DSCR Loans in Fairfax County, Virginia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 188 lenders made 987 investment-property loans in Fairfax County, 7.6% of Virginia's total. Dominick Prevete arranges DSCR loans across Fairfax County, Virginia, 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 $460,000.
Fairfax County investor market at a glance
| Statistic | Fairfax County | Virginia | County rank |
|---|---|---|---|
| Investor loans | 987 | 12,943 | 1st of 27 |
| Reporting lenders | 188 | 503 | 1st of 27 |
| Loan volume | $511.1M | $3.74B | 1st of 27 |
| Average loan | $518K | $289K | 3rd of 27 |
| Median loan | $405K | $225K | 2nd of 27 |
| Purchases | 67.6% | 62.0% | 10th of 27 |
| Cash-out refinances | 15.6% | 17.7% | 17th of 27 |
| 2–4 unit properties | 0.4% | 7.7% | 26th of 27 |
| Top five lenders' share | 18.7% | 18.5% | 27th of 27 |
| Reported business-purpose | 64.0% | 68.5% | 20th of 27 |
Fairfax County: closed-end loans on 1–4 unit investment properties. Fairfax County's rank is highest first, among Virginia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Fairfax County's investor loans.
What stands out in Fairfax County
The five most active lenders wrote 18.7% of Fairfax County's investor loans, the lowest share of Virginia's 27 counties with published data (statewide: 18.5%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
The median investor loan in Fairfax County was $405K, the 2nd-highest median of Virginia's 27 counties with published data (statewide: $225K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
0.4% of Fairfax County's investor loans financed a 2–4 unit property, the 2nd-lowest share of Virginia's 27 counties with published data (statewide: 7.7%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Does a DSCR loan pencil in Fairfax County?
At HUD's fair market rent of $3,107 for a 3-bedroom in Fairfax County, Virginia, a rental covers its full DSCR payment up to a purchase price of about $460,000, with 20% down at the 7.25% starting rate (November 2026). Fairfax County's median home value is $732,800; at that price the payment is $4,919 a month, so the property would need $4,925 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $2,438 / $3,107 / $3,658 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $732,800 |
| Median property taxes and effective rate | $7,368 (1.01% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $4,919 |
| Rent needed to cover that payment | $4,925 |
| Coverage of a 3-bedroom at fair market rent | 0.63 |
| Highest price a 3-bedroom at fair market rent covers | about $460,000 |
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 Fairfax County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Fairfax County?
The most active investment-property lenders in Fairfax County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; PENNYMAC LOAN SERVICES, LLC; and Rocket Mortgage, LLC, out of 188 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 Fairfax County, and matches each file to the one most likely to fund it.
Fairfax County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 987 loans and $511.1M from 188 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Fairfax County with 56 loans, 5.7% of the county's total, and the average Fairfax County loan of $518K compares with $289K across Virginia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 56 | $23.8M | $424K | 53.6% |
| PENNYMAC LOAN SERVICES, LLC | 43 | $18.3M | $425K | 67.4% |
| Rocket Mortgage, LLC | 33 | $13.2M | $401K | 48.5% |
| MainStreet Bank | 28 | $46.2M | $1649K | 78.6% |
| Atlantic Coast Mortgage, LLC | 25 | $9.7M | $387K | 80.0% |
| AMWEST FUNDING CORP. | 25 | $8.8M | $353K | 68.0% |
| Kiavi Funding, Inc. | 24 | $17.2M | $717K | 91.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 24 | $8.8M | $368K | 83.3% |
| INTERCOASTAL MORTGAGE, LLC | 22 | $11.9M | $542K | 77.3% |
| First Heritage Mortgage, LLC | 22 | $8.7M | $394K | 86.4% |
| THE LOAN STORE, INC. | 18 | $5.9M | $327K | 44.4% |
| FIRST SAVINGS MORTGAGE CORPORATION | 16 | $6.5M | $408K | 100.0% |
| NFM, INC. | 16 | $6.2M | $388K | 68.8% |
| Prosperity Home Mortgage, LLC | 15 | $5.7M | $383K | 86.7% |
| A&D Mortgage LLC | 15 | $5.2M | $346K | 46.7% |
| OCMBC, INC. | 15 | $5.1M | $341K | 60.0% |
| LIMA ONE CAPITAL, LLC | 14 | $11.4M | $818K | 92.9% |
| JPMorgan Chase Bank, National Association | 14 | $5.6M | $399K | 42.9% |
| Truist Bank | 13 | $6.4M | $493K | 84.6% |
| MOVEMENT MORTGAGE, LLC | 13 | $5.3M | $407K | 76.9% |
| GUARANTEED RATE, INC. | 13 | $4.3M | $329K | 46.2% |
| KIND LENDING, LLC | 12 | $5.8M | $486K | 66.7% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 12 | $5.1M | $423K | 91.7% |
| Trustar Bank | 11 | $14.5M | $1320K | 100.0% |
| NEWREZ LLC | 11 | $5.8M | $531K | 63.6% |
316 Virginia loans (2.4%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Fairfax County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Fairfax County CSV, all 25 lenders
What Fairfax County's table can't show you: fit. Short-term financing is exempt from HMDA, so Fairfax County's fix-and-flip and bridge lenders barely appear among its 188 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 Fairfax County, Virginia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Fairfax County, Virginia 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 — Fairfax County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 188 lenders and 987 loans: 2025 HMDA loan-level data rolled up to Fairfax County.
- Fairfax County investor-lender dataset (CSV) — All 25 lenders in the Fairfax County, Virginia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Fairfax 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 Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Fairfax 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.