DSCR Loans in Jefferson County, Alabama
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 195 lenders made 1,641 investment-property loans in Jefferson County, 16.4% of Alabama's total. Dominick Prevete arranges DSCR loans across Jefferson 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 $270,000.
Jefferson County investor market at a glance
| Statistic | Jefferson County | Alabama | County rank |
|---|---|---|---|
| Investor loans | 1,641 | 10,035 | 1st of 23 |
| Reporting lenders | 195 | 495 | 2nd of 23 |
| Loan volume | $258.2M | $1.98B | 2nd of 23 |
| Average loan | $157K | $197K | 16th of 23 |
| Median loan | $115K | $145K | 18th of 23 |
| Purchases | 50.1% | 57.9% | 17th of 23 |
| Cash-out refinances | 28.0% | 16.1% | 4th of 23 |
| 2–4 unit properties | 5.1% | 8.1% | 18th of 23 |
| Top five lenders' share | 43.9% | 18.5% | 13th of 23 |
| Reported business-purpose | 83.7% | 68.3% | 1st of 23 |
Jefferson County: closed-end loans on 1–4 unit investment properties. Jefferson County's rank is highest first, among Alabama's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Jefferson County's investor loans.
What stands out in Jefferson County
By share of investor loans reported as business-purpose, Jefferson County ranks highest of Alabama's 23 counties with published data (statewide: 68.3%).
83.7% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
28.0% of Jefferson County's investor loans were cash-out refinances, the 4th-highest share of Alabama's 23 counties with published data (statewide: 16.1%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
The median investor loan in Jefferson County was $115K, the 4th-lowest median of Alabama's 23 counties with published data (statewide: $145K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Jefferson County?
At HUD's fair market rent of $1,727 for a 3-bedroom in Jefferson County, Alabama, a rental covers its full DSCR payment up to a purchase price of about $270,000, with 20% down at the 7.25% starting rate (November 2026). Jefferson County's median home value is $240,000; at that price the payment is $1,527 a month, so the property would need $1,550 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) | $1,375 / $1,727 / $1,941 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $240,000 |
| Median property taxes and effective rate | $1,409 (0.59% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,527 |
| Rent needed to cover that payment | $1,550 |
| Coverage of a 3-bedroom at fair market rent | 1.13 |
| Highest price a 3-bedroom at fair market rent covers | about $270,000 |
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 Jefferson County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Jefferson County?
The most active investment-property lenders in Jefferson County in 2025 HMDA data were Kiavi Funding, Inc.; BPL MORTGAGE TRUST, LLC; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 195 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 several that reported in Jefferson County, and matches each file to the one most likely to fund it.
Jefferson County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,641 loans and $258.2M from 195 lenders. Kiavi Funding, Inc. led Jefferson County with 176 loans, 10.7% of the county's total, and the average Jefferson County loan of $157K compares with $197K across Alabama.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 176 | $20.5M | $117K | 39.8% |
| BPL MORTGAGE TRUST, LLC | 168 | $16.9M | $101K | 39.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 148 | $16.0M | $108K | 44.6% |
| Loan Funder LLC | 144 | $17.8M | $124K | 19.4% |
| FirstBank | 84 | $12.8M | $152K | 100.0% |
| Cadence Bank | 42 | $7.5M | $179K | 52.4% |
| CHAMPIONS FUNDING, LLC | 42 | $6.5M | $155K | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 36 | $7.0M | $194K | 11.1% |
| DEEPHAVEN MORTGAGE LLC | 36 | $5.1M | $141K | 19.4% |
| CV3 FINANCIAL SERVICES, LLC | 30 | $7.5M | $251K | 66.7% |
| THE LOAN STORE, INC. | 29 | $5.0M | $173K | 79.3% |
| MORIA DEVELOPMENT, INC. | 29 | $2.1M | $72K | 93.1% |
| AMERICAN HERITAGE LENDING, LLC | 26 | $4.0M | $153K | 46.2% |
| Rocket Mortgage, LLC | 22 | $2.3M | $103K | 27.3% |
| GUARANTEED RATE, INC. | 21 | $2.5M | $117K | 90.5% |
| Renasant Bank | 21 | $1.6M | $76K | 85.7% |
| Assurance Financial Group, L.L.C. | 18 | $3.6M | $200K | 55.6% |
| DOMINION FINANCIAL SERVICES, LLC | 18 | $2.8M | $156K | 66.7% |
| Community Bank of Mississippi | 17 | $14.2M | $836K | 41.2% |
| Central State Bank | 17 | $4.6M | $273K | 70.6% |
| GUILD MORTGAGE COMPANY | 16 | $2.5M | $156K | 81.2% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 15 | $2.0M | $130K | 6.7% |
| Fairway Independent Mortgage Corporation | 14 | $2.4M | $169K | 78.6% |
| Commerce Home Mortgage, Inc. | 12 | $2.5M | $212K | 75.0% |
| River Bank & Trust | 12 | $2.2M | $187K | 75.0% |
257 Alabama loans (2.6%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Jefferson County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Jefferson County CSV, all 25 lenders
What Jefferson County's table can't show you: fit. Short-term financing is exempt from HMDA, so Jefferson County's fix-and-flip and bridge lenders barely appear among its 195 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 several 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 Jefferson County, Alabama deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Jefferson 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 — Jefferson County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 195 lenders and 1,641 loans: 2025 HMDA loan-level data rolled up to Jefferson County.
- Jefferson County investor-lender dataset (CSV) — All 25 lenders in the Jefferson County, Alabama table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Jefferson 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 Birmingham-Hoover, AL HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Jefferson 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.