DSCR Loans in Cumberland 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, 136 lenders made 781 investment-property loans in Cumberland County, 3.6% of North Carolina's total. Dominick Prevete arranges DSCR loans across Cumberland 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 $290,000.
Cumberland County investor market at a glance
| Statistic | Cumberland County | North Carolina | County rank |
|---|---|---|---|
| Investor loans | 781 | 21,470 | 5th of 42 |
| Reporting lenders | 136 | 601 | 9th of 42 |
| Loan volume | $138.0M | $5.97B | 10th of 42 |
| Average loan | $177K | $278K | 35th of 42 |
| Median loan | $145K | $225K | 37th of 42 |
| Purchases | 55.8% | 64.5% | 33rd of 42 |
| Cash-out refinances | 21.1% | 15.7% | 9th of 42 |
| 2–4 unit properties | 6.3% | 6.3% | 21st of 42 |
| Top five lenders' share | 32.1% | 23.4% | 24th of 42 |
| Reported business-purpose | 81.3% | 70.9% | 6th of 42 |
Cumberland County: closed-end loans on 1–4 unit investment properties. Cumberland County's rank is highest first, among North Carolina's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Cumberland County's investor loans.
What stands out in Cumberland County
The median investor loan in Cumberland County was $145K, the 4th-lowest median of North Carolina's 42 counties with published data (statewide: $225K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
By share of investor loans reported as business-purpose, Cumberland County ranks 6th-highest of North Carolina's 42 counties with published data (statewide: 70.9%).
81.3% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
21.1% of Cumberland County's investor loans were cash-out refinances, the 9th-highest share of North Carolina's 42 counties with published data (statewide: 15.7%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
Does a DSCR loan pencil in Cumberland County?
At HUD's fair market rent of $1,937 for a 3-bedroom in Cumberland County, North Carolina, a rental covers its full DSCR payment up to a purchase price of about $290,000, with 20% down at the 7.25% starting rate (November 2026). Cumberland County's median home value is $199,200; at that price the payment is $1,324 a month, so the property would need $1,325 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) | $1,476 / $1,937 / $2,380 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $199,200 |
| Median property taxes and effective rate | $1,850 (0.93% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,324 |
| Rent needed to cover that payment | $1,325 |
| Coverage of a 3-bedroom at fair market rent | 1.46 |
| Highest price a 3-bedroom at fair market rent covers | about $290,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $440,000 |
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 Cumberland County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Cumberland County?
The most active investment-property lenders in Cumberland County in 2025 HMDA data were Kiavi Funding, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and Rocket Mortgage, LLC, out of 136 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 Cumberland County, and matches each file to the one most likely to fund it.
Cumberland County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 781 loans and $138.0M from 136 lenders. Kiavi Funding, Inc. led Cumberland County with 120 loans, 15.4% of the county's total, and the average Cumberland County loan of $177K compares with $278K across North Carolina.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 120 | $20.4M | $170K | 74.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 47 | $6.9M | $147K | 51.1% |
| Rocket Mortgage, LLC | 32 | $4.0M | $125K | 28.1% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 30 | $7.8M | $259K | 60.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 22 | $4.1M | $186K | 95.5% |
| LIMA ONE CAPITAL, LLC | 21 | $3.4M | $163K | 76.2% |
| First-Citizens Bank & Trust Company | 20 | $3.1M | $157K | 80.0% |
| CV3 FINANCIAL SERVICES, LLC | 20 | $3.0M | $151K | 55.0% |
| STATE EMPLOYEES' | 19 | $2.8M | $145K | 68.4% |
| Loan Funder LLC | 18 | $3.0M | $164K | 72.2% |
| NEWREZ LLC | 14 | $2.3M | $161K | 28.6% |
| AMERICAN HERITAGE LENDING, LLC | 14 | $2.0M | $146K | 7.1% |
| DOMINION FINANCIAL SERVICES, LLC | 13 | $2.8M | $216K | 38.5% |
| THE LOAN STORE, INC. | 12 | $1.9M | $157K | 100.0% |
| Lumbee Guaranty Bank | 12 | $1.0M | $84K | 58.3% |
| MORIA DEVELOPMENT, INC. | 11 | $2.3M | $213K | 100.0% |
| Alcova Mortgage LLC | 11 | $1.9M | $170K | 72.7% |
| Hometown Equity Mortgage, LLC | 11 | $1.8M | $166K | 18.2% |
| HOMEXPRESS MORTGAGE CORP. | 11 | $1.6M | $147K | 27.3% |
| UNION HOME MORTGAGE CORP. | 11 | $1.6M | $145K | 72.7% |
| BPL MORTGAGE TRUST, LLC | 11 | $1.4M | $126K | 36.4% |
| LENDINGONE, LLC | 10 | $1.5M | $152K | 30.0% |
| CHAMPIONS FUNDING, LLC | 9 | $1.8M | $204K | 33.3% |
| GUARANTEED RATE, INC. | 9 | $1.7M | $193K | 55.6% |
| PENNYMAC LOAN SERVICES, LLC | 8 | $1.4M | $174K | 25.0% |
846 North Carolina loans (3.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Cumberland County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Cumberland County CSV, all 25 lenders
What Cumberland County's table can't show you: fit. Short-term financing is exempt from HMDA, so Cumberland County's fix-and-flip and bridge lenders barely appear among its 136 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 Cumberland County, North Carolina deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Cumberland 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 — Cumberland County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 136 lenders and 781 loans: 2025 HMDA loan-level data rolled up to Cumberland County.
- Cumberland County investor-lender dataset (CSV) — All 25 lenders in the Cumberland County, North Carolina table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Cumberland 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 Fayetteville, NC HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Cumberland 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.