Dominion Financial Services for Alabama investors
Dominion Financial Services is an established lender with comfort on distressed properties and flexibility on borrower credit profiles.
Alabama context
Alabama has one of the lowest property tax rates in the country, making DSCR cash flow economics strong. Strong investor activity in Birmingham, Huntsville, and Mobile.
How Dominion Financial Services positions in Alabama
Alabama is well covered by national DSCR lenders, with Dominion Financial Services as one option. Where Dominion Financial Services differentiates: experienced underwriting. Where it competes: rates 9.5 to 12.5 percent against peer programs.
City-level coverage in Alabama
Dominion Financial Services provides DSCR coverage across Alabama metros including Birmingham, Huntsville, and Mobile. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Dominion Financial Services program terms apply uniformly across Alabama metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, bridge, rental |
| Loan size | $50K - $5.0M |
| Rates | 9.5%-12.5% |
| Points | 1.5 - 4 |
| Max LTV | 75% of ARV |
| Term lengths | 6-18 months |
| Typical close time | 7-14 days typical |
| Alabama property tax | 0.4% |
| Alabama state income tax | 5% |
Dominion Financial Services strengths in Alabama
- experienced underwriting
- distressed property comfort
- flexible on credit
Ideal borrower: Investor on distressed deals or with credit hair
FAQ
Yes, operates nationally including Alabama. Dominion Financial Services is based in Baltimore, MD and operates nationally.
Birmingham is the top investor market in Alabama and falls within Dominion Financial Services national coverage. Birmingham property tax follows the Alabama state rate of 0.4 percent. Dominion Financial Services typically underwrites Birmingham acquisitions at standard rate sheets.
Yes. Huntsville ranks among the larger Alabama investor metros and sees consistent DSCR loan volume from Dominion Financial Services. Submarket variation within Huntsville matters for property selection.
Dominion Financial Services applies the same rate sheet across Alabama metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Birmingham, Huntsville, and Mobile all qualify for the same Dominion Financial Services program.
Dominion Financial Services indicative DSCR rate range is 9.5 to 12.5 percent with 1.5 to 4 points.
Alabama has one of the lowest property tax rates in the country, making DSCR cash flow economics strong. Strong investor activity in Birmingham, Huntsville, and Mobile. Dominion Financial Services follows standard business-purpose loan structures.
Dominion Financial Services funds fix-and-flip, bridge, rental in Alabama.
Alabama allows standard DSCR prepay structures; Dominion Financial Services typically uses 3-5 year step down.
Dominion Financial Services typical close: 7-14 days typical.
Bottom line
Alabama investors considering Dominion Financial Services should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with Dominion Financial Services.