DSCR Loans in Prince George's County, Maryland
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, 178 lenders made 1,062 investment-property loans in Prince George's County, 10.9% of Maryland's total. Dominick Prevete arranges DSCR loans across Prince George's County, Maryland, 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 $455,000.
See which lenders are most active in Prince George's County →
Prince George's County investor market at a glance
| Statistic | Prince George's County | Maryland | County rank |
|---|---|---|---|
| Investor loans | 1,062 | 9,728 | 3rd of 15 |
| Reporting lenders | 178 | 412 | 3rd of 15 |
| Loan volume | $303.8M | $2.59B | 4th of 15 |
| Average loan | $286K | $266K | 8th of 15 |
| Median loan | $285K | $225K | 5th of 15 |
| Purchases | 57.0% | 56.1% | 11th of 15 |
| Cash-out refinances | 26.6% | 20.9% | 4th of 15 |
| 2–4 unit properties | 0.8% | 7.2% | 14th of 15 |
| Top five lenders' share | 22.3% | 24.7% | 12th of 15 |
| Reported business-purpose | 75.7% | 75.0% | 2nd of 15 |
Prince George's County: closed-end loans on 1–4 unit investment properties. Prince George's County's rank is highest first, among Maryland's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Prince George's County's investor loans.
What stands out in Prince George's County
0.8% of Prince George's County's investor loans financed a 2–4 unit property, the 2nd-lowest share of Maryland's 15 counties with published data (statewide: 7.2%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
By share of investor loans reported as business-purpose, Prince George's County ranks 2nd-highest of Maryland's 15 counties with published data (statewide: 75.0%).
75.7% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Does a DSCR loan pencil in Prince George's County?
At HUD's fair market rent of $3,107 for a 3-bedroom in Prince George's County, Maryland, a rental covers its full DSCR payment up to a purchase price of about $455,000, with 20% down at the 7.25% starting rate (November 2026). Prince George's County's median home value is $426,000; at that price the payment is $2,900 a month, so the property would need $2,900 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) | $2,438 / $3,107 / $3,658 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $426,000 |
| Median property taxes and effective rate | $4,771 (1.12% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,900 |
| Rent needed to cover that payment | $2,900 |
| Coverage of a 3-bedroom at fair market rent | 1.07 |
| Highest price a 3-bedroom at fair market rent covers | about $455,000 |
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 Prince George's County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Prince George's County?
The most active investment-property lenders in Prince George's County in 2025 HMDA data were Kiavi Funding, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and Rocket Mortgage, LLC, out of 178 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 Prince George's County, and matches each file to the one most likely to fund it.
Prince George's County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,062 loans and $303.8M from 178 lenders. Kiavi Funding, Inc. led Prince George's County with 67 loans, 6.3% of the county's total, and the average Prince George's County loan of $286K compares with $266K across Maryland.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 67 | $20.1M | $300K | 98.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 63 | $18.5M | $294K | 58.7% |
| Rocket Mortgage, LLC | 41 | $9.5M | $232K | 29.3% |
| OCMBC, INC. | 35 | $11.0M | $315K | 60.0% |
| DHI MORTGAGE COMPANY, LTD. | 31 | $9.9M | $320K | 100.0% |
| Loan Funder LLC | 29 | $6.6M | $227K | 65.5% |
| HOMEXPRESS MORTGAGE CORP. | 24 | $7.3M | $306K | 25.0% |
| City Lending Inc. | 23 | $4.6M | $199K | 87.0% |
| DOMINION FINANCIAL SERVICES, LLC | 21 | $7.9M | $377K | 66.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 21 | $6.8M | $325K | 90.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 21 | $6.3M | $300K | 61.9% |
| CONVENTUS LLC | 21 | $4.7M | $226K | 9.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 16 | $5.1M | $317K | 25.0% |
| GUARANTEED RATE, INC. | 16 | $4.8M | $301K | 50.0% |
| NEWREZ LLC | 15 | $3.7M | $244K | 33.3% |
| BPL MORTGAGE TRUST, LLC | 15 | $3.5M | $232K | 20.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 14 | $4.6M | $331K | 50.0% |
| PENNYMAC LOAN SERVICES, LLC | 14 | $4.6M | $327K | 57.1% |
| Easy Street Capital, LLC | 14 | $4.0M | $282K | 0.0% |
| Towne Bank | 13 | $4.2M | $324K | 69.2% |
| DEEPHAVEN MORTGAGE LLC | 13 | $3.7M | $287K | 30.8% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 13 | $3.6M | $280K | 30.8% |
| GEO-CORP, INC. | 12 | $5.0M | $413K | 100.0% |
| Hometown Equity Mortgage, LLC | 12 | $3.7M | $306K | 41.7% |
| NFM, INC. | 12 | $3.6M | $300K | 75.0% |
784 Maryland loans (8.1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Prince George's County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Prince George's County CSV, all 25 lenders
What Prince George's County's table can't show you: fit. Short-term financing is exempt from HMDA, so Prince George's County's fix-and-flip and bridge lenders barely appear among its 178 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 Prince George's County, Maryland deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Prince George's County, Maryland 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 — Prince George's County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 178 lenders and 1,062 loans: 2025 HMDA loan-level data rolled up to Prince George's County.
- Prince George's County investor-lender dataset (CSV) — All 25 lenders in the Prince George's County, Maryland table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Prince George's 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 Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Prince George's 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.