DSCR Loans in Houston County, Alabama
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 49 lenders made 249 investment-property loans in Houston County, 2.5% of Alabama's total. Dominick Prevete arranges DSCR loans across Houston County, Alabama, 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 $210,000.
Houston County investor market at a glance
| Statistic | Houston County | Alabama | County rank |
|---|---|---|---|
| Investor loans | 249 | 10,035 | 10th of 23 |
| Reporting lenders | 49 | 495 | 14th of 23 |
| Loan volume | $31.4M | $1.98B | 13th of 23 |
| Average loan | $126K | $197K | 22nd of 23 |
| Median loan | $115K | $145K | 18th of 23 |
| Purchases | 61.4% | 57.9% | 11th of 23 |
| Cash-out refinances | 4.8% | 16.1% | 23rd of 23 |
| 2–4 unit properties | 13.7% | 8.1% | 3rd of 23 |
| Top five lenders' share | 50.2% | 18.5% | 9th of 23 |
| Reported business-purpose | 70.3% | 68.3% | 7th of 23 |
Houston County: closed-end loans on 1–4 unit investment properties. Houston County's rank is highest first, among Alabama's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Houston County's investor loans.
What stands out in Houston County
4.8% of Houston County's investor loans were cash-out refinances, the lowest share of Alabama's 23 counties with published data (statewide: 16.1%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
The average investor loan in Houston County was $126K, the 2nd-lowest average of Alabama's 23 counties with published data (statewide: $197K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
13.7% of Houston County's investor loans financed a 2–4 unit property, the 3rd-highest share of Alabama's 23 counties with published data (statewide: 8.1%).
2–4 unit properties are a larger share here than in most of Alabama. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
Does a DSCR loan pencil in Houston County?
At HUD's fair market rent of $1,291 for a 3-bedroom in Houston County, Alabama, a rental covers its full DSCR payment up to a purchase price of about $210,000, with 20% down at the 7.25% starting rate (November 2026). Houston County's median home value is $183,300; at that price the payment is $1,124 a month, so the property would need $1,125 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) | $966 / $1,291 / $1,415 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $183,300 |
| Median property taxes and effective rate | $562 (0.31% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,124 |
| Rent needed to cover that payment | $1,125 |
| Coverage of a 3-bedroom at fair market rent | 1.15 |
| Highest price a 3-bedroom at fair market rent covers | about $210,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $315,000 |
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 Houston County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Houston County?
The most active investment-property lenders in Houston County in 2025 HMDA data were PeoplesSouth Bank, Friend Bank and Troy Bank and Trust Company, out of 49 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 Houston County, and matches each file to the one most likely to fund it.
Houston County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 249 loans and $31.4M from 49 lenders. PeoplesSouth Bank led Houston County with 29 loans, 11.6% of the county's total, and the average Houston County loan of $126K compares with $197K across Alabama.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| PeoplesSouth Bank | 29 | $3.3M | $114K | 58.6% |
| Friend Bank | 25 | $2.7M | $107K | 64.0% |
| Troy Bank and Trust Company | 24 | $3.8M | $157K | 91.7% |
| River Bank & Trust | 24 | $3.6M | $151K | 75.0% |
| First State Bank of Blakely | 23 | $2.2M | $97K | 4.3% |
| BankPlus | 18 | $2.3M | $129K | 55.6% |
| HNB FIRST BANK | 12 | $1.5M | $123K | 66.7% |
| Kiavi Funding, Inc. | 9 | $1.5M | $166K | 22.2% |
| ALL IN FEDERAL CREDIT UNION | 7 | $0.9M | $131K | 85.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 6 | $0.6M | $100K | 100.0% |
| BankSouth | 6 | $0.4M | $70K | 50.0% |
| The First National Bank of Hartford | 5 | $0.6M | $125K | 80.0% |
| INTERLINC MORTGAGE SERVICES, LLC | 4 | $0.6M | $150K | 100.0% |
| Rocket Mortgage, LLC | 4 | $0.5M | $128K | 25.0% |
| Five Star Credit Union | 4 | $0.3M | $70K | 25.0% |
| SmartBank | 3 | $1.0M | $335K | 100.0% |
| MOVEMENT MORTGAGE, LLC | 3 | $0.4M | $128K | 100.0% |
| AVADIAN | 3 | $0.4M | $128K | 100.0% |
| ServisFirst Bank | 3 | $0.3M | $108K | 66.7% |
| Synovus Bank | 3 | $0.3M | $105K | 100.0% |
| BPL MORTGAGE TRUST, LLC | 2 | $0.3M | $160K | 50.0% |
| AMWEST FUNDING CORP. | 2 | $0.2M | $120K | 50.0% |
| Wells Fargo Bank, National Association | 2 | $0.2M | $115K | 50.0% |
| CV3 FINANCIAL SERVICES, LLC | 2 | $0.2M | $110K | 100.0% |
| Tyndall Federal Credit Union | 2 | $0.1M | $70K | 50.0% |
257 Alabama loans (2.6%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Houston County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Houston County CSV, all 25 lenders
What Houston County's table can't show you: fit. Short-term financing is exempt from HMDA, so Houston County's fix-and-flip and bridge lenders barely appear among its 49 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 Houston County, Alabama deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Houston County, Alabama 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 — Houston County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 49 lenders and 249 loans: 2025 HMDA loan-level data rolled up to Houston County.
- Houston County investor-lender dataset (CSV) — All 25 lenders in the Houston County, Alabama table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Houston 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 Dothan, AL HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Houston 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.