DSCR Loans in Rutherford County, Tennessee
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 131 lenders made 510 investment-property loans in Rutherford County, 3.2% of Tennessee's total. Dominick Prevete arranges DSCR loans across Rutherford 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.
Rutherford County investor market at a glance
| Statistic | Rutherford County | Tennessee | County rank |
|---|---|---|---|
| Investor loans | 510 | 15,845 | 7th of 24 |
| Reporting lenders | 131 | 634 | 6th of 24 |
| Loan volume | $152.3M | $4.51B | 7th of 24 |
| Average loan | $299K | $285K | 5th of 24 |
| Median loan | $255K | $205K | 6th of 24 |
| Purchases | 60.6% | 57.0% | 11th of 24 |
| Cash-out refinances | 13.5% | 15.4% | 15th of 24 |
| 2–4 unit properties | 8.4% | 12.2% | 18th of 24 |
| Top five lenders' share | 24.3% | 14.7% | 22nd of 24 |
| Reported business-purpose | 69.0% | 66.4% | 8th of 24 |
Rutherford County: closed-end loans on 1–4 unit investment properties. Rutherford County's rank is highest first, among Tennessee's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Rutherford County's investor loans.
What stands out in Rutherford County
The five most active lenders wrote 24.3% of Rutherford County's investor loans, the 3rd-lowest share of Tennessee's 24 counties with published data (statewide: 14.7%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
The average investor loan in Rutherford County was $299K, the 5th-highest average of Tennessee's 24 counties with published data (statewide: $285K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
Does a DSCR loan pencil in Rutherford County?
At HUD's fair market rent of $2,309 for a 3-bedroom in Rutherford 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). Rutherford County's median home value is $382,600; at that price the payment is $2,401 a month, so the property would need $2,425 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) | $1,798 / $2,309 / $2,799 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $382,600 |
| Median property taxes and effective rate | $1,839 (0.48% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,401 |
| Rent needed to cover that payment | $2,425 |
| Coverage of a 3-bedroom at fair market rent | 0.96 |
| 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 Rutherford County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Rutherford County?
The most active investment-property lenders in Rutherford County in 2025 HMDA data were WILSON BANK AND TRUST; UNITED SHORE FINANCIAL SERVICES, LLC; and FirstBank, out of 131 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 Rutherford County, and matches each file to the one most likely to fund it.
Rutherford County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 510 loans and $152.3M from 131 lenders. WILSON BANK AND TRUST led Rutherford County with 36 loans, 7.1% of the county's total, and the average Rutherford County loan of $299K compares with $285K across Tennessee.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| WILSON BANK AND TRUST | 36 | $9.4M | $260K | 75.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 25 | $6.6M | $264K | 72.0% |
| FirstBank | 24 | $6.9M | $287K | 75.0% |
| CMG MORTGAGE, INC. | 21 | $5.2M | $249K | 95.2% |
| FIRST COMMERCE BANK | 18 | $4.9M | $271K | 50.0% |
| The First National Bank of Middle Tennessee | 17 | $8.4M | $493K | 64.7% |
| HERITAGE SOUTH COMMUNITY CU | 17 | $5.9M | $346K | 58.8% |
| Southern Bank of Tennessee | 17 | $3.1M | $182K | 23.5% |
| Primis Mortgage Company | 15 | $4.1M | $270K | 80.0% |
| Pinnacle Bank | 13 | $3.0M | $227K | 76.9% |
| ABL RPC Residential Credit Acquisition LLC | 10 | $10.5M | $1053K | 0.0% |
| THE LOAN STORE, INC. | 10 | $2.7M | $270K | 50.0% |
| Kiavi Funding, Inc. | 9 | $2.6M | $294K | 100.0% |
| Volunteer State Bank | 8 | $6.3M | $790K | 62.5% |
| ASCEND FEDERAL CREDIT UNION | 8 | $2.7M | $341K | 37.5% |
| LENNAR MORTGAGE, LLC | 8 | $2.6M | $321K | 100.0% |
| Rocket Mortgage, LLC | 8 | $1.7M | $211K | 50.0% |
| CHAMPIONS FUNDING, LLC | 7 | $1.6M | $228K | 28.6% |
| Ixonia Bank | 6 | $1.8M | $298K | 83.3% |
| KIND LENDING, LLC | 6 | $1.6M | $273K | 33.3% |
| Loandepot.Com, LLC | 6 | $1.6M | $270K | 66.7% |
| HOMEXPRESS MORTGAGE CORP. | 6 | $1.4M | $242K | 16.7% |
| Commerce Home Mortgage, Inc. | 6 | $1.4M | $240K | 33.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 5 | $1.8M | $359K | 60.0% |
| Easy Street Capital, LLC | 5 | $1.5M | $297K | 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 Rutherford County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Rutherford County CSV, all 25 lenders
What Rutherford County's table can't show you: fit. Short-term financing is exempt from HMDA, so Rutherford County's fix-and-flip and bridge lenders barely appear among its 131 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 Rutherford County, Tennessee deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Rutherford 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 — Rutherford County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 131 lenders and 510 loans: 2025 HMDA loan-level data rolled up to Rutherford County.
- Rutherford County investor-lender dataset (CSV) — All 25 lenders in the Rutherford County, Tennessee table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Rutherford 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 — Rutherford 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.