DSCR Loans in Craven 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, 56 lenders made 141 investment-property loans in Craven County, 0.7% of North Carolina's total. Dominick Prevete arranges DSCR loans across Craven 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 $255,000.
Craven County investor market at a glance
| Statistic | Craven County | North Carolina | County rank |
|---|---|---|---|
| Investor loans | 141 | 21,470 | 33rd of 42 |
| Reporting lenders | 56 | 601 | 35th of 42 |
| Loan volume | $24.7M | $5.97B | 39th of 42 |
| Average loan | $175K | $278K | 36th of 42 |
| Median loan | $155K | $225K | 34th of 42 |
| Purchases | 66.7% | 64.5% | 17th of 42 |
| Cash-out refinances | 17.7% | 15.7% | 17th of 42 |
| 2–4 unit properties | 8.5% | 6.3% | 15th of 42 |
| Top five lenders' share | 39.0% | 23.4% | 12th of 42 |
| Reported business-purpose | 79.4% | 70.9% | 10th of 42 |
Craven County: closed-end loans on 1–4 unit investment properties. Craven County's rank is highest first, among North Carolina's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Craven County's investor loans.
What stands out in Craven County
The average investor loan in Craven County was $175K, the 7th-lowest average of North Carolina's 42 counties with published data (statewide: $278K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
By share of investor loans reported as business-purpose, Craven County ranks 10th-highest of North Carolina's 42 counties with published data (statewide: 70.9%).
79.4% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Does a DSCR loan pencil in Craven County?
At HUD's fair market rent of $1,644 for a 3-bedroom in Craven County, North Carolina, a rental covers its full DSCR payment up to a purchase price of about $255,000, with 20% down at the 7.25% starting rate (November 2026). Craven County's median home value is $231,600; at that price the payment is $1,481 a month, so the property would need $1,500 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) | $1,246 / $1,644 / $1,985 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $231,600 |
| Median property taxes and effective rate | $1,450 (0.63% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,481 |
| Rent needed to cover that payment | $1,500 |
| Coverage of a 3-bedroom at fair market rent | 1.11 |
| Highest price a 3-bedroom at fair market rent covers | about $255,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $385,000 |
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 Craven County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Craven County?
The most active investment-property lenders in Craven County in 2025 HMDA data were Kiavi Funding, Inc.; Southern Bank and Trust Company; and GUARANTEED RATE, INC., out of 56 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 Craven County, and matches each file to the one most likely to fund it.
Craven County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 141 loans and $24.7M from 56 lenders. Kiavi Funding, Inc. led Craven County with 16 loans, 11.3% of the county's total, and the average Craven County loan of $175K compares with $278K across North Carolina.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 16 | $3.2M | $199K | 87.5% |
| Southern Bank and Trust Company | 12 | $2.0M | $164K | 75.0% |
| GUARANTEED RATE, INC. | 10 | $1.5M | $150K | 100.0% |
| Navy Federal Credit Union | 9 | $1.7M | $186K | 77.8% |
| STATE EMPLOYEES' | 8 | $2.0M | $250K | 75.0% |
| Rocket Mortgage, LLC | 7 | $1.2M | $169K | 28.6% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 7 | $0.9M | $125K | 0.0% |
| First-Citizens Bank & Trust Company | 4 | $0.8M | $188K | 100.0% |
| LIMA ONE CAPITAL, LLC | 4 | $0.6M | $140K | 50.0% |
| United Bank | 4 | $0.5M | $135K | 75.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 3 | $0.7M | $242K | 0.0% |
| MOVEMENT MORTGAGE, LLC | 3 | $0.4M | $145K | 100.0% |
| CHAMPIONS FUNDING, LLC | 2 | $0.5M | $240K | 0.0% |
| RPE Home, Inc | 2 | $0.4M | $210K | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | $0.4M | $195K | 100.0% |
| AMERICAN FINANCING CORPORATION | 2 | $0.4M | $185K | 0.0% |
| Integrity Home Mortgage Corporation | 2 | $0.4M | $185K | 100.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 2 | $0.3M | $145K | 100.0% |
| American Security Mortgage Corp. | 2 | $0.3M | $135K | 100.0% |
| Bank of America, National Association | 2 | $0.3M | $135K | 100.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | $0.3M | $130K | 50.0% |
| FIRST FLIGHT | 2 | $0.2M | $80K | 100.0% |
| AMWEST FUNDING CORP. | 1 | $0.6M | $645K | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | 1 | $0.3M | $325K | 100.0% |
| LATINO COMMUNITY CREDIT UNION | 1 | $0.3M | $285K | 100.0% |
846 North Carolina loans (3.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Craven County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Craven County CSV, all 25 lenders
What Craven County's table can't show you: fit. Short-term financing is exempt from HMDA, so Craven County's fix-and-flip and bridge lenders barely appear among its 56 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 →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 Craven County, North Carolina deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Craven 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 — Craven County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 56 lenders and 141 loans: 2025 HMDA loan-level data rolled up to Craven County.
- Craven County investor-lender dataset (CSV) — All 25 lenders in the Craven County, North Carolina table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Craven 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 Craven County, NC.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Craven 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.