DSCR Loans in Guilford 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, 174 lenders made 948 investment-property loans in Guilford County, 4.4% of North Carolina's total. Dominick Prevete arranges DSCR loans across Guilford 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 $250,000.
Guilford County investor market at a glance
| Statistic | Guilford County | North Carolina | County rank |
|---|---|---|---|
| Investor loans | 948 | 21,470 | 3rd of 42 |
| Reporting lenders | 174 | 601 | 3rd of 42 |
| Loan volume | $177.6M | $5.97B | 7th of 42 |
| Average loan | $187K | $278K | 32nd of 42 |
| Median loan | $160K | $225K | 32nd of 42 |
| Purchases | 60.5% | 64.5% | 26th of 42 |
| Cash-out refinances | 21.3% | 15.7% | 7th of 42 |
| 2–4 unit properties | 6.4% | 6.3% | 20th of 42 |
| Top five lenders' share | 27.5% | 23.4% | 35th of 42 |
| Reported business-purpose | 78.8% | 70.9% | 13th of 42 |
Guilford County: closed-end loans on 1–4 unit investment properties. Guilford County's rank is highest first, among North Carolina's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Guilford County's investor loans.
What stands out in Guilford County
21.3% of Guilford County's investor loans were cash-out refinances, the 7th-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 27.5% of Guilford County's investor loans, the 8th-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.
The median investor loan in Guilford County was $160K, the 10th-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.
Does a DSCR loan pencil in Guilford County?
At HUD's fair market rent of $1,644 for a 3-bedroom in Guilford County, North Carolina, a rental covers its full DSCR payment up to a purchase price of about $250,000, with 20% down at the 7.25% starting rate (November 2026). Guilford County's median home value is $259,900; at that price the payment is $1,708 a month, so the property would need $1,725 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) | $1,271 / $1,644 / $1,932 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $259,900 |
| Median property taxes and effective rate | $2,174 (0.84% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,708 |
| Rent needed to cover that payment | $1,725 |
| Coverage of a 3-bedroom at fair market rent | 0.96 |
| Highest price a 3-bedroom at fair market rent covers | about $250,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $385,000 |
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 Guilford County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Guilford County?
The most active investment-property lenders in Guilford County in 2025 HMDA data were Kiavi Funding, Inc.; STATE EMPLOYEES'; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 174 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 Guilford County, and matches each file to the one most likely to fund it.
Guilford County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 948 loans and $177.6M from 174 lenders. Kiavi Funding, Inc. led Guilford County with 95 loans, 10.0% of the county's total, and the average Guilford County loan of $187K compares with $278K across North Carolina.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 95 | $17.0M | $179K | 51.6% |
| STATE EMPLOYEES' | 60 | $8.7M | $146K | 53.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 41 | $7.3M | $177K | 56.1% |
| BPL MORTGAGE TRUST, LLC | 36 | $4.5M | $125K | 5.6% |
| MOVEMENT MORTGAGE, LLC | 29 | $4.9M | $167K | 86.2% |
| Loan Funder LLC | 22 | $4.4M | $201K | 45.5% |
| Rocket Mortgage, LLC | 21 | $4.2M | $198K | 47.6% |
| Pinnacle Bank | 19 | $4.0M | $211K | 68.4% |
| THE LOAN STORE, INC. | 17 | $3.5M | $206K | 64.7% |
| GUARANTEED RATE, INC. | 17 | $2.8M | $163K | 82.4% |
| DHI MORTGAGE COMPANY, LTD. | 16 | $3.4M | $214K | 100.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 16 | $3.2M | $201K | 43.8% |
| DEEPHAVEN MORTGAGE LLC | 16 | $3.2M | $199K | 75.0% |
| AMERICAN HERITAGE LENDING, LLC | 16 | $2.3M | $143K | 37.5% |
| NEWREZ LLC | 13 | $2.2M | $166K | 38.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 13 | $2.0M | $156K | 92.3% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 11 | $2.4M | $220K | 90.9% |
| Atlantic Union Bank | 11 | $1.3M | $118K | 90.9% |
| CHAMPIONS FUNDING, LLC | 10 | $2.6M | $264K | 60.0% |
| General Mortgage Capital Corporation | 10 | $2.0M | $202K | 80.0% |
| FlexPoint, Inc. | 10 | $2.0M | $197K | 60.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 10 | $1.9M | $186K | 10.0% |
| Fairway Independent Mortgage Corporation | 10 | $1.7M | $173K | 80.0% |
| Prosperity Home Mortgage, LLC | 9 | $2.0M | $226K | 100.0% |
| UNION HOME MORTGAGE CORP. | 9 | $1.9M | $214K | 55.6% |
846 North Carolina loans (3.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Guilford County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Guilford County CSV, all 25 lenders
What Guilford County's table can't show you: fit. Short-term financing is exempt from HMDA, so Guilford County's fix-and-flip and bridge lenders barely appear among its 174 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 Guilford County, North Carolina deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Guilford 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 — Guilford County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 174 lenders and 948 loans: 2025 HMDA loan-level data rolled up to Guilford County.
- Guilford County investor-lender dataset (CSV) — All 25 lenders in the Guilford County, North Carolina table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Guilford 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 Greensboro-High Point, NC HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Guilford 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.