DSCR Loans in Prince William County, Virginia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 140 lenders made 435 investment-property loans in Prince William County, 3.4% of Virginia's total. Dominick Prevete arranges DSCR loans across Prince William County, Virginia, 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 $465,000.
See which lenders are most active in Prince William County →
Prince William County investor market at a glance
| Statistic | Prince William County | Virginia | County rank |
|---|---|---|---|
| Investor loans | 435 | 12,943 | 7th of 27 |
| Reporting lenders | 140 | 503 | 4th of 27 |
| Loan volume | $149.4M | $3.74B | 7th of 27 |
| Average loan | $343K | $289K | 6th of 27 |
| Median loan | $335K | $225K | 5th of 27 |
| Purchases | 64.1% | 62.0% | 13th of 27 |
| Cash-out refinances | 20.2% | 17.7% | 10th of 27 |
| 2–4 unit properties | 0.9% | 7.7% | 23rd of 27 |
| Top five lenders' share | 20.7% | 18.5% | 26th of 27 |
| Reported business-purpose | 69.2% | 68.5% | 15th of 27 |
Prince William County: closed-end loans on 1–4 unit investment properties. Prince William County's rank is highest first, among Virginia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Prince William County's investor loans.
What stands out in Prince William County
The five most active lenders wrote 20.7% of Prince William County's investor loans, the 2nd-lowest share of Virginia's 27 counties with published data (statewide: 18.5%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
The median investor loan in Prince William County was $335K, the 5th-highest median of Virginia's 27 counties with published data (statewide: $225K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
0.9% of Prince William County's investor loans financed a 2–4 unit property, the 5th-lowest share of Virginia's 27 counties with published data (statewide: 7.7%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Does a DSCR loan pencil in Prince William County?
At HUD's fair market rent of $3,107 for a 3-bedroom in Prince William County, Virginia, a rental covers its full DSCR payment up to a purchase price of about $465,000, with 20% down at the 7.25% starting rate (November 2026). Prince William County's median home value is $530,100; at that price the payment is $3,530 a month, so the property would need $3,550 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) | $2,438 / $3,107 / $3,658 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $530,100 |
| Median property taxes and effective rate | $4,999 (0.94% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,530 |
| Rent needed to cover that payment | $3,550 |
| Coverage of a 3-bedroom at fair market rent | 0.88 |
| Highest price a 3-bedroom at fair market rent covers | about $465,000 |
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 William County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Prince William County?
The most active investment-property lenders in Prince William County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Rocket Mortgage, LLC; and Kiavi Funding, Inc., out of 140 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 William County, and matches each file to the one most likely to fund it.
Prince William County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 435 loans and $149.4M from 140 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Prince William County with 24 loans, 5.5% of the county's total, and the average Prince William County loan of $343K compares with $289K across Virginia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 24 | $8.1M | $337K | 62.5% |
| Rocket Mortgage, LLC | 21 | $6.6M | $316K | 28.6% |
| Kiavi Funding, Inc. | 16 | $6.2M | $388K | 87.5% |
| PENNYMAC LOAN SERVICES, LLC | 16 | $5.9M | $367K | 68.8% |
| First Heritage Mortgage, LLC | 13 | $4.5M | $343K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 12 | $4.4M | $364K | 83.3% |
| Atlantic Coast Mortgage, LLC | 12 | $4.0M | $338K | 66.7% |
| OCMBC, INC. | 12 | $3.8M | $318K | 58.3% |
| NVR Mortgage Finance, Inc. | 11 | $4.6M | $421K | 100.0% |
| A&D Mortgage LLC | 9 | $3.3M | $364K | 44.4% |
| NFM, INC. | 7 | $2.6M | $369K | 57.1% |
| Ameris Bank | 7 | $2.3M | $328K | 71.4% |
| AMWEST FUNDING CORP. | 7 | $2.1M | $298K | 42.9% |
| CMG MORTGAGE, INC. | 7 | $1.9M | $265K | 71.4% |
| Fairway Independent Mortgage Corporation | 6 | $2.1M | $352K | 83.3% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 6 | $2.0M | $340K | 50.0% |
| NATIONS DIRECT MORTGAGE, LLC | 6 | $1.8M | $302K | 83.3% |
| Genesis Capital, LLC | 5 | $2.1M | $411K | 100.0% |
| NEWREZ LLC | 5 | $2.0M | $391K | 60.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | $1.9M | $371K | 80.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | $1.5M | $307K | 20.0% |
| Bank of America, National Association | 5 | $1.0M | $207K | 60.0% |
| Home Mortgage Alliance Corporation (HMAC) | 5 | $0.9M | $185K | 80.0% |
| Commerce Home Mortgage, Inc. | 4 | $1.7M | $433K | 75.0% |
| GUARANTEED RATE, INC. | 4 | $1.7M | $420K | 50.0% |
316 Virginia loans (2.4%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Prince William County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Prince William County CSV, all 25 lenders
What Prince William County's table can't show you: fit. Short-term financing is exempt from HMDA, so Prince William County's fix-and-flip and bridge lenders barely appear among its 140 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 William County, Virginia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Prince William County, Virginia 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 William County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 140 lenders and 435 loans: 2025 HMDA loan-level data rolled up to Prince William County.
- Prince William County investor-lender dataset (CSV) — All 25 lenders in the Prince William County, Virginia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Prince William 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 William 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.