DSCR Loans in Chesterfield County, Virginia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 137 lenders made 648 investment-property loans in Chesterfield County, 5.0% of Virginia's total. Dominick Prevete arranges DSCR loans across Chesterfield County, 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 $310,000.
Chesterfield County investor market at a glance
| Statistic | Chesterfield County | Virginia | County rank |
|---|---|---|---|
| Investor loans | 648 | 12,943 | 5th of 27 |
| Reporting lenders | 137 | 503 | 6th of 27 |
| Loan volume | $162.9M | $3.74B | 6th of 27 |
| Average loan | $251K | $289K | 15th of 27 |
| Median loan | $255K | $225K | 12th of 27 |
| Purchases | 67.0% | 62.0% | 12th of 27 |
| Cash-out refinances | 13.4% | 17.7% | 21st of 27 |
| 2–4 unit properties | 0.6% | 7.7% | 25th of 27 |
| Top five lenders' share | 26.5% | 18.5% | 19th of 27 |
| Reported business-purpose | 67.1% | 68.5% | 17th of 27 |
Chesterfield County: closed-end loans on 1–4 unit investment properties. Chesterfield County's rank is highest first, among Virginia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Chesterfield County's investor loans.
What stands out in Chesterfield County
0.6% of Chesterfield County's investor loans financed a 2–4 unit property, the 3rd-lowest share of Virginia's 27 counties with published data (statewide: 7.7%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Chesterfield County's 648 investor loans ranked 5th of Virginia's 27 counties with published data.
Does a DSCR loan pencil in Chesterfield County?
At HUD's fair market rent of $2,039 for a 3-bedroom in Chesterfield County, Virginia, a rental covers its full DSCR payment up to a purchase price of about $310,000, with 20% down at the 7.25% starting rate (November 2026). Chesterfield County's median home value is $366,000; at that price the payment is $2,381 a month, so the property would need $2,400 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) | $1,651 / $2,039 / $2,499 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $366,000 |
| Median property taxes and effective rate | $2,773 (0.76% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,381 |
| Rent needed to cover that payment | $2,400 |
| Coverage of a 3-bedroom at fair market rent | 0.86 |
| Highest price a 3-bedroom at fair market rent covers | about $310,000 |
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 Chesterfield County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Chesterfield County?
The most active investment-property lenders in Chesterfield County in 2025 HMDA data were LENNAR MORTGAGE, LLC; CAPITAL CENTER, L.L.C.; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 137 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 Chesterfield County, and matches each file to the one most likely to fund it.
Chesterfield County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 648 loans and $162.9M from 137 lenders. LENNAR MORTGAGE, LLC led Chesterfield County with 37 loans, 5.7% of the county's total, and the average Chesterfield County loan of $251K compares with $289K across Virginia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| LENNAR MORTGAGE, LLC | 37 | $10.4M | $281K | 100.0% |
| CAPITAL CENTER, L.L.C. | 35 | $8.9M | $253K | 34.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 34 | $8.7M | $256K | 52.9% |
| Kiavi Funding, Inc. | 34 | $8.5M | $250K | 70.6% |
| First Heritage Mortgage, LLC | 32 | $8.7M | $273K | 93.8% |
| THE LOAN STORE, INC. | 23 | $5.8M | $253K | 47.8% |
| Rocket Mortgage, LLC | 21 | $4.5M | $213K | 33.3% |
| PANORAMA MORTGAGE GROUP, LLC | 21 | $4.2M | $198K | 81.0% |
| PENNYMAC LOAN SERVICES, LLC | 17 | $5.0M | $296K | 35.3% |
| C & F Mortgage Corporation | 15 | $4.3M | $284K | 93.3% |
| United Bank | 13 | $2.1M | $161K | 15.4% |
| Hometown Equity Mortgage, LLC | 12 | $2.7M | $228K | 58.3% |
| AMWEST FUNDING CORP. | 11 | $3.2M | $288K | 72.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 11 | $3.1M | $278K | 100.0% |
| NVR Mortgage Finance, Inc. | 11 | $2.9M | $264K | 100.0% |
| Truist Bank | 9 | $2.9M | $322K | 100.0% |
| CHAMPIONS FUNDING, LLC | 9 | $2.4M | $269K | 22.2% |
| AMERICAN HERITAGE LENDING, LLC | 9 | $2.3M | $258K | 88.9% |
| DEEPHAVEN MORTGAGE LLC | 9 | $2.1M | $236K | 66.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 9 | $2.0M | $226K | 88.9% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 8 | $1.9M | $240K | 87.5% |
| NEWREZ LLC | 8 | $1.9M | $238K | 75.0% |
| OCMBC, INC. | 7 | $1.6M | $224K | 28.6% |
| CARRINGTON MORTGAGE SERVICES, LLC | 7 | $1.2M | $169K | 28.6% |
| Commerce Home Mortgage, Inc. | 6 | $1.9M | $320K | 66.7% |
316 Virginia loans (2.4%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Chesterfield County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Chesterfield County CSV, all 25 lenders
What Chesterfield County's table can't show you: fit. Short-term financing is exempt from HMDA, so Chesterfield County's fix-and-flip and bridge lenders barely appear among its 137 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 Chesterfield County, Virginia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Chesterfield County, 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 — Chesterfield County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 137 lenders and 648 loans: 2025 HMDA loan-level data rolled up to Chesterfield County.
- Chesterfield County investor-lender dataset (CSV) — All 25 lenders in the Chesterfield County, Virginia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Chesterfield 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 Richmond, VA HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Chesterfield 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.