DSCR Loans in Coffee County, Alabama
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 43 lenders made 148 investment-property loans in Coffee County, 1.5% of Alabama's total. Dominick Prevete arranges DSCR loans across Coffee County, Alabama, 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 $245,000.
Coffee County investor market at a glance
| Statistic | Coffee County | Alabama | County rank |
|---|---|---|---|
| Investor loans | 148 | 10,035 | 17th of 23 |
| Reporting lenders | 43 | 495 | 19th of 23 |
| Loan volume | $22.5M | $1.98B | 20th of 23 |
| Average loan | $152K | $197K | 19th of 23 |
| Median loan | $125K | $145K | 13th of 23 |
| Purchases | 61.5% | 57.9% | 10th of 23 |
| Cash-out refinances | 6.8% | 16.1% | 18th of 23 |
| 2–4 unit properties | 12.2% | 8.1% | 6th of 23 |
| Top five lenders' share | 41.9% | 18.5% | 15th of 23 |
| Reported business-purpose | 67.6% | 68.3% | 8th of 23 |
Coffee County: closed-end loans on 1–4 unit investment properties. Coffee County's rank is highest first, among Alabama's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Coffee County's investor loans.
What stands out in Coffee County
The average investor loan in Coffee County was $152K, the 5th-lowest average of Alabama's 23 counties with published data (statewide: $197K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Coffee County's 148 investor loans ranked 17th of Alabama's 23 counties with published data.
Does a DSCR loan pencil in Coffee County?
At HUD's fair market rent of $1,520 for a 3-bedroom in Coffee County, Alabama, a rental covers its full DSCR payment up to a purchase price of about $245,000, with 20% down at the 7.25% starting rate (November 2026). Coffee County's median home value is $188,600; at that price the payment is $1,164 a month, so the property would need $1,175 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) | $1,098 / $1,520 / $1,598 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $188,600 |
| Median property taxes and effective rate | $677 (0.36% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,164 |
| Rent needed to cover that payment | $1,175 |
| Coverage of a 3-bedroom at fair market rent | 1.31 |
| Highest price a 3-bedroom at fair market rent covers | about $245,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $355,000 |
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 Coffee County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Coffee County?
The most active investment-property lenders in Coffee County in 2025 HMDA data were River Bank & Trust; BankPlus; and CMG MORTGAGE, INC., out of 43 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 Coffee County, and matches each file to the one most likely to fund it.
Coffee County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 148 loans and $22.5M from 43 lenders. River Bank & Trust led Coffee County with 27 loans, 18.2% of the county's total, and the average Coffee County loan of $152K compares with $197K across Alabama.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| River Bank & Trust | 27 | $3.9M | $144K | 40.7% |
| BankPlus | 11 | $2.7M | $241K | 54.5% |
| CMG MORTGAGE, INC. | 9 | $1.1M | $125K | 88.9% |
| Troy Bank and Trust Company | 8 | $1.0M | $129K | 50.0% |
| Kiavi Funding, Inc. | 7 | $1.5M | $221K | 85.7% |
| The Citizens Bank | 7 | $1.4M | $202K | 28.6% |
| Rocket Mortgage, LLC | 6 | $0.6M | $107K | 66.7% |
| MOVEMENT MORTGAGE, LLC | 6 | $0.6M | $103K | 83.3% |
| Mortgage Research Center, LLC | 5 | $1.3M | $253K | 80.0% |
| Wells Fargo Bank, National Association | 5 | $0.7M | $133K | 40.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 4 | $0.8M | $210K | 25.0% |
| The First National Bank of Hartford | 4 | $0.4M | $105K | 100.0% |
| NFM, INC. | 3 | $0.5M | $178K | 33.3% |
| PENNYMAC LOAN SERVICES, LLC | 3 | $0.5M | $172K | 33.3% |
| Citadel Servicing Corporation | 3 | $0.4M | $142K | 66.7% |
| USAA Federal Savings Bank | 3 | $0.4M | $125K | 100.0% |
| BETTER MORTGAGE CORPORATION | 3 | $0.3M | $105K | 100.0% |
| FIRST CAHAWBA BANK | 3 | $0.2M | $78K | 100.0% |
| CCB Community Bank | 3 | $0.1M | $45K | 100.0% |
| BPL MORTGAGE TRUST, LLC | 2 | $0.3M | $130K | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | $0.2M | $105K | 100.0% |
| Metro City Bank | 2 | $0.1M | $65K | 100.0% |
| ALL IN FEDERAL CREDIT UNION | 2 | $0.1M | $40K | 100.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | $0.4M | $395K | 0.0% |
| The Samson Banking Company, Inc. | 1 | $0.4M | $355K | 100.0% |
257 Alabama loans (2.6%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Coffee County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Coffee County CSV, all 25 lenders
What Coffee County's table can't show you: fit. Short-term financing is exempt from HMDA, so Coffee County's fix-and-flip and bridge lenders barely appear among its 43 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 Coffee County, Alabama deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Coffee County, Alabama 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 — Coffee County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 43 lenders and 148 loans: 2025 HMDA loan-level data rolled up to Coffee County.
- Coffee County investor-lender dataset (CSV) — All 25 lenders in the Coffee County, Alabama table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Coffee 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 Coffee County, AL.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Coffee 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.