johnson Bank | 10 | $1.8M | $183K | 60.0% |
| LENDSURE MORTGAGE CORP. | 8 | $3.6M | $448K | 25.0% |
| SmartBank | 8 | $1.2M | $154K | 50.0% |
| MILLENNIUM BANK | 8 | $0.8M | $100K | 0.0% |
| U.S. Bank National Association | 7 | $1.1M | $151K | 0.0% |
| SouthEast Bank | 6 | $2.9M | $483K | 100.0% |
| DHI MORTGAGE COMPANY, LTD. | 6 | $1.1M | $185K | 100.0% |
| CMG MORTGAGE, INC. | 5 | $1.1M | $211K | 100.0% |
| First Citizens National Bank | 5 | $1.0M | $207K | 60.0% |
| RIGHT START MORTGAGE, INC. | 5 | $1.0M | $199K | 0.0% |
| Peoples Bank of the South | 5 | $1.0M | $193K | 60.0% |
| Old National Bank | 5 | $0.8M | $159K | 0.0% |
| VISTA POINT MORTGAGE, LLC | 4 | $3.0M | $745K | 100.0% |
| GUILD MORTGAGE COMPANY | 4 | $0.8M | $203K | 100.0% |
| THE LOAN STORE, INC. | 4 | $0.6M | $145K | 75.0% |
| Rocket Mortgage, LLC | 4 | $0.6M | $145K | 25.0% |
| FirstBank | 3 | $1.2M | $385K | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 3 | $0.3M | $105K | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | $0.6M | $280K | 50.0% |
| Mortgage Right | 2 | $0.5M | $265K | 50.0% |
| MOVEMENT MORTGAGE, LLC | 2 | $0.5M | $260K | 50.0% |
| CHAMPIONS FUNDING, LLC | 2 | $0.5M | $240K | 0.0% |
451 Tennessee loans (2.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Bradley County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Bradley County CSV, all 25 lenders
What Bradley County's table can't show you: fit. Short-term financing is exempt from HMDA, so Bradley County's fix-and-flip and bridge lenders barely appear among its 63 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 Bradley County, Tennessee deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Bradley County, Tennessee 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 — Bradley County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 63 lenders and 217 loans: 2025 HMDA loan-level data rolled up to Bradley County.
- Bradley County investor-lender dataset (CSV) — All 25 lenders in the Bradley County, Tennessee table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Bradley 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 Cleveland, TN MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Bradley 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.