DSCR Loans in Cabell County, West Virginia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 36 lenders made 140 investment-property loans in Cabell County, 6.9% of West Virginia's total. Dominick Prevete arranges DSCR loans across Cabell County, West 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 $200,000.
Cabell County investor market at a glance
| Statistic | Cabell County | West Virginia | County rank |
|---|---|---|---|
| Investor loans | 140 | 2,025 | 5th of 6 |
| Reporting lenders | 36 | 230 | 5th of 6 |
| Loan volume | $19.1M | $347.7M | 4th of 6 |
| Average loan | $137K | $172K | 4th of 6 |
| Median loan | $115K | $155K | 4th of 6 |
| Purchases | 47.9% | 68.0% | 6th of 6 |
| Cash-out refinances | 16.4% | 12.0% | 2nd of 6 |
| 2–4 unit properties | 42.1% | 17.5% | 1st of 6 |
| Top five lenders' share | 51.4% | 22.6% | 3rd of 6 |
| Reported business-purpose | 64.3% | 55.3% | 2nd of 6 |
Cabell County: closed-end loans on 1–4 unit investment properties. Cabell County's rank is highest first, among West Virginia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Cabell County's investor loans.
What stands out in Cabell County
42.1% of Cabell County's investor loans financed a 2–4 unit property, the highest share of West Virginia's 6 counties with published data (statewide: 17.5%).
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.
47.9% of Cabell County's investor loans were purchases, the lowest share of West Virginia's 6 counties with published data (statewide: 68.0%).
Most investor loans here refinance property investors already own. A DSCR refinance qualifies on the property's current rent.
Does a DSCR loan pencil in Cabell County?
At HUD's fair market rent of $1,287 for a 3-bedroom in Cabell County, West Virginia, a rental covers its full DSCR payment up to a purchase price of about $200,000, with 20% down at the 7.25% starting rate (November 2026). Cabell County's median home value is $164,400; at that price the payment is $1,048 a month, so the property would need $1,050 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,006 / $1,287 / $1,393 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $164,400 |
| Median property taxes and effective rate | $992 (0.60% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,048 |
| Rent needed to cover that payment | $1,050 |
| Coverage of a 3-bedroom at fair market rent | 1.23 |
| Highest price a 3-bedroom at fair market rent covers | about $200,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $315,000 |
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 Cabell County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Cabell County?
The most active investment-property lenders in Cabell County in 2025 HMDA data were Huntington Federal Savings Bank; Community Trust Bank, Inc.; and VELOCITY COMMERCIAL CAPITAL, LLC, out of 36 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 Cabell County, and matches each file to the one most likely to fund it.
Cabell County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 140 loans and $19.1M from 36 lenders. Huntington Federal Savings Bank led Cabell County with 27 loans, 19.3% of the county's total, and the average Cabell County loan of $137K compares with $172K across West Virginia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Huntington Federal Savings Bank | 27 | $4.4M | $164K | 33.3% |
| Community Trust Bank, Inc. | 15 | $1.6M | $106K | 40.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 13 | $1.5M | $118K | 61.5% |
| Burke & Herbert Bank & Trust Company | 9 | $2.0M | $218K | 44.4% |
| Northpointe Bank | 8 | $1.2M | $150K | 0.0% |
| City National Bank of West Virginia | 7 | $0.8M | $121K | 71.4% |
| DESCO | 5 | $0.8M | $159K | 20.0% |
| The Ohio Valley Bank Company | 5 | $0.7M | $133K | 80.0% |
| PUTNAM COUNTY BANK | 4 | $0.7M | $185K | 100.0% |
| WesBanco Bank, Inc. | 4 | $0.4M | $98K | 25.0% |
| MOVEMENT MORTGAGE, LLC | 4 | $0.3M | $83K | 75.0% |
| United Bank | 3 | $0.6M | $188K | 100.0% |
| Kiavi Funding, Inc. | 3 | $0.4M | $132K | 33.3% |
| Loan Funder LLC | 3 | $0.3M | $88K | 66.7% |
| MEMBERS CHOICE | 2 | $0.3M | $165K | 100.0% |
| CITIZENS BANK OF KENTUCKY, INC. | 2 | $0.3M | $150K | 50.0% |
| BPL MORTGAGE TRUST, LLC | 2 | $0.3M | $145K | 0.0% |
| CV3 Financial Services, LLC | 2 | $0.3M | $135K | 100.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | $0.2M | $110K | 100.0% |
| A&D Mortgage LLC | 2 | $0.2M | $105K | 50.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | $0.2M | $105K | 100.0% |
| The Huntington National Bank | 2 | $0.2M | $90K | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | $0.2M | $165K | 100.0% |
| First State Bank | 1 | $0.1M | $145K | 100.0% |
| AMERICAN FINANCING CORPORATION | 1 | $0.1M | $135K | 0.0% |
63 West Virginia loans (3.1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Cabell County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Cabell County CSV, all 25 lenders
What Cabell County's table can't show you: fit. Short-term financing is exempt from HMDA, so Cabell County's fix-and-flip and bridge lenders barely appear among its 36 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 Cabell County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Cabell County |
|---|---|---|---|
| Boyd County, KY | 102 | 26 | About 25 miles away |
| Kanawha County, WV | 153 | 56 | About 40 miles away |
| Raleigh County, WV | 100 | 29 | About 70 miles away |
| Fairfield County, OH | 209 | 59 | About 95 miles away |
Run the coverage test on your Cabell County, West Virginia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Cabell County, West 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 — Cabell County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 36 lenders and 140 loans: 2025 HMDA loan-level data rolled up to Cabell County.
- Cabell County investor-lender dataset (CSV) — All 25 lenders in the Cabell County, West Virginia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Cabell 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 Huntington-Ashland, WV-KY-OH HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Cabell 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.