DSCR Loans in Davidson 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, 79 lenders made 206 investment-property loans in Davidson County, 1.0% of North Carolina's total. Dominick Prevete arranges DSCR loans across Davidson 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 $235,000.
Davidson County investor market at a glance
| Statistic | Davidson County | North Carolina | County rank |
|---|---|---|---|
| Investor loans | 206 | 21,470 | 25th of 42 |
| Reporting lenders | 79 | 601 | 23rd of 42 |
| Loan volume | $38.8M | $5.97B | 30th of 42 |
| Average loan | $188K | $278K | 31st of 42 |
| Median loan | $160K | $225K | 32nd of 42 |
| Purchases | 56.3% | 64.5% | 32nd of 42 |
| Cash-out refinances | 20.9% | 15.7% | 10th of 42 |
| 2–4 unit properties | 12.6% | 6.3% | 9th of 42 |
| Top five lenders' share | 32.0% | 23.4% | 25th of 42 |
| Reported business-purpose | 79.1% | 70.9% | 12th of 42 |
Davidson County: closed-end loans on 1–4 unit investment properties. Davidson County's rank is highest first, among North Carolina's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Davidson County's investor loans.
What stands out in Davidson County
12.6% of Davidson County's investor loans financed a 2–4 unit property, the 9th-highest share of North Carolina's 42 counties with published data (statewide: 6.3%).
2–4 unit properties are a larger share here than in most of North Carolina. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
20.9% of Davidson County's investor loans were cash-out refinances, the 10th-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.
The median investor loan in Davidson County was $160K, the 10th-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.
Does a DSCR loan pencil in Davidson County?
At HUD's fair market rent of $1,505 for a 3-bedroom in Davidson County, North Carolina, a rental covers its full DSCR payment up to a purchase price of about $235,000, with 20% down at the 7.25% starting rate (November 2026). Davidson County's median home value is $219,100; at that price the payment is $1,397 a month, so the property would need $1,400 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) | $1,087 / $1,505 / $1,817 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $219,100 |
| Median property taxes and effective rate | $1,320 (0.60% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,397 |
| Rent needed to cover that payment | $1,400 |
| Coverage of a 3-bedroom at fair market rent | 1.08 |
| Highest price a 3-bedroom at fair market rent covers | about $235,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $340,000 |
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 Davidson County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Davidson County?
The most active investment-property lenders in Davidson County in 2025 HMDA data were Kiavi Funding, Inc.; Pinnacle Bank; and First National Bank of Pennsylvania, out of 79 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 Davidson County, and matches each file to the one most likely to fund it.
Davidson County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 206 loans and $38.8M from 79 lenders. Kiavi Funding, Inc. led Davidson County with 31 loans, 15.0% of the county's total, and the average Davidson County loan of $188K compares with $278K across North Carolina.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 31 | $5.9M | $190K | 67.7% |
| Pinnacle Bank | 11 | $2.7M | $249K | 63.6% |
| First National Bank of Pennsylvania | 8 | $1.8M | $221K | 75.0% |
| AMERICAN HERITAGE LENDING, LLC | 8 | $1.3M | $161K | 37.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 8 | $1.1M | $144K | 62.5% |
| The Fidelity Bank | 7 | $1.5M | $214K | 42.9% |
| Rocket Mortgage, LLC | 7 | $1.4M | $199K | 42.9% |
| STATE EMPLOYEES' | 7 | $1.0M | $139K | 57.1% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 6 | $1.3M | $208K | 50.0% |
| Bank OZK | 6 | $0.8M | $127K | 66.7% |
| DHI MORTGAGE COMPANY, LTD. | 4 | $1.1M | $270K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | $0.8M | $210K | 50.0% |
| MOVEMENT MORTGAGE, LLC | 4 | $0.7M | $173K | 75.0% |
| Loan Funder LLC | 4 | $0.4M | $108K | 25.0% |
| Hometown Equity Mortgage, LLC | 3 | $0.7M | $228K | 33.3% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 3 | $0.6M | $198K | 66.7% |
| NEWREZ LLC | 3 | $0.4M | $138K | 0.0% |
| CV3 FINANCIAL SERVICES, LLC | 3 | $0.4M | $128K | 66.7% |
| BPL MORTGAGE TRUST, LLC | 3 | $0.4M | $128K | 0.0% |
| Select Bank | 3 | $0.3M | $98K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | $0.4M | $220K | 50.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | $0.4M | $190K | 50.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | $0.4M | $190K | 50.0% |
| OCMBC, INC. | 2 | $0.3M | $170K | 50.0% |
| AmeriSave Mortgage Corporation | 2 | $0.3M | $170K | 0.0% |
846 North Carolina loans (3.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Davidson County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Davidson County CSV, all 25 lenders
What Davidson County's table can't show you: fit. Short-term financing is exempt from HMDA, so Davidson County's fix-and-flip and bridge lenders barely appear among its 79 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 Davidson County, North Carolina deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Davidson 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 — Davidson County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 79 lenders and 206 loans: 2025 HMDA loan-level data rolled up to Davidson County.
- Davidson County investor-lender dataset (CSV) — All 25 lenders in the Davidson County, North Carolina table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Davidson 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 Davidson County, NC HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Davidson 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.