Birmingham DSCR Loans for Rental Property
Are you seeking long-term private financing for a residential rental property in Birmingham, AL? On this page you'll find a list of lenders that offer these “DSCR” loans for single family homes, condos, and 2-4 unit rental properties in urban areas. Some lenders consider vacation rentals (aka short-term rental or STR). For a purchase, investors typically need a minimum down payment of 20%, and it could be higher depending on the debt service coverage ratio (DSCR), borrower’s credit score and location. The loans terms range from 3 to 30 years. D.S.C.R. stands for debt service coverage ratio, which is a measure of the property's cash flow. The formula is gross rental income divided by expenses (mortgage principal and interest, property taxes, insurance, and HOA dues, if applicable). These loans qualify based on the DSCR rather than the borrower's personal income.Searching...
Sorry, your search returned no results.
RCN Capital
Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans
Center Street Lending
Smarter Loans for Residential Investors
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
Residential Capital Partners
100% Financing for Residential Rehab Projects (NO Money Down)
Accolend
No Points, 0% Origination Fee | Residential, Multifamily, Mixed-Use
Temple View Capital
Direct Lender for Residenital Property Investors Nationwide
LendingOne
Rental, Fix & Flip, New Construction, Fix to Rent, SFR Portfolio Loans Nationwide
i Fund Cities
Direct Lender for Builders and Rehabbers
Conventus
We Fund Fast While Providing Excellent Service and Competitive Pricing
Certain Lending
The Mortgage Company Built for Real Estate Investors
Malve Capital LLC
Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.
Kiavi
Servicing 18,000+ Real Estate Investors Across the Country
Top 12 Alabama DSCR Lenders for Rental Properties
According to SFR Analtyics, here are the top private lending companies that are funding DSCR long-term loans secured by residential rental properties in Alabama, along with the approximate loan volume funded. The list ranks each lender by the total loan volume originated throughout Alabama from July 2025 to September 2025.
- ROC Capital funded over $7,017,656
- Constructive Capital funded over $5,739,964
- Beach Park Partners funded over $3,549,675
- LendingOne funded over $3,462,415
- RCN Capital funded over $2,777,638
- CV3 Financial Services funded over $1,450,350
- Commercial Loan Funding LLC funded over $1,378,536
- Dominion Financial Services funded over $940,225
- Visio Lending funded over $929,225
- Legions Capital Inc (LoanGuys) funded over $892,100
- American Heritage Lending LLC funded over $892,100
- Lima One Capital funded over $656,150
Click the links to view each lender’s profile. The lenders without a link do not have an active Lender Link profile. The loan volume amounts mentioned are approximate. Not every loan has maturity data, so some lender’s volume may be higher than shown.
SFR Analtyics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market..
Alabama DSCR Loan Interest Rates
According to the loan documents software company, Lightning Docs, the average interest rate for Alabama DSCR long-term rental loans in the 1st quarter of 2026 was 7.11%. The average loan amount was $166,068. These stats are the average of 167 loans funded for residential rental properties in Alabama between January 1, 2026 and March 31, 2026 by multiple lenders that use Lightning Docs as their preferred software provider to prepare loan documents.
Alabama DSCR Rental Loan Volume
According to SFR Analytics, here is the approximate quarterly volume of DSCR loans secured by residential rental properties in Alabama which were funded from January 2025 to December 2025.
- Approximately $- of DSCR rental loans were funded in the 4th quarter of 2025 for - borrowers.
- Approximately $29,573,473 of DSCR rental loans were funded in the 3rd quarter of 2025 for 161 borrowers.
- Approximately $23,085,411 of DSCR rental loans were funded in the 2nd quarter of 2025 for 182 borrowers.
- Approximately $23,988,565 of DSCR rental loans were funded in the 1st quarter of 2025 for 185 borrowers.
Below are the approximate DSCR loan volume amounts for Alabama’s metropolitan areas:
Birmingham, AL
- 2025 Q4: $- for - borrowers
- 2025 Q3: $14,136,684 for 89 borrowers
- 2025 Q2: $11,653,557 for 103 borrowers
- 2025 Q1: $15,162,103 for 121 borrowers
Huntsville, AL
- 2025 Q4: $- for - borrowers
- 2025 Q3: $2,871,000 for 17 borrowers
- 2025 Q2: $2,178,475 for 14 borrowers
- 2025 Q1: $1,668,500 for 11 borrowers
Mobile, AL
- 2025 Q4: $- for - borrowers
- 2025 Q3: $2,247,520 for 14 borrowers
- 2025 Q2: $2,673,553 for 24 borrowers
- 2025 Q1: $1,796,983 for 16 borrowers
Montgomery, AL
- 2025 Q4: $- for - borrowers
- 2025 Q3: $3,958,512 for borrowers
- 2025 Q2: $4,393,516 for 35 borrowers
- 2025 Q1: $2,537,214 for 22 borrowers
SFR Analytics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market.
