DSCR Loans in Sumner County, Tennessee
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 110 lenders made 404 investment-property loans in Sumner County, 2.5% of Tennessee's total. Dominick Prevete arranges DSCR loans across Sumner 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.
Sumner County investor market at a glance
| Statistic | Sumner County | Tennessee | County rank |
|---|---|---|---|
| Investor loans | 404 | 15,845 | 8th of 24 |
| Reporting lenders | 110 | 634 | 9th of 24 |
| Loan volume | $119.3M | $4.51B | 9th of 24 |
| Average loan | $295K | $285K | 6th of 24 |
| Median loan | $265K | $205K | 5th of 24 |
| Purchases | 64.6% | 57.0% | 6th of 24 |
| Cash-out refinances | 12.4% | 15.4% | 17th of 24 |
| 2–4 unit properties | 21.5% | 12.2% | 5th of 24 |
| Top five lenders' share | 38.4% | 14.7% | 9th of 24 |
| Reported business-purpose | 71.5% | 66.4% | 5th of 24 |
Sumner County: closed-end loans on 1–4 unit investment properties. Sumner County's rank is highest first, among Tennessee's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Sumner County's investor loans.
What stands out in Sumner County
21.5% of Sumner County's investor loans financed a 2–4 unit property, the 5th-highest share of Tennessee's 24 counties with published data (statewide: 12.2%).
2–4 unit properties are a larger share here than in most of Tennessee. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
The median investor loan in Sumner County was $265K, the 5th-highest median of Tennessee's 24 counties with published data (statewide: $205K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
By share of investor loans reported as business-purpose, Sumner County ranks 5th-highest of Tennessee's 24 counties with published data (statewide: 66.4%).
71.5% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Does a DSCR loan pencil in Sumner County?
At HUD's fair market rent of $2,309 for a 3-bedroom in Sumner 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). Sumner County's median home value is $393,100; at that price the payment is $2,475 a month, so the property would need $2,475 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) | $1,798 / $2,309 / $2,799 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $393,100 |
| Median property taxes and effective rate | $1,987 (0.51% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,475 |
| Rent needed to cover that payment | $2,475 |
| Coverage of a 3-bedroom at fair market rent | 0.93 |
| Highest price a 3-bedroom at fair market rent covers | about $365,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $570,000 |
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 Sumner County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Sumner County?
The most active investment-property lenders in Sumner County in 2025 HMDA data were The Farmers Bank; UNITED SHORE FINANCIAL SERVICES, LLC; and Volunteer State Bank, out of 110 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 and matches each file to the one most likely to fund it.
Sumner County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 404 loans and $119.3M from 110 lenders. The Farmers Bank led Sumner County with 83 loans, 20.5% of the county's total, and the average Sumner County loan of $295K compares with $285K across Tennessee.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| The Farmers Bank | 83 | $24.5M | $295K | 78.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 23 | $6.6M | $287K | 52.2% |
| Volunteer State Bank | 20 | $6.5M | $323K | 40.0% |
| First National Bank | 19 | $5.0M | $266K | 78.9% |
| Edmonton State Bank | 10 | $6.0M | $598K | 90.0% |
| WILSON BANK AND TRUST | 10 | $2.4M | $238K | 80.0% |
| Rocket Mortgage, LLC | 10 | $2.0M | $205K | 80.0% |
| THE LOAN STORE, INC. | 9 | $2.7M | $297K | 55.6% |
| Pinnacle Bank | 8 | $2.5M | $314K | 75.0% |
| CMG MORTGAGE, INC. | 8 | $2.5M | $308K | 87.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 7 | $1.8M | $258K | 71.4% |
| FIRST COMMUNITY MORTGAGE, INC. | 7 | $1.2M | $175K | 0.0% |
| KIND LENDING, LLC | 6 | $2.3M | $387K | 66.7% |
| ASCEND FEDERAL CREDIT UNION | 6 | $1.9M | $320K | 0.0% |
| Loandepot.Com, LLC | 6 | $1.2M | $207K | 100.0% |
| FIRST COMMERCE BANK | 6 | $1.0M | $162K | 66.7% |
| Easy Street Capital, LLC | 5 | $1.2M | $237K | 0.0% |
| FIRSTTRUST HOME LOANS, INC. | 5 | $1.1M | $225K | 100.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 5 | $1.1M | $225K | 80.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 5 | $1.0M | $209K | 100.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | $2.6M | $643K | 50.0% |
| GUARANTEED RATE, INC. | 4 | $1.9M | $488K | 100.0% |
| NEWREZ LLC | 4 | $1.8M | $453K | 75.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | $1.3M | $323K | 25.0% |
| BankTennessee | 4 | $1.1M | $263K | 50.0% |
451 Tennessee loans (2.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Sumner County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Sumner County CSV, all 25 lenders
What Sumner County's table can't show you: fit. Short-term financing is exempt from HMDA, so Sumner County's fix-and-flip and bridge lenders barely appear among its 110 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 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 Sumner County, Tennessee deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Sumner 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 — Sumner County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 110 lenders and 404 loans: 2025 HMDA loan-level data rolled up to Sumner County.
- Sumner County investor-lender dataset (CSV) — All 25 lenders in the Sumner County, Tennessee table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Sumner 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 — Sumner 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.