DSCR Loans in Roane County, Tennessee
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 52 lenders made 120 investment-property loans in Roane County, 0.8% of Tennessee's total. Dominick Prevete arranges DSCR loans across Roane County, Tennessee, 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 $220,000.
Roane County investor market at a glance
| Statistic | Roane County | Tennessee | County rank |
|---|---|---|---|
| Investor loans | 120 | 15,845 | 20th of 24 |
| Reporting lenders | 52 | 634 | 19th of 24 |
| Loan volume | $23.4M | $4.51B | 22nd of 24 |
| Average loan | $195K | $285K | 20th of 24 |
| Median loan | $155K | $205K | 19th of 24 |
| Purchases | 44.2% | 57.0% | 23rd of 24 |
| Cash-out refinances | 14.2% | 15.4% | 13th of 24 |
| 2–4 unit properties | 6.7% | 12.2% | 22nd of 24 |
| Top five lenders' share | 39.2% | 14.7% | 8th of 24 |
| Reported business-purpose | 73.3% | 66.4% | 4th of 24 |
Roane County: closed-end loans on 1–4 unit investment properties. Roane County's rank is highest first, among Tennessee's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Roane County's investor loans.
What stands out in Roane County
44.2% of Roane County's investor loans were purchases, the 2nd-lowest share of Tennessee's 24 counties with published data (statewide: 57.0%).
Most investor loans here refinance property investors already own. A DSCR refinance qualifies on the property's current rent.
6.7% of Roane County's investor loans financed a 2–4 unit property, the 3rd-lowest share of Tennessee's 24 counties with published data (statewide: 12.2%).
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, Roane County ranks 4th-highest of Tennessee's 24 counties with published data (statewide: 66.4%).
73.3% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Does a DSCR loan pencil in Roane County?
At HUD's fair market rent of $1,395 for a 3-bedroom in Roane County, Tennessee, a rental covers its full DSCR payment up to a purchase price of about $220,000, with 20% down at the 7.25% starting rate (November 2026). Roane County's median home value is $232,900; at that price the payment is $1,470 a month, so the property would need $1,475 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) | $1,048 / $1,395 / $1,649 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $232,900 |
| Median property taxes and effective rate | $1,223 (0.53% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,470 |
| Rent needed to cover that payment | $1,475 |
| Coverage of a 3-bedroom at fair market rent | 0.95 |
| Highest price a 3-bedroom at fair market rent covers | about $220,000 |
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 Roane County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Roane County?
The most active investment-property lenders in Roane County in 2025 HMDA data were KNOXVILLE TEACHERS FEDERAL CREDIT UNION; Kiavi Funding, Inc.; and Commerce Home Mortgage, Inc., out of 52 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 Roane County, and matches each file to the one most likely to fund it.
Roane County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 120 loans and $23.4M from 52 lenders. KNOXVILLE TEACHERS FEDERAL CREDIT UNION led Roane County with 29 loans, 24.2% of the county's total, and the average Roane County loan of $195K compares with $285K across Tennessee.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| KNOXVILLE TEACHERS FEDERAL CREDIT UNION | 29 | $2.6M | $88K | 0.0% |
| Kiavi Funding, Inc. | 6 | $1.3M | $213K | 66.7% |
| Commerce Home Mortgage, Inc. | 4 | $1.5M | $373K | 75.0% |
| Y-12 Federal Credit Union | 4 | $0.8M | $208K | 25.0% |
| One Bank of Tennessee | 4 | $0.7M | $180K | 50.0% |
| CHAMPIONS FUNDING, LLC | 4 | $0.7M | $180K | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 3 | $1.0M | $322K | 66.7% |
| Rocket Mortgage, LLC | 3 | $0.9M | $292K | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 3 | $0.7M | $242K | 66.7% |
| Citizens Bank | 3 | $0.6M | $208K | 100.0% |
| Simmons Bank | 3 | $0.5M | $178K | 33.3% |
| First Farmers & Commercial Bank | 3 | $0.4M | $125K | 66.7% |
| TNBANK | 2 | $0.9M | $460K | 100.0% |
| Gateway First Bank | 2 | $0.8M | $380K | 50.0% |
| UBank | 2 | $0.4M | $200K | 100.0% |
| Peoples Bank of the South | 2 | $0.4M | $200K | 50.0% |
| RAIN CITY CAPITAL, LLC | 2 | $0.4M | $195K | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | $0.4M | $190K | 50.0% |
| MORTGAGE INVESTORS GROUP, INC. | 2 | $0.3M | $165K | 50.0% |
| SmartBank | 2 | $0.3M | $125K | 100.0% |
| Broker Solutions, Inc. | 2 | $0.2M | $105K | 50.0% |
| 21st Mortgage Corporation | 2 | $0.2M | $85K | 100.0% |
| First Financial Bank, National Association | 2 | $0.1M | $60K | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | $0.8M | $795K | 100.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | $0.7M | $665K | 0.0% |
451 Tennessee loans (2.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Roane County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Roane County CSV, all 25 lenders
What Roane County's table can't show you: fit. Short-term financing is exempt from HMDA, so Roane County's fix-and-flip and bridge lenders barely appear among its 52 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 Roane County, Tennessee deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Roane County, Tennessee 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 — Roane County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 52 lenders and 120 loans: 2025 HMDA loan-level data rolled up to Roane County.
- Roane County investor-lender dataset (CSV) — All 25 lenders in the Roane County, Tennessee table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Roane 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 Roane County, TN HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Roane 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.