DSCR Loans in Hampton city, Virginia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 91 lenders made 294 investment-property loans in Hampton city, 2.3% of Virginia's total. Dominick Prevete arranges DSCR loans across Hampton city, 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 $340,000.
Hampton city investor market at a glance
| Statistic | Hampton city | Virginia | County rank |
|---|---|---|---|
| Investor loans | 294 | 12,943 | 12th of 27 |
| Reporting lenders | 91 | 503 | 12th of 27 |
| Loan volume | $56.5M | $3.74B | 17th of 27 |
| Average loan | $192K | $289K | 22nd of 27 |
| Median loan | $185K | $225K | 21st of 27 |
| Purchases | 55.1% | 62.0% | 23rd of 27 |
| Cash-out refinances | 20.4% | 17.7% | 9th of 27 |
| 2–4 unit properties | 3.4% | 7.7% | 16th of 27 |
| Top five lenders' share | 32.3% | 18.5% | 11th of 27 |
| Reported business-purpose | 76.9% | 68.5% | 6th of 27 |
Hampton city: closed-end loans on 1–4 unit investment properties. Hampton city's rank is highest first, among Virginia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Hampton city's investor loans.
What stands out in Hampton city
55.1% of Hampton city's investor loans were purchases, the 5th-lowest share of Virginia's 27 counties with published data (statewide: 62.0%).
Refinances are a larger share here than in most of Virginia. A DSCR refinance qualifies on the property's current rent.
By share of investor loans reported as business-purpose, Hampton city ranks 6th-highest of Virginia's 27 counties with published data (statewide: 68.5%).
76.9% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
The average investor loan in Hampton city was $192K, the 6th-lowest average of Virginia's 27 counties with published data (statewide: $289K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Hampton city?
At HUD's fair market rent of $2,298 for a 3-bedroom in Hampton city, Virginia, a rental covers its full DSCR payment up to a purchase price of about $340,000, with 20% down at the 7.25% starting rate (November 2026). Hampton city's median home value is $245,700; at that price the payment is $1,637 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) | $1,667 / $2,298 / $2,710 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $245,700 |
| Median property taxes and effective rate | $2,327 (0.95% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,637 |
| Rent needed to cover that payment | $1,650 |
| Coverage of a 3-bedroom at fair market rent | 1.40 |
| Highest price a 3-bedroom at fair market rent covers | about $340,000 |
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 Hampton city's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Hampton city?
The most active investment-property lenders in Hampton city in 2025 HMDA data were Kiavi Funding, Inc.; Atlantic Union Bank; and Towne Bank, out of 91 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 Hampton city, and matches each file to the one most likely to fund it.
Hampton city's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 294 loans and $56.5M from 91 lenders. Kiavi Funding, Inc. led Hampton city with 38 loans, 12.9% of the county's total, and the average Hampton city loan of $192K compares with $289K across Virginia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 38 | $7.5M | $196K | 84.2% |
| Atlantic Union Bank | 20 | $4.7M | $233K | 95.0% |
| Towne Bank | 13 | $2.3M | $180K | 84.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 12 | $2.4M | $198K | 33.3% |
| Rocket Mortgage, LLC | 12 | $2.2M | $180K | 25.0% |
| NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION, INC. DBA BAYPORT CREDIT UNION | 11 | $2.6M | $238K | 45.5% |
| CV3 FINANCIAL SERVICES, LLC | 11 | $1.8M | $163K | 90.9% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 7 | $1.3M | $182K | 57.1% |
| Easy Street Capital, LLC | 6 | $1.1M | $178K | 0.0% |
| 1ST ADVANTAGE FEDERAL CREDIT UNION | 6 | $0.6M | $98K | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 5 | $1.6M | $327K | 60.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 5 | $0.9M | $189K | 60.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | $1.2M | $295K | 75.0% |
| MOVEMENT MORTGAGE, LLC | 4 | $1.0M | $253K | 100.0% |
| 212 LOANS, LLC. | 4 | $0.8M | $205K | 100.0% |
| Loan Funder LLC | 4 | $0.7M | $185K | 75.0% |
| OCMBC, INC. | 4 | $0.7M | $175K | 75.0% |
| Navy Federal Credit Union | 4 | $0.7M | $173K | 75.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | $0.7M | $168K | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | $0.7M | $163K | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | $0.6M | $145K | 25.0% |
| NATIONSTAR MORTGAGE LLC | 4 | $0.5M | $118K | 0.0% |
| Commerce Home Mortgage, Inc. | 3 | $1.1M | $375K | 66.7% |
| Emporium TPO LLC | 3 | $0.8M | $255K | 33.3% |
| LIMA ONE CAPITAL, LLC | 3 | $0.7M | $245K | 0.0% |
316 Virginia loans (2.4%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Hampton city: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Hampton city CSV, all 25 lenders
What Hampton city's table can't show you: fit. Short-term financing is exempt from HMDA, so Hampton city's fix-and-flip and bridge lenders barely appear among its 91 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 Hampton city, Virginia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Hampton city, 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 — Hampton city's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 91 lenders and 294 loans: 2025 HMDA loan-level data rolled up to Hampton city.
- Hampton city investor-lender dataset (CSV) — All 25 lenders in the Hampton city, Virginia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Hampton city'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 Virginia Beach-Norfolk-Newport News, VA-NC HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Hampton city'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.