DSCR Loans in Robertson County, Tennessee
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 46 lenders made 151 investment-property loans in Robertson County, 1.0% of Tennessee's total. Dominick Prevete arranges DSCR loans across Robertson 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 $365,000.
Robertson County investor market at a glance
| Statistic | Robertson County | Tennessee | County rank |
|---|---|---|---|
| Investor loans | 151 | 15,845 | 19th of 24 |
| Reporting lenders | 46 | 634 | 20th of 24 |
| Loan volume | $37.0M | $4.51B | 18th of 24 |
| Average loan | $245K | $285K | 12th of 24 |
| Median loan | $215K | $205K | 10th of 24 |
| Purchases | 59.6% | 57.0% | 12th of 24 |
| Cash-out refinances | 15.2% | 15.4% | 11th of 24 |
| 2–4 unit properties | 11.3% | 12.2% | 10th of 24 |
| Top five lenders' share | 49.0% | 14.7% | 5th of 24 |
| Reported business-purpose | 68.2% | 66.4% | 9th of 24 |
Robertson County: closed-end loans on 1–4 unit investment properties. Robertson County's rank is highest first, among Tennessee's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Robertson County's investor loans.
What stands out in Robertson County
The five most active lenders wrote 49.0% of Robertson County's investor loans, the 5th-highest share of Tennessee's 24 counties with published data (statewide: 14.7%).
Five lenders write 49.0% of the loans here, so comparing written term sheets matters more.
Robertson County's 151 investor loans ranked 19th of Tennessee's 24 counties with published data.
Does a DSCR loan pencil in Robertson County?
At HUD's fair market rent of $2,309 for a 3-bedroom in Robertson County, Tennessee, a rental covers its full DSCR payment up to a purchase price of about $365,000, with 20% down at the 7.25% starting rate (November 2026). Robertson County's median home value is $335,000; at that price the payment is $2,099 a month, so the property would need $2,100 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) | $1,798 / $2,309 / $2,799 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $335,000 |
| Median property taxes and effective rate | $1,577 (0.47% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,099 |
| Rent needed to cover that payment | $2,100 |
| Coverage of a 3-bedroom at fair market rent | 1.10 |
| Highest price a 3-bedroom at fair market rent covers | about $365,000 |
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 Robertson County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Robertson County?
The most active investment-property lenders in Robertson County in 2025 HMDA data were The Farmers Bank; LENNAR MORTGAGE, LLC; and First National Bank, out of 46 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 one that reported in Robertson County, and matches each file to the one most likely to fund it.
Robertson County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 151 loans and $37.0M from 46 lenders. The Farmers Bank led Robertson County with 41 loans, 27.2% of the county's total, and the average Robertson County loan of $245K compares with $285K across Tennessee.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| The Farmers Bank | 41 | $12.6M | $307K | 65.9% |
| LENNAR MORTGAGE, LLC | 13 | $2.5M | $192K | 100.0% |
| First National Bank | 7 | $1.7M | $242K | 57.1% |
| F&M Bank | 7 | $1.0M | $142K | 85.7% |
| CMG MORTGAGE, INC. | 6 | $1.5M | $245K | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 6 | $1.4M | $225K | 0.0% |
| Volunteer State Bank | 6 | $1.0M | $163K | 33.3% |
| SFMC, LP | 5 | $0.9M | $181K | 20.0% |
| Edmonton State Bank | 4 | $1.2M | $300K | 75.0% |
| A&D Mortgage LLC | 4 | $0.8M | $205K | 75.0% |
| AMERICAN HERITAGE LENDING, LLC | 4 | $0.8M | $198K | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 3 | $0.9M | $285K | 100.0% |
| Cornerstone First Mortgage, Inc | 3 | $0.7M | $225K | 100.0% |
| Old National Bank | 2 | $1.2M | $590K | 50.0% |
| Bank of Tennessee | 2 | $0.8M | $405K | 100.0% |
| NVR Mortgage Finance, Inc. | 2 | $0.7M | $365K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 2 | $0.5M | $230K | 50.0% |
| FIRSTTRUST HOME LOANS, INC. | 2 | $0.4M | $220K | 50.0% |
| Rocket Mortgage, LLC | 2 | $0.4M | $205K | 0.0% |
| City Lending Inc. | 2 | $0.3M | $175K | 100.0% |
| Easy Street Capital, LLC | 2 | $0.3M | $155K | 0.0% |
| Legends Bank | 2 | $0.3M | $140K | 0.0% |
| FirstBank | 1 | $0.4M | $395K | 100.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | $0.3M | $305K | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | $0.3M | $305K | 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 Robertson County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Robertson County CSV, all 25 lenders
What Robertson County's table can't show you: fit. Short-term financing is exempt from HMDA, so Robertson County's fix-and-flip and bridge lenders barely appear among its 46 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 Robertson County, Tennessee deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Robertson 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 — Robertson County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 46 lenders and 151 loans: 2025 HMDA loan-level data rolled up to Robertson County.
- Robertson County investor-lender dataset (CSV) — All 25 lenders in the Robertson County, Tennessee table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Robertson 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 Nashville-Davidson--Murfreesboro--Franklin, TN HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Robertson 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.