DSCR Loans in Hamilton County, Tennessee
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 188 lenders made 1,046 investment-property loans in Hamilton County, 6.6% of Tennessee's total. Dominick Prevete arranges DSCR loans across Hamilton County, Tennessee, 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 $255,000.
Hamilton County investor market at a glance
| Statistic | Hamilton County | Tennessee | County rank |
|---|---|---|---|
| Investor loans | 1,046 | 15,845 | 5th of 24 |
| Reporting lenders | 188 | 634 | 5th of 24 |
| Loan volume | $256.0M | $4.51B | 5th of 24 |
| Average loan | $245K | $285K | 13th of 24 |
| Median loan | $205K | $205K | 12th of 24 |
| Purchases | 58.6% | 57.0% | 13th of 24 |
| Cash-out refinances | 15.6% | 15.4% | 10th of 24 |
| 2–4 unit properties | 23.1% | 12.2% | 4th of 24 |
| Top five lenders' share | 31.5% | 14.7% | 16th of 24 |
| Reported business-purpose | 69.1% | 66.4% | 6th of 24 |
Hamilton County: closed-end loans on 1–4 unit investment properties. Hamilton County's rank is highest first, among Tennessee's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Hamilton County's investor loans.
What stands out in Hamilton County
23.1% of Hamilton County's investor loans financed a 2–4 unit property, the 4th-highest share of Tennessee's 24 counties with published data (statewide: 12.2%).
2–4 unit properties are a larger share here than in most of Tennessee. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
By share of investor loans reported as business-purpose, Hamilton County ranks 6th-highest of Tennessee's 24 counties with published data (statewide: 66.4%).
69.1% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Does a DSCR loan pencil in Hamilton County?
At HUD's fair market rent of $1,657 for a 3-bedroom in Hamilton County, Tennessee, a rental covers its full DSCR payment up to a purchase price of about $255,000, with 20% down at the 7.25% starting rate (November 2026). Hamilton County's median home value is $312,800; at that price the payment is $1,998 a month, so the property would need $2,000 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) | $1,340 / $1,657 / $1,761 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $312,800 |
| Median property taxes and effective rate | $1,925 (0.62% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,998 |
| Rent needed to cover that payment | $2,000 |
| Coverage of a 3-bedroom at fair market rent | 0.83 |
| Highest price a 3-bedroom at fair market rent covers | about $255,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $415,000 |
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 Hamilton County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Hamilton County?
The most active investment-property lenders in Hamilton County in 2025 HMDA data were Kiavi Funding, Inc.; FirstBank; and Builtwell Bank, 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 one that reported in Hamilton County, and matches each file to the one most likely to fund it.
Hamilton County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,046 loans and $256.0M from 188 lenders. Kiavi Funding, Inc. led Hamilton County with 161 loans, 15.4% of the county's total, and the average Hamilton County loan of $245K compares with $285K across Tennessee.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 161 | $33.2M | $206K | 73.3% |
| FirstBank | 61 | $14.6M | $239K | 72.1% |
| Builtwell Bank | 55 | $12.4M | $226K | 14.5% |
| Citizens Tri-County Bank | 27 | $3.3M | $123K | 40.7% |
| DEEPHAVEN MORTGAGE LLC | 26 | $6.0M | $230K | 69.2% |
| TENNESSEE VALLEY FCU | 25 | $5.1M | $206K | 72.0% |
| SmartBank | 22 | $7.5M | $343K | 59.1% |
| Rocket Mortgage, LLC | 20 | $4.5M | $224K | 35.0% |
| Pinnacle Bank | 19 | $5.0M | $264K | 52.6% |
| MILLENNIUM BANK | 19 | $5.0M | $263K | 10.5% |
| SUMMIT FUNDING, INC. | 19 | $4.5M | $234K | 63.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 19 | $4.4M | $229K | 31.6% |
| MOUNTAIN VALLEY BANK | 19 | $1.7M | $90K | 52.6% |
| MOVEMENT MORTGAGE, LLC | 17 | $3.9M | $227K | 76.5% |
| CMG MORTGAGE, INC. | 15 | $3.6M | $240K | 80.0% |
| Loan Funder LLC | 14 | $3.0M | $214K | 64.3% |
| UNION HOME MORTGAGE CORP. | 13 | $2.4M | $186K | 69.2% |
| LENDINGONE, LLC | 12 | $3.0M | $250K | 50.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 11 | $2.7M | $244K | 72.7% |
| SouthEast Bank | 10 | $7.9M | $790K | 90.0% |
| RockPointBank, National Association | 9 | $3.1M | $343K | 55.6% |
| DHI MORTGAGE COMPANY, LTD. | 9 | $2.5M | $275K | 100.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 9 | $2.1M | $234K | 66.7% |
| WILSON BANK AND TRUST | 8 | $3.7M | $464K | 87.5% |
| First Citizens National Bank | 8 | $3.7M | $464K | 75.0% |
451 Tennessee loans (2.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Hamilton County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Hamilton County CSV, all 25 lenders
What Hamilton County's table can't show you: fit. Short-term financing is exempt from HMDA, so Hamilton 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 Hamilton County, Tennessee deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Hamilton County, Tennessee 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 — Hamilton County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 188 lenders and 1,046 loans: 2025 HMDA loan-level data rolled up to Hamilton County.
- Hamilton County investor-lender dataset (CSV) — All 25 lenders in the Hamilton County, Tennessee table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Hamilton 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 Chattanooga, TN-GA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Hamilton 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.