DSCR Loans in Marshall County, Alabama
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 44 lenders made 292 investment-property loans in Marshall County, 2.9% of Alabama's total. Dominick Prevete arranges DSCR loans across Marshall 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 $205,000.
Marshall County investor market at a glance
| Statistic | Marshall County | Alabama | County rank |
|---|---|---|---|
| Investor loans | 292 | 10,035 | 8th of 23 |
| Reporting lenders | 44 | 495 | 18th of 23 |
| Loan volume | $60.2M | $1.98B | 8th of 23 |
| Average loan | $206K | $197K | 9th of 23 |
| Median loan | $155K | $145K | 8th of 23 |
| Purchases | 38.7% | 57.9% | 22nd of 23 |
| Cash-out refinances | 32.2% | 16.1% | 2nd of 23 |
| 2–4 unit properties | 10.6% | 8.1% | 9th of 23 |
| Top five lenders' share | 74.7% | 18.5% | 1st of 23 |
| Reported business-purpose | 66.8% | 68.3% | 9th of 23 |
Marshall County: closed-end loans on 1–4 unit investment properties. Marshall County's rank is highest first, among Alabama's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Marshall County's investor loans.
What stands out in Marshall County
The five most active lenders wrote 74.7% of Marshall County's investor loans, the highest share of Alabama's 23 counties with published data (statewide: 18.5%).
Five lenders write 74.7% of the loans here, so comparing written term sheets matters more.
32.2% of Marshall County's investor loans were cash-out refinances, the 2nd-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.
38.7% of Marshall County's investor loans were purchases, the 2nd-lowest share of Alabama's 23 counties with published data (statewide: 57.9%).
Most investor loans here refinance property investors already own. A DSCR refinance qualifies on the property's current rent.
Does a DSCR loan pencil in Marshall County?
At HUD's fair market rent of $1,281 for a 3-bedroom in Marshall County, Alabama, 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). Marshall County's median home value is $201,500; at that price the payment is $1,245 a month, so the property would need $1,250 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) | $925 / $1,281 / $1,285 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $201,500 |
| Median property taxes and effective rate | $733 (0.36% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,245 |
| Rent needed to cover that payment | $1,250 |
| Coverage of a 3-bedroom at fair market rent | 1.03 |
| 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 $295,000 |
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 Marshall County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Marshall County?
The most active investment-property lenders in Marshall County in 2025 HMDA data were FAMILY SAVINGS CREDIT UNION, Liberty Bank and Citizens Bank & Trust, out of 44 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 Marshall County, and matches each file to the one most likely to fund it.
Marshall County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 292 loans and $60.2M from 44 lenders. FAMILY SAVINGS CREDIT UNION led Marshall County with 130 loans, 44.5% of the county's total, and the average Marshall County loan of $206K compares with $197K across Alabama.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| FAMILY SAVINGS CREDIT UNION | 130 | $25.3M | $195K | 20.8% |
| Liberty Bank | 47 | $11.2M | $239K | 34.0% |
| Citizens Bank & Trust | 16 | $3.5M | $221K | 31.2% |
| Peoples Independent Bank | 14 | $2.8M | $200K | 50.0% |
| Cadence Bank | 11 | $1.6M | $142K | 72.7% |
| Bryant Bank | 10 | $2.6M | $260K | 70.0% |
| Peoples Bank of Alabama | 8 | $1.3M | $168K | 75.0% |
| CANOPY MORTGAGE, LLC | 7 | $1.3M | $182K | 57.1% |
| Kiavi Funding, Inc. | 4 | $0.7M | $165K | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | $0.7M | $222K | 0.0% |
| EvaBank | 3 | $0.4M | $138K | 33.3% |
| CB&S Bank, Inc. | 2 | $0.8M | $385K | 50.0% |
| Regions Bank | 2 | $0.6M | $305K | 50.0% |
| SouthPoint Bank | 2 | $0.4M | $185K | 100.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | $0.4M | $185K | 0.0% |
| AMWEST FUNDING CORP. | 2 | $0.3M | $135K | 100.0% |
| The Hometown Bank of Alabama | 2 | $0.2M | $120K | 100.0% |
| LEI:549300XQM4M89ZBZLQ02 | 1 | $0.7M | $705K | 100.0% |
| Citadel Servicing Corporation | 1 | $0.6M | $605K | 100.0% |
| First Horizon Bank | 1 | $0.6M | $585K | 100.0% |
| Plains Commerce Bank | 1 | $0.5M | $485K | 100.0% |
| Atlantic Coast Mortgage, LLC | 1 | $0.5M | $465K | 100.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | $0.4M | $365K | 0.0% |
| Broker Solutions, Inc. | 1 | $0.2M | $235K | 100.0% |
| GOLDENWEST | 1 | $0.2M | $215K | 100.0% |
257 Alabama loans (2.6%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Marshall County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Marshall County CSV, all 25 lenders
What Marshall County's table can't show you: fit. Short-term financing is exempt from HMDA, so Marshall County's fix-and-flip and bridge lenders barely appear among its 44 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 Marshall County, Alabama deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Marshall 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 — Marshall County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 44 lenders and 292 loans: 2025 HMDA loan-level data rolled up to Marshall County.
- Marshall County investor-lender dataset (CSV) — All 25 lenders in the Marshall County, Alabama table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Marshall 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 Marshall County, AL.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Marshall 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.