DSCR Loans in Gaston 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, 142 lenders made 563 investment-property loans in Gaston County, 2.6% of North Carolina's total. Dominick Prevete arranges DSCR loans across Gaston 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 $335,000.
Gaston County investor market at a glance
| Statistic | Gaston County | North Carolina | County rank |
|---|---|---|---|
| Investor loans | 563 | 21,470 | 9th of 42 |
| Reporting lenders | 142 | 601 | 8th of 42 |
| Loan volume | $117.9M | $5.97B | 13th of 42 |
| Average loan | $209K | $278K | 28th of 42 |
| Median loan | $175K | $225K | 27th of 42 |
| Purchases | 53.3% | 64.5% | 36th of 42 |
| Cash-out refinances | 23.1% | 15.7% | 6th of 42 |
| 2–4 unit properties | 5.2% | 6.3% | 26th of 42 |
| Top five lenders' share | 26.6% | 23.4% | 37th of 42 |
| Reported business-purpose | 80.1% | 70.9% | 8th of 42 |
Gaston County: closed-end loans on 1–4 unit investment properties. Gaston County's rank is highest first, among North Carolina's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Gaston County's investor loans.
What stands out in Gaston County
23.1% of Gaston County's investor loans were cash-out refinances, the 6th-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.
The five most active lenders wrote 26.6% of Gaston County's investor loans, the 6th-lowest share of North Carolina's 42 counties with published data (statewide: 23.4%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
53.3% of Gaston County's investor loans were purchases, the 7th-lowest share of North Carolina's 42 counties with published data (statewide: 64.5%).
Refinances are a larger share here than in most of North Carolina. A DSCR refinance qualifies on the property's current rent.
Does a DSCR loan pencil in Gaston County?
At HUD's fair market rent of $2,179 for a 3-bedroom in Gaston County, North Carolina, a rental covers its full DSCR payment up to a purchase price of about $335,000, with 20% down at the 7.25% starting rate (November 2026). Gaston County's median home value is $266,000; at that price the payment is $1,728 a month, so the property would need $1,750 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) | $1,785 / $2,179 / $2,773 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $266,000 |
| Median property taxes and effective rate | $1,982 (0.75% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,728 |
| Rent needed to cover that payment | $1,750 |
| Coverage of a 3-bedroom at fair market rent | 1.26 |
| Highest price a 3-bedroom at fair market rent covers | about $335,000 |
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 Gaston County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Gaston County?
The most active investment-property lenders in Gaston County in 2025 HMDA data were Kiavi Funding, Inc.; DEEPHAVEN MORTGAGE LLC; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 142 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 Gaston County, and matches each file to the one most likely to fund it.
Gaston County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 563 loans and $117.9M from 142 lenders. Kiavi Funding, Inc. led Gaston County with 72 loans, 12.8% of the county's total, and the average Gaston County loan of $209K compares with $278K across North Carolina.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 72 | $16.1M | $223K | 66.7% |
| DEEPHAVEN MORTGAGE LLC | 22 | $3.4M | $155K | 27.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 20 | $3.4M | $169K | 45.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 19 | $3.9M | $203K | 26.3% |
| STATE EMPLOYEES' | 17 | $2.6M | $151K | 29.4% |
| LENNAR MORTGAGE, LLC | 16 | $4.7M | $293K | 100.0% |
| Rocket Mortgage, LLC | 16 | $3.1M | $193K | 62.5% |
| Easy Street Capital, LLC | 16 | $2.8M | $173K | 0.0% |
| Loan Funder LLC | 15 | $3.0M | $199K | 60.0% |
| LENDINGONE, LLC | 14 | $3.1M | $222K | 28.6% |
| LIMA ONE CAPITAL, LLC | 13 | $4.1M | $313K | 38.5% |
| American Security Mortgage Corp. | 11 | $2.5M | $226K | 81.8% |
| PENNYMAC LOAN SERVICES, LLC | 10 | $2.1M | $208K | 40.0% |
| CHAMPIONS FUNDING, LLC | 10 | $1.8M | $184K | 50.0% |
| CONVENTUS LLC | 9 | $2.3M | $252K | 44.4% |
| GUILD MORTGAGE COMPANY | 9 | $1.6M | $176K | 66.7% |
| Commerce Home Mortgage, Inc. | 8 | $0.9M | $115K | 0.0% |
| MOVEMENT MORTGAGE, LLC | 7 | $1.6M | $232K | 100.0% |
| DOMINION FINANCIAL SERVICES, LLC | 7 | $1.6M | $225K | 42.9% |
| RPE Home, Inc | 7 | $1.5M | $208K | 14.3% |
| Belmont Savings Bank, SSB | 7 | $1.2M | $166K | 42.9% |
| DHI MORTGAGE COMPANY, LTD. | 6 | $1.6M | $272K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 6 | $1.5M | $243K | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 6 | $1.1M | $185K | 16.7% |
| GUARANTEED RATE, INC. | 6 | $1.1M | $182K | 33.3% |
846 North Carolina loans (3.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Gaston County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Gaston County CSV, all 25 lenders
What Gaston County's table can't show you: fit. Short-term financing is exempt from HMDA, so Gaston County's fix-and-flip and bridge lenders barely appear among its 142 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 Gaston County, North Carolina deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Gaston 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 — Gaston County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 142 lenders and 563 loans: 2025 HMDA loan-level data rolled up to Gaston County.
- Gaston County investor-lender dataset (CSV) — All 25 lenders in the Gaston County, North Carolina table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Gaston 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 Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Gaston 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.