MoFin Lending for Alabama investors
MoFin Lending is a direct DSCR lender licensed in 34 states with a 700 minimum credit score — the highest credit floor among the lenders added to this directory in September 2026. Minimum loan size is $150,000. The company does not publish minimum DSCR, maximum loan size, LTV, or rate figures in the sources reviewed.
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 MoFin Lending positions in Alabama
Alabama is well covered by national DSCR lenders, with MoFin Lending as one option. Where MoFin Lending differentiates: Licensed in 34 states. Where it competes: rates not publicly published against peer programs.
City-level coverage in Alabama
MoFin Lending provides DSCR coverage across Alabama metros including Birmingham, Huntsville, and Mobile. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. MoFin Lending program terms apply uniformly across Alabama metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | $150K - — |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | Not publicly published |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Alabama property tax | 0.4% |
| Alabama state income tax | 5% |
MoFin Lending strengths in Alabama
- Licensed in 34 states
- Direct lender
- $150,000 minimum loan size
- Highest minimum credit score (700) among the lenders added to this directory in September 2026
Ideal borrower: Investor with a 700+ credit score and a $150,000+ loan size seeking a direct DSCR lender.
FAQ
Yes, operates nationally including Alabama. MoFin Lending is based in an undisclosed location and operates nationally.
Birmingham is the top investor market in Alabama and falls within MoFin Lending national coverage. Birmingham property tax follows the Alabama state rate of 0.4 percent. MoFin Lending typically underwrites Birmingham acquisitions at standard rate sheets.
Yes. Huntsville ranks among the larger Alabama investor metros and sees consistent DSCR loan volume from MoFin Lending. Submarket variation within Huntsville matters for property selection.
MoFin Lending 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 MoFin Lending program.
MoFin Lending does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
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. MoFin Lending follows standard business-purpose loan structures.
MoFin Lending funds rental DSCR in Alabama.
Alabama allows standard DSCR prepay structures; MoFin Lending typically uses 3-5 year step down.
MoFin Lending typical close: Not publicly published.
Bottom line
MoFin Lending in Alabama works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with MoFin Lending.