DSCR Loans in Hoke 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, 46 lenders made 140 investment-property loans in Hoke County, 0.7% of North Carolina's total. Dominick Prevete arranges DSCR loans across Hoke 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 $245,000.
Hoke County investor market at a glance
| Statistic | Hoke County | North Carolina | County rank |
|---|---|---|---|
| Investor loans | 140 | 21,470 | 35th of 42 |
| Reporting lenders | 46 | 601 | 40th of 42 |
| Loan volume | $30.1M | $5.97B | 33rd of 42 |
| Average loan | $215K | $278K | 25th of 42 |
| Median loan | $225K | $225K | 19th of 42 |
| Purchases | 47.1% | 64.5% | 41st of 42 |
| Cash-out refinances | 19.3% | 15.7% | 13th of 42 |
| 2–4 unit properties | 2.9% | 6.3% | 37th of 42 |
| Top five lenders' share | 57.9% | 23.4% | 2nd of 42 |
| Reported business-purpose | 82.9% | 70.9% | 4th of 42 |
Hoke County: closed-end loans on 1–4 unit investment properties. Hoke County's rank is highest first, among North Carolina's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Hoke County's investor loans.
What stands out in Hoke County
47.1% of Hoke County's investor loans were purchases, the 2nd-lowest share of North Carolina's 42 counties with published data (statewide: 64.5%).
Most investor loans here refinance property investors already own. A DSCR refinance qualifies on the property's current rent.
The five most active lenders wrote 57.9% of Hoke County's investor loans, the 2nd-highest share of North Carolina's 42 counties with published data (statewide: 23.4%).
Five lenders write 57.9% of the loans here, so comparing written term sheets matters more.
By share of investor loans reported as business-purpose, Hoke County ranks 4th-highest of North Carolina's 42 counties with published data (statewide: 70.9%).
82.9% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Does a DSCR loan pencil in Hoke County?
At HUD's fair market rent of $1,592 for a 3-bedroom in Hoke County, North Carolina, a rental covers its full DSCR payment up to a purchase price of about $245,000, with 20% down at the 7.25% starting rate (November 2026). Hoke County's median home value is $219,300; at that price the payment is $1,410 a month, so the property would need $1,425 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) | $1,150 / $1,592 / $1,922 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $219,300 |
| Median property taxes and effective rate | $1,465 (0.67% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,410 |
| Rent needed to cover that payment | $1,425 |
| Coverage of a 3-bedroom at fair market rent | 1.13 |
| Highest price a 3-bedroom at fair market rent covers | about $245,000 |
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 Hoke County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Hoke County?
The most active investment-property lenders in Hoke County in 2025 HMDA data were LIMA ONE CAPITAL, LLC; Kiavi Funding, Inc.; and CROSSCOUNTRY MORTGAGE, INC., out of 46 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 Hoke County, and matches each file to the one most likely to fund it.
Hoke County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 140 loans and $30.1M from 46 lenders. LIMA ONE CAPITAL, LLC led Hoke County with 51 loans, 36.4% of the county's total, and the average Hoke County loan of $215K compares with $278K across North Carolina.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| LIMA ONE CAPITAL, LLC | 51 | $12.4M | $243K | 7.8% |
| Kiavi Funding, Inc. | 16 | $2.8M | $172K | 87.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 5 | $1.5M | $301K | 100.0% |
| MOVEMENT MORTGAGE, LLC | 5 | $1.2M | $235K | 80.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 4 | $0.8M | $200K | 25.0% |
| GoPrime Mortgage, Inc. | 4 | $0.7M | $185K | 100.0% |
| THE LOAN STORE, INC. | 3 | $0.7M | $232K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 3 | $0.6M | $202K | 66.7% |
| MORIA DEVELOPMENT, INC. | 3 | $0.6M | $198K | 100.0% |
| 21st Mortgage Corporation | 3 | $0.5M | $152K | 100.0% |
| A&D Mortgage LLC | 3 | $0.4M | $125K | 100.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | $0.7M | $335K | 100.0% |
| FREEDOM MORTGAGE CORPORATION | 2 | $0.5M | $240K | 50.0% |
| GUARANTEED RATE, INC. | 2 | $0.4M | $195K | 50.0% |
| Easy Street Capital, LLC | 2 | $0.4M | $190K | 0.0% |
| CV3 FINANCIAL SERVICES, LLC | 2 | $0.3M | $135K | 100.0% |
| First Capital Bank | 1 | $0.3M | $325K | 100.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | $0.3M | $325K | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | $0.3M | $295K | 100.0% |
| CANOPY MORTGAGE, LLC | 1 | $0.3M | $275K | 0.0% |
| RPE Home, Inc | 1 | $0.3M | $255K | 100.0% |
| OCMBC, INC. | 1 | $0.3M | $255K | 0.0% |
| Lumbee Guaranty Bank | 1 | $0.2M | $245K | 100.0% |
| The Fidelity Bank | 1 | $0.2M | $235K | 100.0% |
| American Security Mortgage Corp. | 1 | $0.2M | $225K | 100.0% |
846 North Carolina loans (3.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Hoke County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Hoke County CSV, all 25 lenders
What Hoke County's table can't show you: fit. Short-term financing is exempt from HMDA, so Hoke County's fix-and-flip and bridge lenders barely appear among its 46 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 Hoke County, North Carolina deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Hoke 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 — Hoke County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 46 lenders and 140 loans: 2025 HMDA loan-level data rolled up to Hoke County.
- Hoke County investor-lender dataset (CSV) — All 25 lenders in the Hoke County, North Carolina table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Hoke 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 Hoke County, NC HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Hoke 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.