DSCR Loans in Edgecombe 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, 41 lenders made 106 investment-property loans in Edgecombe County, 0.5% of North Carolina's total. Dominick Prevete arranges DSCR loans across Edgecombe 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 $230,000.
Edgecombe County investor market at a glance
| Statistic | Edgecombe County | North Carolina | County rank |
|---|---|---|---|
| Investor loans | 106 | 21,470 | 41st of 42 |
| Reporting lenders | 41 | 601 | 42nd of 42 |
| Loan volume | $12.3M | $5.97B | 42nd of 42 |
| Average loan | $116K | $278K | 42nd of 42 |
| Median loan | $105K | $225K | 42nd of 42 |
| Purchases | 45.3% | 64.5% | 42nd of 42 |
| Cash-out refinances | 29.2% | 15.7% | 2nd of 42 |
| 2–4 unit properties | 15.1% | 6.3% | 3rd of 42 |
| Top five lenders' share | 39.6% | 23.4% | 9th of 42 |
| Reported business-purpose | 88.7% | 70.9% | 2nd of 42 |
Edgecombe County: closed-end loans on 1–4 unit investment properties. Edgecombe County's rank is highest first, among North Carolina's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Edgecombe County's investor loans.
What stands out in Edgecombe County
45.3% of Edgecombe County's investor loans were purchases, the lowest share of North Carolina's 42 counties with published data (statewide: 64.5%).
Most investor loans here refinance property investors already own. A DSCR refinance qualifies on the property's current rent.
The median investor loan in Edgecombe County was $105K, the 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.
29.2% of Edgecombe County's investor loans were cash-out refinances, the 2nd-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 Edgecombe County?
At HUD's fair market rent of $1,567 for a 3-bedroom in Edgecombe County, North Carolina, a rental covers its full DSCR payment up to a purchase price of about $230,000, with 20% down at the 7.25% starting rate (November 2026). Edgecombe County's median home value is $125,100; at that price the payment is $844 a month, so the property would need $850 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) | $1,167 / $1,567 / $1,787 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $125,100 |
| Median property taxes and effective rate | $1,306 (1.04% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $844 |
| Rent needed to cover that payment | $850 |
| Coverage of a 3-bedroom at fair market rent | 1.86 |
| Highest price a 3-bedroom at fair market rent covers | about $230,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $345,000 |
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 Edgecombe County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Edgecombe County?
The most active investment-property lenders in Edgecombe County in 2025 HMDA data were Kiavi Funding, Inc.; DOMINION FINANCIAL SERVICES, LLC; and CV3 FINANCIAL SERVICES, LLC, out of 41 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 Edgecombe County, and matches each file to the one most likely to fund it.
Edgecombe County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 106 loans and $12.3M from 41 lenders. Kiavi Funding, Inc. led Edgecombe County with 18 loans, 17.0% of the county's total, and the average Edgecombe County loan of $116K compares with $278K across North Carolina.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 18 | $2.2M | $121K | 38.9% |
| DOMINION FINANCIAL SERVICES, LLC | 7 | $0.9M | $129K | 28.6% |
| CV3 FINANCIAL SERVICES, LLC | 7 | $0.8M | $111K | 71.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 5 | $0.5M | $109K | 40.0% |
| AAA CAPITAL INVESTMENT, INC. | 5 | $0.5M | $97K | 0.0% |
| STATE EMPLOYEES' | 5 | $0.4M | $87K | 100.0% |
| A&D Mortgage LLC | 4 | $0.5M | $125K | 100.0% |
| BPL MORTGAGE TRUST, LLC | 4 | $0.4M | $103K | 25.0% |
| Providence Bank | 4 | $0.3M | $78K | 0.0% |
| Southern Bank and Trust Company | 4 | $0.3M | $73K | 75.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | $0.5M | $172K | 33.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | $0.4M | $128K | 33.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | $0.2M | $58K | 66.7% |
| CHAMPIONS FUNDING, LLC | 2 | $0.4M | $185K | 50.0% |
| Loan Funder LLC | 2 | $0.3M | $175K | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | $0.3M | $130K | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | $0.3M | $125K | 0.0% |
| LIMA ONE CAPITAL, LLC | 2 | $0.2M | $90K | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | $0.1M | $70K | 100.0% |
| First-Citizens Bank & Trust Company | 1 | $0.3M | $335K | 100.0% |
| Greenbox Loans, Inc. | 1 | $0.3M | $255K | 0.0% |
| Alcova Mortgage LLC | 1 | $0.2M | $225K | 100.0% |
| Bank OZK | 1 | $0.2M | $205K | 100.0% |
| NATIONSTAR MORTGAGE LLC | 1 | $0.2M | $165K | 0.0% |
| Loandepot.Com, LLC | 1 | $0.2M | $155K | 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 Edgecombe County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Edgecombe County CSV, all 25 lenders
What Edgecombe County's table can't show you: fit. Short-term financing is exempt from HMDA, so Edgecombe County's fix-and-flip and bridge lenders barely appear among its 41 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 Edgecombe County, North Carolina deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Edgecombe 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 — Edgecombe County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 41 lenders and 106 loans: 2025 HMDA loan-level data rolled up to Edgecombe County.
- Edgecombe County investor-lender dataset (CSV) — All 25 lenders in the Edgecombe County, North Carolina table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Edgecombe 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 Rocky Mount, NC MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Edgecombe 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.