DSCR Loans in Charles County, Maryland
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 73 lenders made 177 investment-property loans in Charles County, 1.8% of Maryland's total. Dominick Prevete arranges DSCR loans across Charles County, Maryland, 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 $460,000.
Charles County investor market at a glance
| Statistic | Charles County | Maryland | County rank |
|---|---|---|---|
| Investor loans | 177 | 9,728 | 11th of 15 |
| Reporting lenders | 73 | 412 | 11th of 15 |
| Loan volume | $48.8M | $2.59B | 11th of 15 |
| Average loan | $276K | $266K | 9th of 15 |
| Median loan | $265K | $225K | 7th of 15 |
| Purchases | 60.5% | 56.1% | 10th of 15 |
| Cash-out refinances | 22.6% | 20.9% | 7th of 15 |
| 2–4 unit properties | 1.7% | 7.2% | 12th of 15 |
| Top five lenders' share | 31.6% | 24.7% | 3rd of 15 |
| Reported business-purpose | 71.2% | 75.0% | 6th of 15 |
Charles County: closed-end loans on 1–4 unit investment properties. Charles County's rank is highest first, among Maryland's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Charles County's investor loans.
What stands out in Charles County
The five most active lenders wrote 31.6% of Charles County's investor loans, the 3rd-highest share of Maryland's 15 counties with published data (statewide: 24.7%).
Five lenders write 31.6% of the loans here, so comparing written term sheets matters more.
Charles County's 177 investor loans ranked 11th of Maryland's 15 counties with published data.
Does a DSCR loan pencil in Charles County?
At HUD's fair market rent of $3,107 for a 3-bedroom in Charles County, Maryland, a rental covers its full DSCR payment up to a purchase price of about $460,000, with 20% down at the 7.25% starting rate (November 2026). Charles County's median home value is $428,500; at that price the payment is $2,879 a month, so the property would need $2,900 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) | $2,438 / $3,107 / $3,658 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $428,500 |
| Median property taxes and effective rate | $4,339 (1.01% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,879 |
| Rent needed to cover that payment | $2,900 |
| Coverage of a 3-bedroom at fair market rent | 1.08 |
| Highest price a 3-bedroom at fair market rent covers | about $460,000 |
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 Charles County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Charles County?
The most active investment-property lenders in Charles County in 2025 HMDA data were Kiavi Funding, Inc.; Fairway Independent Mortgage Corporation; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 73 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 Charles County, and matches each file to the one most likely to fund it.
Charles County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 177 loans and $48.8M from 73 lenders. Kiavi Funding, Inc. led Charles County with 21 loans, 11.9% of the county's total, and the average Charles County loan of $276K compares with $266K across Maryland.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 21 | $5.2M | $247K | 100.0% |
| Fairway Independent Mortgage Corporation | 14 | $3.6M | $261K | 71.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 9 | $2.7M | $299K | 33.3% |
| Rocket Mortgage, LLC | 6 | $1.9M | $325K | 16.7% |
| LENDSURE MORTGAGE CORP. | 6 | $1.2M | $200K | 16.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 5 | $1.4M | $273K | 40.0% |
| Bank of Clarke | 5 | $1.0M | $203K | 60.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | $1.4M | $358K | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | $1.2M | $293K | 0.0% |
| OCMBC, INC. | 4 | $1.1M | $273K | 100.0% |
| BAY EQUITY LLC | 4 | $1.1M | $268K | 100.0% |
| THE LOAN STORE, INC. | 4 | $1.1M | $263K | 100.0% |
| INTERCOASTAL MORTGAGE, LLC | 3 | $1.0M | $335K | 0.0% |
| EMBRACE HOME LOANS, INC. | 3 | $0.9M | $315K | 66.7% |
| Navy Federal Credit Union | 3 | $0.8M | $258K | 66.7% |
| Waterstone Mortgage Corporation | 3 | $0.7M | $225K | 0.0% |
| GEO-CORP, INC. | 2 | $0.9M | $460K | 100.0% |
| Loan Funder LLC | 2 | $0.9M | $445K | 50.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | $0.7M | $355K | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | $0.7M | $335K | 100.0% |
| EMET LENDING GROUP, INC. | 2 | $0.7M | $325K | 50.0% |
| Loandepot.Com, LLC | 2 | $0.6M | $315K | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 2 | $0.6M | $310K | 100.0% |
| PNC Bank, National Association | 2 | $0.6M | $305K | 50.0% |
| MOVEMENT MORTGAGE, LLC | 2 | $0.6M | $300K | 100.0% |
784 Maryland loans (8.1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Charles County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Charles County CSV, all 25 lenders
What Charles County's table can't show you: fit. Short-term financing is exempt from HMDA, so Charles County's fix-and-flip and bridge lenders barely appear among its 73 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 Charles County, Maryland deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Charles County, Maryland 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 — Charles County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 73 lenders and 177 loans: 2025 HMDA loan-level data rolled up to Charles County.
- Charles County investor-lender dataset (CSV) — All 25 lenders in the Charles County, Maryland table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Charles 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 — Charles 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.