DSCR Loans in Lincoln 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, 68 lenders made 141 investment-property loans in Lincoln County, 0.7% of North Carolina's total. Dominick Prevete arranges DSCR loans across Lincoln 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.
Lincoln County investor market at a glance
| Statistic | Lincoln County | North Carolina | County rank |
|---|---|---|---|
| Investor loans | 141 | 21,470 | 33rd of 42 |
| Reporting lenders | 68 | 601 | 26th of 42 |
| Loan volume | $46.7M | $5.97B | 28th of 42 |
| Average loan | $331K | $278K | 11th of 42 |
| Median loan | $225K | $225K | 19th of 42 |
| Purchases | 63.1% | 64.5% | 24th of 42 |
| Cash-out refinances | 19.9% | 15.7% | 12th of 42 |
| 2–4 unit properties | 19.1% | 6.3% | 1st of 42 |
| Top five lenders' share | 33.3% | 23.4% | 20th of 42 |
| Reported business-purpose | 75.9% | 70.9% | 20th of 42 |
Lincoln County: closed-end loans on 1–4 unit investment properties. Lincoln County's rank is highest first, among North Carolina's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Lincoln County's investor loans.
What stands out in Lincoln County
19.1% of Lincoln County's investor loans financed a 2–4 unit property, the highest share of North Carolina's 42 counties with published data (statewide: 6.3%).
2–4 unit properties are a larger share here than in most of North Carolina. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
Lincoln County's 141 investor loans ranked 33rd of North Carolina's 42 counties with published data.
Does a DSCR loan pencil in Lincoln County?
At HUD's fair market rent of $1,576 for a 3-bedroom in Lincoln 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). Lincoln County's median home value is $321,000; at that price the payment is $2,040 a month, so the property would need $2,050 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) | $1,138 / $1,576 / $1,902 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $321,000 |
| Median property taxes and effective rate | $1,856 (0.58% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,040 |
| Rent needed to cover that payment | $2,050 |
| Coverage of a 3-bedroom at fair market rent | 0.77 |
| Highest price a 3-bedroom at fair market rent covers | about $245,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $355,000 |
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 Lincoln County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Lincoln County?
The most active investment-property lenders in Lincoln County in 2025 HMDA data were Kiavi Funding, Inc.; Peoples Bank; and United Bank, out of 68 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 Lincoln County, and matches each file to the one most likely to fund it.
Lincoln County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 141 loans and $46.7M from 68 lenders. Kiavi Funding, Inc. led Lincoln County with 14 loans, 9.9% of the county's total, and the average Lincoln County loan of $331K compares with $278K across North Carolina.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 14 | $3.5M | $251K | 57.1% |
| Peoples Bank | 10 | $3.2M | $322K | 70.0% |
| United Bank | 9 | $2.2M | $246K | 100.0% |
| First Federal Savings Bank of Lincolnton | 8 | $1.4M | $169K | 75.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 6 | $2.1M | $343K | 0.0% |
| Loan Funder LLC | 6 | $1.9M | $318K | 83.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 6 | $1.2M | $195K | 33.3% |
| MOVEMENT MORTGAGE, LLC | 5 | $2.0M | $393K | 100.0% |
| AMERICAN HERITAGE LENDING, LLC | 4 | $0.8M | $208K | 25.0% |
| STATE EMPLOYEES' | 4 | $0.7M | $183K | 75.0% |
| First-Citizens Bank & Trust Company | 4 | $0.6M | $155K | 50.0% |
| CV3 FINANCIAL SERVICES, LLC | 3 | $9.0M | $2992K | 33.3% |
| Logan Finance Corporation | 3 | $0.5M | $175K | 100.0% |
| DHI MORTGAGE COMPANY, LTD. | 2 | $0.8M | $395K | 100.0% |
| INSPIRE HOME LOANS INC. | 2 | $0.3M | $170K | 100.0% |
| LENDINGONE, LLC | 2 | $0.3M | $150K | 0.0% |
| Beeline Loans, Inc. | 2 | $0.3M | $140K | 50.0% |
| BlueHarbor Bank | 1 | $1.6M | $1555K | 100.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 1 | $0.8M | $805K | 100.0% |
| Ameris Bank | 1 | $0.8M | $805K | 100.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | $0.7M | $675K | 100.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 1 | $0.7M | $665K | 100.0% |
| Raymond James Bank | 1 | $0.7M | $655K | 100.0% |
| Commerce Home Mortgage, Inc. | 1 | $0.6M | $615K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 1 | $0.5M | $505K | 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 Lincoln County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Lincoln County CSV, all 25 lenders
What Lincoln County's table can't show you: fit. Short-term financing is exempt from HMDA, so Lincoln County's fix-and-flip and bridge lenders barely appear among its 68 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 Lincoln County, North Carolina deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Lincoln 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 — Lincoln County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 68 lenders and 141 loans: 2025 HMDA loan-level data rolled up to Lincoln County.
- Lincoln County investor-lender dataset (CSV) — All 25 lenders in the Lincoln County, North Carolina table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Lincoln 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 Lincoln County, NC HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Lincoln 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.