DSCR Loans in Forsyth 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, 154 lenders made 698 investment-property loans in Forsyth County, 3.3% of North Carolina's total. Dominick Prevete arranges DSCR loans across Forsyth 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 $265,000.
Forsyth County investor market at a glance
| Statistic | Forsyth County | North Carolina | County rank |
|---|---|---|---|
| Investor loans | 698 | 21,470 | 6th of 42 |
| Reporting lenders | 154 | 601 | 6th of 42 |
| Loan volume | $138.5M | $5.97B | 9th of 42 |
| Average loan | $198K | $278K | 30th of 42 |
| Median loan | $165K | $225K | 30th of 42 |
| Purchases | 64.5% | 64.5% | 20th of 42 |
| Cash-out refinances | 16.9% | 15.7% | 20th of 42 |
| 2–4 unit properties | 3.9% | 6.3% | 33rd of 42 |
| Top five lenders' share | 32.7% | 23.4% | 22nd of 42 |
| Reported business-purpose | 77.4% | 70.9% | 18th of 42 |
Forsyth County: closed-end loans on 1–4 unit investment properties. Forsyth County's rank is highest first, among North Carolina's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Forsyth County's investor loans.
What stands out in Forsyth County
3.9% of Forsyth County's investor loans financed a 2–4 unit property, the 10th-lowest share of North Carolina's 42 counties with published data (statewide: 6.3%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Forsyth County's 698 investor loans ranked 6th of North Carolina's 42 counties with published data.
Does a DSCR loan pencil in Forsyth County?
At HUD's fair market rent of $1,754 for a 3-bedroom in Forsyth County, North Carolina, a rental covers its full DSCR payment up to a purchase price of about $265,000, with 20% down at the 7.25% starting rate (November 2026). Forsyth County's median home value is $250,400; at that price the payment is $1,636 a month, so the property would need $1,650 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) | $1,332 / $1,754 / $2,135 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $250,400 |
| Median property taxes and effective rate | $1,984 (0.79% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,636 |
| Rent needed to cover that payment | $1,650 |
| Coverage of a 3-bedroom at fair market rent | 1.07 |
| Highest price a 3-bedroom at fair market rent covers | about $265,000 |
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 Forsyth County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Forsyth County?
The most active investment-property lenders in Forsyth County in 2025 HMDA data were Kiavi Funding, Inc.; DHI MORTGAGE COMPANY, LTD.; and LENNAR MORTGAGE, LLC, out of 154 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 Forsyth County, and matches each file to the one most likely to fund it.
Forsyth County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 698 loans and $138.5M from 154 lenders. Kiavi Funding, Inc. led Forsyth County with 81 loans, 11.6% of the county's total, and the average Forsyth County loan of $198K compares with $278K across North Carolina.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 81 | $10.3M | $128K | 25.9% |
| DHI MORTGAGE COMPANY, LTD. | 45 | $8.8M | $196K | 100.0% |
| LENNAR MORTGAGE, LLC | 39 | $8.1M | $207K | 100.0% |
| STATE EMPLOYEES' | 34 | $5.8M | $172K | 88.2% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 29 | $5.0M | $172K | 58.6% |
| Bank OZK | 19 | $5.0M | $261K | 89.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 17 | $2.5M | $146K | 64.7% |
| Rocket Mortgage, LLC | 15 | $2.1M | $143K | 40.0% |
| CHAMPIONS FUNDING, LLC | 14 | $3.4M | $245K | 50.0% |
| Pinnacle Bank | 12 | $1.9M | $156K | 33.3% |
| Loan Funder LLC | 11 | $1.3M | $120K | 36.4% |
| Fairway Independent Mortgage Corporation | 10 | $2.1M | $207K | 80.0% |
| Wells Fargo Bank, National Association | 10 | $1.9M | $187K | 60.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 10 | $1.6M | $156K | 80.0% |
| PLAZA HOME MORTGAGE, INC. | 9 | $1.8M | $196K | 44.4% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 9 | $1.5M | $168K | 88.9% |
| BPL MORTGAGE TRUST, LLC | 9 | $1.4M | $151K | 33.3% |
| Piedmont Federal Savings Bank | 8 | $3.0M | $370K | 37.5% |
| CV3 FINANCIAL SERVICES, LLC | 8 | $1.2M | $149K | 75.0% |
| The Fidelity Bank | 8 | $1.1M | $140K | 62.5% |
| KIND LENDING, LLC | 7 | $1.4M | $198K | 57.1% |
| THE LOAN STORE, INC. | 7 | $1.2M | $171K | 71.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 7 | $1.2M | $171K | 100.0% |
| Hometown Equity Mortgage, LLC | 6 | $1.6M | $265K | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 6 | $1.2M | $205K | 50.0% |
846 North Carolina loans (3.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Forsyth County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Forsyth County CSV, all 25 lenders
What Forsyth County's table can't show you: fit. Short-term financing is exempt from HMDA, so Forsyth County's fix-and-flip and bridge lenders barely appear among its 154 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 Forsyth County, North Carolina deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Forsyth 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 — Forsyth County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 154 lenders and 698 loans: 2025 HMDA loan-level data rolled up to Forsyth County.
- Forsyth County investor-lender dataset (CSV) — All 25 lenders in the Forsyth County, North Carolina table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Forsyth 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 Winston-Salem, NC HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Forsyth 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.