DSCR Loans in the District of Columbia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
Dominick Prevete arranges DSCR loans across the District of Columbia, 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. In 2025 HMDA data, 201 lenders made 983 investment-property loans in the District of Columbia; the most active are in the table below.
See which lenders are most active in the District of Columbia →
District of Columbia investor market at a glance
| Statistic | District of Columbia | National | State rank |
|---|---|---|---|
| Investor loans | 983 | 553,332 | 48th of 51 |
| Reporting lenders | 201 | 4,120 | 42nd of 51 |
| Loan volume | $591.0M | $190.57B | 41st of 51 |
| Average loan | $601K | $344K | 4th of 51 |
| Median loan | $435K | — | 4th of 51 |
| Purchases | 49.6% | 59.2% | 50th of 51 |
| Cash-out refinances | 25.8% | 18.8% | 4th of 51 |
| 2–4 unit properties | 17.4% | 17.3% | 27th of 51 |
| Top five lenders' share | 15.6% | 21.9% | 47th of 51 |
| Reported business-purpose | 75.0% | 70.8% | 10th of 51 |
District of Columbia: closed-end loans on 1–4 unit investment properties. Rank is highest first among the 50 states and DC. The national figures are totals for loans and volume, distinct filers for lenders, and loan-weighted averages for every share; a median does not combine across states.
What stands out in the District of Columbia
49.6% of the District of Columbia's investor loans were purchases, the 2nd-lowest share of the 50 states and DC (national figure: 59.2%).
Most investor loans here refinance property investors already own. A DSCR refinance qualifies on the property's current rent.
The average investor loan in the District of Columbia was $601K, the 4th-highest average of the 50 states and DC (national figure: $344K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
25.8% of the District of Columbia's investor loans were cash-out refinances, the 4th-highest share of the 50 states and DC (national figure: 18.8%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
Who are the DSCR and investment-property lenders in the District of Columbia?
The most active investment-property lenders in the District of Columbia in 2025 HMDA data were Kiavi Funding, Inc.; Rocket Mortgage, LLC; and United Wholesale Mortgage, out of 201 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 the District of Columbia, and matches each file to the one most likely to fund it.
Every year, lenders report their originations under the Home Mortgage Disclosure Act. We filtered the District of Columbia's 2025 filings to closed-end loans on 1–4 unit investment properties: 983 loans totaling $0.59B across 201 lenders. These were the most active.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 49 | $25.4M | $518K | 85.7% |
| Rocket Mortgage, LLC | 34 | $12.0M | $352K | 20.6% |
| United Wholesale Mortgage | 25 | $8.2M | $327K | 52.0% |
| OCMBC, INC. | 24 | $10.7M | $444K | 25.0% |
| ANCHOR LOANS, LP | 21 | $57.9M | $2757K | 57.1% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 21 | $19.6M | $935K | 47.6% |
| Loan Funder LLC | 21 | $13.0M | $621K | 76.2% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 21 | $10.8M | $513K | 14.3% |
| Atlantic Union Bank | 17 | $16.6M | $974K | 82.4% |
| FIRST SAVINGS MORTGAGE CORPORATION | 17 | $8.9M | $524K | 58.8% |
| LENDINGONE, LLC | 16 | $7.6M | $474K | 31.2% |
| HOMEXPRESS MORTGAGE CORP. | 15 | $7.2M | $481K | 26.7% |
| Hometown Equity Mortgage, LLC | 14 | $15.9M | $1135K | 35.7% |
| BPL MORTGAGE TRUST, LLC | 14 | $6.0M | $425K | 21.4% |
| GUARANTEED RATE, INC. | 13 | $7.7M | $593K | 84.6% |
| PENNYMAC LOAN SERVICES, LLC | 13 | $7.2M | $550K | 84.6% |
| Investor Mortgage Finance LLC | 13 | $5.9M | $453K | 7.7% |
| THE LOAN STORE, INC. | 12 | $7.2M | $601K | 50.0% |
| CV3 Financial Services, LLC | 12 | $7.0M | $588K | 83.3% |
| RCN Capital, LLC | 12 | $5.7M | $473K | 58.3% |
| Atlantic Coast Mortgage, LLC | 12 | $4.8M | $396K | 83.3% |
| Capital Bank, National Association | 11 | $10.7M | $970K | 45.5% |
| NEWREZ LLC | 11 | $5.4M | $487K | 36.4% |
| Easy Street Capital, LLC | 11 | $4.0M | $368K | 0.0% |
| NFM, INC. | 11 | $2.8M | $253K | 36.4% |
Source: 2025 HMDA loan-level data (CFPB/FFIEC Data Browser), retrieved November 11, 2026. Updated annually. See how this data is built or download the full dataset (CSV) — all 201 reporting lenders with every underlying figure. Researching the market rather than financing a property? The District of Columbia lending data page covers this table on its own.
What this table can't show you: fit. HMDA exempts short-term financing, so fix-and-flip and bridge lenders barely appear here — and no federal dataset knows which lender's 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 →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Run the coverage test on your District of Columbia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a District of Columbia 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 — The District of Columbia's at-a-glance figures, its rank among the 50 states and DC, its observations and the Quick Read's 201 lenders and 983 loans: 2025 HMDA loan-level data.
- District of Columbia investor-lender dataset (CSV) — Every District of Columbia lender behind the table above, with volume, average loan and purchase share for each.
- District of Columbia investor lending data, Dominick Prevete — The District of Columbia table on its own, with the District's concentration figures and the method behind them.
- 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.