DSCR Loans in Tuscaloosa County, Alabama
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 114 lenders made 480 investment-property loans in Tuscaloosa County, 4.8% of Alabama's total. Dominick Prevete arranges DSCR loans across Tuscaloosa County, Alabama, 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 $235,000.
Tuscaloosa County investor market at a glance
| Statistic | Tuscaloosa County | Alabama | County rank |
|---|---|---|---|
| Investor loans | 480 | 10,035 | 6th of 23 |
| Reporting lenders | 114 | 495 | 6th of 23 |
| Loan volume | $113.7M | $1.98B | 5th of 23 |
| Average loan | $237K | $197K | 3rd of 23 |
| Median loan | $165K | $145K | 6th of 23 |
| Purchases | 65.0% | 57.9% | 7th of 23 |
| Cash-out refinances | 8.8% | 16.1% | 15th of 23 |
| 2–4 unit properties | 11.5% | 8.1% | 8th of 23 |
| Top five lenders' share | 42.1% | 18.5% | 14th of 23 |
| Reported business-purpose | 61.7% | 68.3% | 13th of 23 |
Tuscaloosa County: closed-end loans on 1–4 unit investment properties. Tuscaloosa County's rank is highest first, among Alabama's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Tuscaloosa County's investor loans.
What stands out in Tuscaloosa County
The average investor loan in Tuscaloosa County was $237K, the 3rd-highest average of Alabama's 23 counties with published data (statewide: $197K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
Tuscaloosa County's 480 investor loans ranked 6th of Alabama's 23 counties with published data.
Does a DSCR loan pencil in Tuscaloosa County?
At HUD's fair market rent of $1,470 for a 3-bedroom in Tuscaloosa County, Alabama, a rental covers its full DSCR payment up to a purchase price of about $235,000, with 20% down at the 7.25% starting rate (November 2026). Tuscaloosa County's median home value is $248,700; at that price the payment is $1,527 a month, so the property would need $1,550 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) | $1,165 / $1,470 / $1,531 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $248,700 |
| Median property taxes and effective rate | $795 (0.32% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,527 |
| Rent needed to cover that payment | $1,550 |
| Coverage of a 3-bedroom at fair market rent | 0.96 |
| Highest price a 3-bedroom at fair market rent covers | about $235,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $375,000 |
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 Tuscaloosa County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Tuscaloosa County?
The most active investment-property lenders in Tuscaloosa County in 2025 HMDA data were Bryant Bank, BankFirst Financial Services and West Alabama Bank & Trust, out of 114 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 Tuscaloosa County, and matches each file to the one most likely to fund it.
Tuscaloosa County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 480 loans and $113.7M from 114 lenders. Bryant Bank led Tuscaloosa County with 62 loans, 12.9% of the county's total, and the average Tuscaloosa County loan of $237K compares with $197K across Alabama.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Bryant Bank | 62 | $19.4M | $312K | 62.9% |
| BankFirst Financial Services | 50 | $12.1M | $241K | 42.0% |
| West Alabama Bank & Trust | 35 | $6.9M | $198K | 65.7% |
| NFM, INC. | 28 | $5.3M | $191K | 96.4% |
| ALABAMA ONE | 27 | $1.9M | $71K | 81.5% |
| Robertson Banking Company | 18 | $2.8M | $157K | 22.2% |
| First Federal Bank, A FSB | 16 | $3.9M | $245K | 93.8% |
| Renasant Bank | 15 | $3.2M | $212K | 46.7% |
| Central State Bank | 14 | $4.3M | $304K | 92.9% |
| FirstBank | 8 | $4.4M | $546K | 87.5% |
| Cadence Bank | 8 | $2.3M | $291K | 87.5% |
| Investar Bank, National Association | 7 | $1.7M | $239K | 42.9% |
| SmartBank | 7 | $1.6M | $226K | 85.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 7 | $1.0M | $148K | 28.6% |
| CB&S Bank, Inc. | 6 | $1.8M | $303K | 33.3% |
| MOVEMENT MORTGAGE, LLC | 6 | $1.8M | $300K | 83.3% |
| First Bank of Alabama | 5 | $1.6M | $315K | 100.0% |
| Loan Funder LLC | 5 | $1.0M | $197K | 60.0% |
| A&D Mortgage LLC | 5 | $0.8M | $161K | 60.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | $0.9M | $218K | 25.0% |
| UNION HOME MORTGAGE CORP. | 4 | $0.7M | $180K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | $0.6M | $158K | 50.0% |
| Citadel Servicing Corporation | 4 | $0.6M | $145K | 50.0% |
| United Community Bank | 3 | $1.1M | $355K | 33.3% |
| Commerce Home Mortgage, Inc. | 3 | $0.7M | $225K | 66.7% |
257 Alabama loans (2.6%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Tuscaloosa County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Tuscaloosa County CSV, all 25 lenders
What Tuscaloosa County's table can't show you: fit. Short-term financing is exempt from HMDA, so Tuscaloosa County's fix-and-flip and bridge lenders barely appear among its 114 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 Tuscaloosa County, Alabama deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Tuscaloosa County, Alabama 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 — Tuscaloosa County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 114 lenders and 480 loans: 2025 HMDA loan-level data rolled up to Tuscaloosa County.
- Tuscaloosa County investor-lender dataset (CSV) — All 25 lenders in the Tuscaloosa County, Alabama table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Tuscaloosa 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 Tuscaloosa, AL HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Tuscaloosa 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.