DSCR Loans in Montgomery County, Alabama
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 106 lenders made 638 investment-property loans in Montgomery County, 6.4% of Alabama's total. Dominick Prevete arranges DSCR loans across Montgomery 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 $235,000.
Montgomery County investor market at a glance
| Statistic | Montgomery County | Alabama | County rank |
|---|---|---|---|
| Investor loans | 638 | 10,035 | 5th of 23 |
| Reporting lenders | 106 | 495 | 7th of 23 |
| Loan volume | $84.9M | $1.98B | 7th of 23 |
| Average loan | $133K | $197K | 21st of 23 |
| Median loan | $105K | $145K | 21st of 23 |
| Purchases | 57.4% | 57.9% | 14th of 23 |
| Cash-out refinances | 21.6% | 16.1% | 5th of 23 |
| 2–4 unit properties | 6.6% | 8.1% | 16th of 23 |
| Top five lenders' share | 38.6% | 18.5% | 16th of 23 |
| Reported business-purpose | 80.3% | 68.3% | 3rd of 23 |
Montgomery County: closed-end loans on 1–4 unit investment properties. Montgomery County's rank is highest first, among Alabama's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Montgomery County's investor loans.
What stands out in Montgomery County
The median investor loan in Montgomery County was $105K, the lowest median of Alabama's 23 counties with published data (statewide: $145K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
By share of investor loans reported as business-purpose, Montgomery County ranks 3rd-highest of Alabama's 23 counties with published data (statewide: 68.3%).
80.3% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
21.6% of Montgomery County's investor loans were cash-out refinances, the 5th-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.
Does a DSCR loan pencil in Montgomery County?
At HUD's fair market rent of $1,476 for a 3-bedroom in Montgomery County, Alabama, a rental covers its full DSCR payment up to a purchase price of about $235,000, with 20% down at the 7.25% starting rate (November 2026). Montgomery County's median home value is $171,900; at that price the payment is $1,068 a month, so the property would need $1,075 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) | $1,150 / $1,476 / $1,708 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $171,900 |
| Median property taxes and effective rate | $702 (0.41% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,068 |
| Rent needed to cover that payment | $1,075 |
| Coverage of a 3-bedroom at fair market rent | 1.38 |
| Highest price a 3-bedroom at fair market rent covers | about $235,000 |
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 Montgomery County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Montgomery County?
The most active investment-property lenders in Montgomery County in 2025 HMDA data were Kiavi Funding, Inc.; BPL MORTGAGE TRUST, LLC; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 106 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 Montgomery County, and matches each file to the one most likely to fund it.
Montgomery County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 638 loans and $84.9M from 106 lenders. Kiavi Funding, Inc. led Montgomery County with 77 loans, 12.1% of the county's total, and the average Montgomery County loan of $133K compares with $197K across Alabama.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 77 | $9.8M | $127K | 53.2% |
| BPL MORTGAGE TRUST, LLC | 59 | $5.6M | $94K | 57.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 55 | $4.6M | $83K | 52.7% |
| AmeriFirst Bank | 29 | $4.6M | $159K | 69.0% |
| AMERICAN HERITAGE LENDING, LLC | 26 | $2.8M | $108K | 30.8% |
| River Bank & Trust | 22 | $2.8M | $128K | 50.0% |
| LENDINGONE, LLC | 22 | $2.3M | $104K | 40.9% |
| GUILD MORTGAGE COMPANY | 21 | $2.5M | $118K | 61.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 16 | $1.9M | $121K | 93.8% |
| Loan Funder LLC | 15 | $2.7M | $177K | 66.7% |
| HOMEXPRESS MORTGAGE CORP. | 14 | $2.0M | $141K | 50.0% |
| Marion Bank & Trust Company | 12 | $1.2M | $102K | 83.3% |
| AMWEST FUNDING CORP. | 11 | $2.3M | $210K | 81.8% |
| Fairway Independent Mortgage Corporation | 10 | $1.3M | $132K | 90.0% |
| CV3 FINANCIAL SERVICES, LLC | 9 | $2.0M | $227K | 55.6% |
| First Community Bank of Central Alabama | 9 | $1.3M | $147K | 33.3% |
| CONSTRUCTIVE LOANS, LLC | 9 | $0.9M | $104K | 0.0% |
| MAX Credit Union | 8 | $1.0M | $129K | 50.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 8 | $0.9M | $110K | 0.0% |
| Renasant Bank | 8 | $0.9M | $109K | 62.5% |
| Troy Bank and Trust Company | 7 | $1.4M | $202K | 42.9% |
| Rocket Mortgage, LLC | 7 | $1.2M | $172K | 42.9% |
| RPE Home, Inc | 7 | $1.0M | $149K | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 7 | $0.9M | $128K | 42.9% |
| MOVEMENT MORTGAGE, LLC | 7 | $0.8M | $109K | 71.4% |
257 Alabama loans (2.6%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Montgomery County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Montgomery County CSV, all 25 lenders
What Montgomery County's table can't show you: fit. Short-term financing is exempt from HMDA, so Montgomery County's fix-and-flip and bridge lenders barely appear among its 106 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 Montgomery County, Alabama deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Montgomery 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 — Montgomery County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 106 lenders and 638 loans: 2025 HMDA loan-level data rolled up to Montgomery County.
- Montgomery County investor-lender dataset (CSV) — All 25 lenders in the Montgomery County, Alabama table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Montgomery 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 Montgomery, AL MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Montgomery 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.