DSCR Loans in Kanawha County, West Virginia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 56 lenders made 153 investment-property loans in Kanawha County, 7.6% of West Virginia's total. Dominick Prevete arranges DSCR loans across Kanawha County, West 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 $205,000.
Kanawha County investor market at a glance
| Statistic | Kanawha County | West Virginia | County rank |
|---|---|---|---|
| Investor loans | 153 | 2,025 | 3rd of 6 |
| Reporting lenders | 56 | 230 | 2nd of 6 |
| Loan volume | $18.7M | $347.7M | 5th of 6 |
| Average loan | $122K | $172K | 5th of 6 |
| Median loan | $105K | $155K | 5th of 6 |
| Purchases | 52.3% | 68.0% | 5th of 6 |
| Cash-out refinances | 19.0% | 12.0% | 1st of 6 |
| 2–4 unit properties | 28.8% | 17.5% | 2nd of 6 |
| Top five lenders' share | 40.5% | 22.6% | 4th of 6 |
| Reported business-purpose | 60.8% | 55.3% | 3rd of 6 |
Kanawha County: closed-end loans on 1–4 unit investment properties. Kanawha County's rank is highest first, among West Virginia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Kanawha County's investor loans.
What stands out in Kanawha County
19.0% of Kanawha County's investor loans were cash-out refinances, the highest share of West Virginia's 6 counties with published data (statewide: 12.0%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
Kanawha County's 153 investor loans ranked 3rd of West Virginia's 6 counties with published data.
Does a DSCR loan pencil in Kanawha County?
At HUD's fair market rent of $1,324 for a 3-bedroom in Kanawha County, West Virginia, a rental covers its full DSCR payment up to a purchase price of about $205,000, with 20% down at the 7.25% starting rate (November 2026). Kanawha County's median home value is $147,300; at that price the payment is $946 a month, so the property would need $950 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) | $1,048 / $1,324 / $1,377 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $147,300 |
| Median property taxes and effective rate | $964 (0.65% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $946 |
| Rent needed to cover that payment | $950 |
| Coverage of a 3-bedroom at fair market rent | 1.40 |
| Highest price a 3-bedroom at fair market rent covers | about $205,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $325,000 |
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 Kanawha County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Kanawha County?
The most active investment-property lenders in Kanawha County in 2025 HMDA data were The Poca Valley Bank, Inc.; Burke & Herbert Bank & Trust Company; and City National Bank of West Virginia, out of 56 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 Kanawha County, and matches each file to the one most likely to fund it.
Kanawha County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 153 loans and $18.7M from 56 lenders. The Poca Valley Bank, Inc. led Kanawha County with 18 loans, 11.8% of the county's total, and the average Kanawha County loan of $122K compares with $172K across West Virginia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| The Poca Valley Bank, Inc. | 18 | $2.0M | $113K | 55.6% |
| Burke & Herbert Bank & Trust Company | 15 | $2.1M | $140K | 46.7% |
| City National Bank of West Virginia | 13 | $1.3M | $103K | 61.5% |
| PUTNAM COUNTY BANK | 11 | $0.9M | $81K | 72.7% |
| Kiavi Funding, Inc. | 5 | $0.6M | $119K | 40.0% |
| Rocket Mortgage, LLC | 4 | $0.8M | $208K | 50.0% |
| Williamstown Bank, Inc. | 4 | $0.7M | $180K | 75.0% |
| CHAMPIONS FUNDING, LLC | 4 | $0.7M | $165K | 0.0% |
| WesBanco Bank, Inc. | 4 | $0.5M | $135K | 25.0% |
| BPL MORTGAGE TRUST, LLC | 4 | $0.5M | $125K | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 4 | $0.4M | $108K | 25.0% |
| Cornerstone First Mortgage, Inc | 4 | $0.4M | $95K | 50.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | $0.4M | $128K | 66.7% |
| Huntington Federal Savings Bank | 3 | $0.4M | $125K | 0.0% |
| Fifth Third Bank, National Association | 3 | $0.1M | $42K | 66.7% |
| Gateway First Bank | 2 | $0.3M | $170K | 0.0% |
| Easy Street Capital, LLC | 2 | $0.3M | $145K | 0.0% |
| GUARANTEED RATE, INC. | 2 | $0.3M | $140K | 100.0% |
| JPMorgan Chase Bank, National Association | 2 | $0.3M | $130K | 50.0% |
| United Bank | 2 | $0.3M | $125K | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | $0.3M | $125K | 0.0% |
| Truist Bank | 2 | $0.3M | $125K | 50.0% |
| LENDINGONE, LLC | 2 | $0.2M | $120K | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 2 | $0.2M | $110K | 100.0% |
| Loandepot.Com, LLC | 2 | $0.2M | $85K | 100.0% |
63 West Virginia loans (3.1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Kanawha County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Kanawha County CSV, all 25 lenders
What Kanawha County's table can't show you: fit. Short-term financing is exempt from HMDA, so Kanawha County's fix-and-flip and bridge lenders barely appear among its 56 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 →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Kanawha County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Kanawha County |
|---|---|---|---|
| Raleigh County, WV | 100 | 29 | Borders Kanawha County |
| Cabell County, WV | 140 | 36 | About 40 miles away |
| Boyd County, KY | 102 | 26 | About 65 miles away |
| Roanoke County, VA | 140 | 62 | About 100 miles away |
Run the coverage test on your Kanawha County, West Virginia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Kanawha County, West 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 — Kanawha County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 56 lenders and 153 loans: 2025 HMDA loan-level data rolled up to Kanawha County.
- Kanawha County investor-lender dataset (CSV) — All 25 lenders in the Kanawha County, West Virginia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Kanawha 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 Charleston, WV HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Kanawha 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.