DSCR Loans in Nash County, North Carolina
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 56 lenders made 163 investment-property loans in Nash County, 0.8% of North Carolina's total. Dominick Prevete arranges DSCR loans across Nash 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 $240,000.
Nash County investor market at a glance
| Statistic | Nash County | North Carolina | County rank |
|---|---|---|---|
| Investor loans | 163 | 21,470 | 31st of 42 |
| Reporting lenders | 56 | 601 | 35th of 42 |
| Loan volume | $25.3M | $5.97B | 38th of 42 |
| Average loan | $155K | $278K | 38th of 42 |
| Median loan | $145K | $225K | 37th of 42 |
| Purchases | 57.7% | 64.5% | 30th of 42 |
| Cash-out refinances | 19.0% | 15.7% | 14th of 42 |
| 2–4 unit properties | 14.7% | 6.3% | 5th of 42 |
| Top five lenders' share | 44.2% | 23.4% | 6th of 42 |
| Reported business-purpose | 82.2% | 70.9% | 5th of 42 |
Nash County: closed-end loans on 1–4 unit investment properties. Nash County's rank is highest first, among North Carolina's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Nash County's investor loans.
What stands out in Nash County
The median investor loan in Nash County was $145K, the 4th-lowest median of North Carolina's 42 counties with published data (statewide: $225K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
14.7% of Nash County's investor loans financed a 2–4 unit property, the 5th-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.
By share of investor loans reported as business-purpose, Nash County ranks 5th-highest of North Carolina's 42 counties with published data (statewide: 70.9%).
82.2% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Does a DSCR loan pencil in Nash County?
At HUD's fair market rent of $1,567 for a 3-bedroom in Nash County, North Carolina, a rental covers its full DSCR payment up to a purchase price of about $240,000, with 20% down at the 7.25% starting rate (November 2026). Nash County's median home value is $191,000; at that price the payment is $1,235 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) | $1,167 / $1,567 / $1,787 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $191,000 |
| Median property taxes and effective rate | $1,362 (0.71% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,235 |
| Rent needed to cover that payment | $1,250 |
| Coverage of a 3-bedroom at fair market rent | 1.27 |
| Highest price a 3-bedroom at fair market rent covers | about $240,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $360,000 |
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 Nash County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Nash County?
The most active investment-property lenders in Nash County in 2025 HMDA data were Kiavi Funding, Inc.; STATE EMPLOYEES'; and UNITED SHORE FINANCIAL SERVICES, LLC, 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 Nash County, and matches each file to the one most likely to fund it.
Nash County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 163 loans and $25.3M from 56 lenders. Kiavi Funding, Inc. led Nash County with 23 loans, 14.1% of the county's total, and the average Nash County loan of $155K compares with $278K across North Carolina.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 23 | $3.1M | $134K | 34.8% |
| STATE EMPLOYEES' | 17 | $2.0M | $120K | 70.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 14 | $1.9M | $138K | 64.3% |
| Southern Bank and Trust Company | 10 | $1.6M | $164K | 60.0% |
| Providence Bank | 8 | $1.1M | $139K | 75.0% |
| CV3 FINANCIAL SERVICES, LLC | 6 | $1.1M | $182K | 50.0% |
| Rocket Mortgage, LLC | 5 | $0.7M | $143K | 60.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | $0.7M | $135K | 60.0% |
| LIMA ONE CAPITAL, LLC | 4 | $0.5M | $123K | 25.0% |
| General Mortgage Capital Corporation | 3 | $0.7M | $225K | 100.0% |
| United Bank | 3 | $0.6M | $208K | 100.0% |
| Hometown Equity Mortgage, LLC | 3 | $0.6M | $188K | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | $0.5M | $168K | 66.7% |
| MOVEMENT MORTGAGE, LLC | 3 | $0.4M | $118K | 100.0% |
| Citadel Servicing Corporation | 2 | $0.8M | $400K | 0.0% |
| FIRST BANCORP, INC. | 2 | $0.5M | $270K | 100.0% |
| CMG MORTGAGE, INC. | 2 | $0.5M | $245K | 0.0% |
| AMWEST FUNDING CORP. | 2 | $0.4M | $210K | 100.0% |
| INSPIRE HOME LOANS INC. | 2 | $0.4M | $200K | 100.0% |
| First-Citizens Bank & Trust Company | 2 | $0.4M | $200K | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | $0.4M | $190K | 50.0% |
| CHAMPIONS FUNDING, LLC | 2 | $0.3M | $170K | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | $0.3M | $145K | 0.0% |
| LOWER, LLC | 2 | $0.3M | $145K | 50.0% |
| Benchmark Community Bank | 2 | $0.3M | $140K | 0.0% |
846 North Carolina loans (3.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Nash County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Nash County CSV, all 25 lenders
What Nash County's table can't show you: fit. Short-term financing is exempt from HMDA, so Nash 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 →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 Nash County, North Carolina deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Nash 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 — Nash County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 56 lenders and 163 loans: 2025 HMDA loan-level data rolled up to Nash County.
- Nash County investor-lender dataset (CSV) — All 25 lenders in the Nash County, North Carolina table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Nash 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 Rocky Mount, NC MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Nash 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.