DSCR Loans in Haywood 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, 59 lenders made 116 investment-property loans in Haywood County, 0.5% of North Carolina's total. Dominick Prevete arranges DSCR loans across Haywood 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 $230,000.
Haywood County investor market at a glance
| Statistic | Haywood County | North Carolina | County rank |
|---|---|---|---|
| Investor loans | 116 | 21,470 | 40th of 42 |
| Reporting lenders | 59 | 601 | 33rd of 42 |
| Loan volume | $36.3M | $5.97B | 32nd of 42 |
| Average loan | $313K | $278K | 14th of 42 |
| Median loan | $265K | $225K | 12th of 42 |
| Purchases | 56.9% | 64.5% | 31st of 42 |
| Cash-out refinances | 17.2% | 15.7% | 19th of 42 |
| 2–4 unit properties | 3.4% | 6.3% | 35th of 42 |
| Top five lenders' share | 26.7% | 23.4% | 36th of 42 |
| Reported business-purpose | 59.5% | 70.9% | 38th of 42 |
Haywood County: closed-end loans on 1–4 unit investment properties. Haywood County's rank is highest first, among North Carolina's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Haywood County's investor loans.
What stands out in Haywood County
59.5% of Haywood County's investor loans were reported as business-purpose, the 5th-lowest share of North Carolina's 42 counties with published data (statewide: 70.9%).
Fewer investor loans here were reported as business-purpose than in most of North Carolina. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
3.4% of Haywood County's investor loans financed a 2–4 unit property, the 7th-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.
The five most active lenders wrote 26.7% of Haywood County's investor loans, the 7th-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.
Does a DSCR loan pencil in Haywood County?
At HUD's fair market rent of $1,489 for a 3-bedroom in Haywood County, North Carolina, a rental covers its full DSCR payment up to a purchase price of about $230,000, with 20% down at the 7.25% starting rate (November 2026). Haywood County's median home value is $279,200; at that price the payment is $1,772 a month, so the property would need $1,775 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) | $1,250 / $1,489 / $2,089 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $279,200 |
| Median property taxes and effective rate | $1,583 (0.57% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,772 |
| Rent needed to cover that payment | $1,775 |
| Coverage of a 3-bedroom at fair market rent | 0.84 |
| Highest price a 3-bedroom at fair market rent covers | about $230,000 |
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 Haywood County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Haywood County?
The most active investment-property lenders in Haywood County in 2025 HMDA data were MOVEMENT MORTGAGE, LLC; Rocket Mortgage, LLC; and HOWARD HANNA FINANCIAL SERVICES, INC., out of 59 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 Haywood County, and matches each file to the one most likely to fund it.
Haywood County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 116 loans and $36.3M from 59 lenders. MOVEMENT MORTGAGE, LLC led Haywood County with 7 loans, 6.0% of the county's total, and the average Haywood County loan of $313K compares with $278K across North Carolina.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| MOVEMENT MORTGAGE, LLC | 7 | $2.2M | $309K | 71.4% |
| Rocket Mortgage, LLC | 7 | $1.6M | $229K | 42.9% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 6 | $1.9M | $325K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 6 | $1.6M | $275K | 16.7% |
| THE LOAN STORE, INC. | 5 | $1.8M | $367K | 40.0% |
| STATE EMPLOYEES' | 5 | $1.4M | $287K | 100.0% |
| United Community Bank | 5 | $1.3M | $251K | 60.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | $0.9M | $228K | 50.0% |
| NEWREZ LLC | 3 | $1.0M | $335K | 100.0% |
| Commerce Home Mortgage, Inc. | 3 | $0.9M | $312K | 0.0% |
| BPL MORTGAGE TRUST, LLC | 3 | $0.8M | $265K | 0.0% |
| HomeTrust Bank | 3 | $0.7M | $238K | 66.7% |
| Bank of America, National Association | 2 | $1.8M | $885K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 2 | $0.8M | $380K | 50.0% |
| Reliable Holdings Manager dba Lendz Financial | 2 | $0.8M | $375K | 50.0% |
| ServisFirst Bank | 2 | $0.8M | $375K | 50.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | $0.7M | $350K | 100.0% |
| OCMBC, INC. | 2 | $0.7M | $335K | 50.0% |
| GUARANTEED RATE, INC. | 2 | $0.6M | $300K | 100.0% |
| Fairway Independent Mortgage Corporation | 2 | $0.6M | $290K | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 2 | $0.5M | $255K | 100.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | $0.5M | $250K | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | $0.5M | $245K | 50.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | $0.3M | $130K | 0.0% |
| ARC HOME LLC | 1 | $1.1M | $1085K | 0.0% |
846 North Carolina loans (3.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Haywood County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Haywood County CSV, all 25 lenders
What Haywood County's table can't show you: fit. Short-term financing is exempt from HMDA, so Haywood County's fix-and-flip and bridge lenders barely appear among its 59 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 Haywood County, North Carolina deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Haywood 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 — Haywood County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 59 lenders and 116 loans: 2025 HMDA loan-level data rolled up to Haywood County.
- Haywood County investor-lender dataset (CSV) — All 25 lenders in the Haywood County, North Carolina table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Haywood 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 Haywood County, NC.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Haywood 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.