DSCR Loans in Cabarrus County, North Carolina
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 114 lenders made 484 investment-property loans in Cabarrus County, 2.3% of North Carolina's total. Dominick Prevete arranges DSCR loans across Cabarrus County, North Carolina, 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 $335,000.
Cabarrus County investor market at a glance
| Statistic | Cabarrus County | North Carolina | County rank |
|---|---|---|---|
| Investor loans | 484 | 21,470 | 10th of 42 |
| Reporting lenders | 114 | 601 | 14th of 42 |
| Loan volume | $123.1M | $5.97B | 12th of 42 |
| Average loan | $254K | $278K | 21st of 42 |
| Median loan | $245K | $225K | 17th of 42 |
| Purchases | 53.5% | 64.5% | 35th of 42 |
| Cash-out refinances | 15.1% | 15.7% | 26th of 42 |
| 2–4 unit properties | 7.6% | 6.3% | 19th of 42 |
| Top five lenders' share | 35.7% | 23.4% | 15th of 42 |
| Reported business-purpose | 73.1% | 70.9% | 23rd of 42 |
Cabarrus County: closed-end loans on 1–4 unit investment properties. Cabarrus County's rank is highest first, among North Carolina's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Cabarrus County's investor loans.
What stands out in Cabarrus County
53.5% of Cabarrus County's investor loans were purchases, the 8th-lowest share of North Carolina's 42 counties with published data (statewide: 64.5%).
Refinances are a larger share here than in most of North Carolina. A DSCR refinance qualifies on the property's current rent.
Cabarrus County's 484 investor loans ranked 10th of North Carolina's 42 counties with published data.
Does a DSCR loan pencil in Cabarrus County?
At HUD's fair market rent of $2,179 for a 3-bedroom in Cabarrus County, North Carolina, a rental covers its full DSCR payment up to a purchase price of about $335,000, with 20% down at the 7.25% starting rate (November 2026). Cabarrus County's median home value is $354,800; at that price the payment is $2,300 a month, so the property would need $2,300 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) | $1,785 / $2,179 / $2,773 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $354,800 |
| Median property taxes and effective rate | $2,586 (0.73% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,300 |
| Rent needed to cover that payment | $2,300 |
| Coverage of a 3-bedroom at fair market rent | 0.95 |
| Highest price a 3-bedroom at fair market rent covers | about $335,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $550,000 |
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 Cabarrus County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Cabarrus County?
The most active investment-property lenders in Cabarrus County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Kiavi Funding, Inc.; and Loandepot.Com, LLC, out of 114 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 Cabarrus County, and matches each file to the one most likely to fund it.
Cabarrus County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 484 loans and $123.1M from 114 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Cabarrus County with 48 loans, 9.9% of the county's total, and the average Cabarrus County loan of $254K compares with $278K across North Carolina.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 48 | $12.7M | $264K | 37.5% |
| Kiavi Funding, Inc. | 47 | $9.9M | $210K | 46.8% |
| Loandepot.Com, LLC | 28 | $6.5M | $231K | 96.4% |
| PENNYMAC LOAN SERVICES, LLC | 27 | $8.3M | $309K | 44.4% |
| M/I FINANCIAL, LLC | 23 | $5.9M | $257K | 100.0% |
| STATE EMPLOYEES' | 20 | $4.5M | $226K | 55.0% |
| Rocket Mortgage, LLC | 17 | $5.5M | $323K | 76.5% |
| Easy Street Capital, LLC | 13 | $2.8M | $218K | 0.0% |
| LIMA ONE CAPITAL, LLC | 12 | $3.4M | $286K | 16.7% |
| THE LOAN STORE, INC. | 10 | $2.7M | $271K | 30.0% |
| American Security Mortgage Corp. | 9 | $2.3M | $257K | 88.9% |
| DEEPHAVEN MORTGAGE LLC | 8 | $2.1M | $264K | 12.5% |
| CAPITAL CENTER, L.L.C. | 8 | $2.0M | $256K | 0.0% |
| NVR Mortgage Finance, Inc. | 8 | $1.9M | $244K | 100.0% |
| Ixonia Bank | 8 | $1.6M | $205K | 87.5% |
| BETTER MORTGAGE CORPORATION | 7 | $1.7M | $246K | 28.6% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 7 | $1.6M | $229K | 14.3% |
| HOMEXPRESS MORTGAGE CORP. | 6 | $1.3M | $223K | 16.7% |
| Wells Fargo Bank, National Association | 6 | $1.3M | $210K | 50.0% |
| MOVEMENT MORTGAGE, LLC | 6 | $1.2M | $202K | 66.7% |
| Fairway Independent Mortgage Corporation | 5 | $1.6M | $325K | 80.0% |
| OCMBC, INC. | 5 | $1.6M | $311K | 0.0% |
| Loan Funder LLC | 5 | $1.5M | $295K | 80.0% |
| Commerce Home Mortgage, Inc. | 4 | $1.9M | $478K | 25.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 4 | $1.4M | $355K | 75.0% |
846 North Carolina loans (3.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Cabarrus County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Cabarrus County CSV, all 25 lenders
What Cabarrus County's table can't show you: fit. Short-term financing is exempt from HMDA, so Cabarrus County's fix-and-flip and bridge lenders barely appear among its 114 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 Cabarrus County, North Carolina deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Cabarrus County, North Carolina 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 — Cabarrus County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 114 lenders and 484 loans: 2025 HMDA loan-level data rolled up to Cabarrus County.
- Cabarrus County investor-lender dataset (CSV) — All 25 lenders in the Cabarrus County, North Carolina table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Cabarrus 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 Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Cabarrus 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.