DSCR Loans in DeKalb County, Alabama
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 28 lenders made 112 investment-property loans in DeKalb County, 1.1% of Alabama's total. Dominick Prevete arranges DSCR loans across DeKalb 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 $185,000.
DeKalb County investor market at a glance
| Statistic | DeKalb County | Alabama | County rank |
|---|---|---|---|
| Investor loans | 112 | 10,035 | 22nd of 23 |
| Reporting lenders | 28 | 495 | 23rd of 23 |
| Loan volume | $17.9M | $1.98B | 22nd of 23 |
| Average loan | $160K | $197K | 14th of 23 |
| Median loan | $125K | $145K | 13th of 23 |
| Purchases | 29.5% | 57.9% | 23rd of 23 |
| Cash-out refinances | 41.1% | 16.1% | 1st of 23 |
| 2–4 unit properties | 4.5% | 8.1% | 20th of 23 |
| Top five lenders' share | 74.1% | 18.5% | 2nd of 23 |
| Reported business-purpose | 57.1% | 68.3% | 16th of 23 |
DeKalb County: closed-end loans on 1–4 unit investment properties. DeKalb County's rank is highest first, among Alabama's counties with at least 100 investor loans and 25 reporting lenders. Shares are of DeKalb County's investor loans.
What stands out in DeKalb County
41.1% of DeKalb County's investor loans were cash-out refinances, the highest share of Alabama's 23 counties with published data (statewide: 16.1%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
29.5% of DeKalb County's investor loans were purchases, the lowest share of Alabama's 23 counties with published data (statewide: 57.9%).
Most investor loans here refinance property investors already own. A DSCR refinance qualifies on the property's current rent.
The five most active lenders wrote 74.1% of DeKalb County's investor loans, the 2nd-highest share of Alabama's 23 counties with published data (statewide: 18.5%).
Five lenders write 74.1% of the loans here, so comparing written term sheets matters more.
Does a DSCR loan pencil in DeKalb County?
At HUD's fair market rent of $1,154 for a 3-bedroom in DeKalb County, Alabama, a rental covers its full DSCR payment up to a purchase price of about $185,000, with 20% down at the 7.25% starting rate (November 2026). DeKalb County's median home value is $152,700; at that price the payment is $938 a month, so the property would need $950 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) | $921 / $1,154 / $1,539 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $152,700 |
| Median property taxes and effective rate | $496 (0.32% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $938 |
| Rent needed to cover that payment | $950 |
| Coverage of a 3-bedroom at fair market rent | 1.23 |
| Highest price a 3-bedroom at fair market rent covers | about $185,000 |
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 DeKalb County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in DeKalb County?
The most active investment-property lenders in DeKalb County in 2025 HMDA data were FAMILY SAVINGS CREDIT UNION, Liberty Bank and Peoples Independent Bank, out of 28 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 and matches each file to the one most likely to fund it.
DeKalb County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 112 loans and $17.9M from 28 lenders. FAMILY SAVINGS CREDIT UNION led DeKalb County with 46 loans, 41.1% of the county's total, and the average DeKalb County loan of $160K compares with $197K across Alabama.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| FAMILY SAVINGS CREDIT UNION | 46 | $9.1M | $197K | 8.7% |
| Liberty Bank | 24 | $2.9M | $119K | 45.8% |
| Peoples Independent Bank | 6 | $0.8M | $140K | 16.7% |
| Citizens Bank & Trust, Inc. | 4 | $0.3M | $78K | 25.0% |
| Cadence Bank | 3 | $0.4M | $128K | 66.7% |
| LEI:98450062C847FDDA7405 | 3 | $0.2M | $58K | 33.3% |
| River City Bank | 2 | $0.4M | $205K | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 2 | $0.3M | $130K | 0.0% |
| Rocket Mortgage, LLC | 2 | $0.2M | $105K | 0.0% |
| Citizens Bank & Trust | 2 | $0.2M | $85K | 0.0% |
| Metro Bank | 1 | $0.5M | $485K | 100.0% |
| First Federal Bank | 1 | $0.4M | $365K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 1 | $0.3M | $305K | 100.0% |
| LENDSURE MORTGAGE CORP. | 1 | $0.3M | $255K | 0.0% |
| First South Farm Credit, ACA | 1 | $0.2M | $235K | 100.0% |
| First National Bank of Pulaski | 1 | $0.2M | $235K | 100.0% |
| Community Bank of Mississippi | 1 | $0.2M | $225K | 100.0% |
| West Alabama Bank & Trust | 1 | $0.2M | $175K | 100.0% |
| MORTGAGE INVESTORS GROUP, INC. | 1 | $0.1M | $135K | 100.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | $0.1M | $125K | 100.0% |
| GEORGIA'S OWN | 1 | $0.1M | $105K | 100.0% |
| AmeriSave Mortgage Corporation | 1 | $0.1M | $105K | 0.0% |
| GoodLeap, LLC | 1 | $0.1M | $105K | 0.0% |
| Mortgage Research Center, LLC | 1 | $0.1M | $95K | 100.0% |
| EvaBank | 1 | $0.1M | $95K | 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 DeKalb County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · DeKalb County CSV, all 25 lenders
What DeKalb County's table can't show you: fit. Short-term financing is exempt from HMDA, so DeKalb County's fix-and-flip and bridge lenders barely appear among its 28 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 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 DeKalb County, Alabama deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a DeKalb 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 — DeKalb County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 28 lenders and 112 loans: 2025 HMDA loan-level data rolled up to DeKalb County.
- DeKalb County investor-lender dataset (CSV) — All 25 lenders in the DeKalb County, Alabama table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — DeKalb 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 DeKalb County, AL.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — DeKalb 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.