DSCR Loans in Ada County, Idaho
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 161 lenders made 1,033 investment-property loans in Ada County, 33.9% of Idaho's total. Dominick Prevete arranges DSCR loans across Ada County, Idaho, 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 $335,000.
Ada County investor market at a glance
| Statistic | Ada County | Idaho | County rank |
|---|---|---|---|
| Investor loans | 1,033 | 3,049 | 1st of 6 |
| Reporting lenders | 161 | 259 | 1st of 6 |
| Loan volume | $360.2M | $1.04B | 1st of 6 |
| Average loan | $349K | $342K | 2nd of 6 |
| Median loan | $315K | $295K | 2nd of 6 |
| Purchases | 73.3% | 66.7% | 1st of 6 |
| Cash-out refinances | 12.7% | 16.5% | 6th of 6 |
| 2–4 unit properties | 7.6% | 14.2% | 6th of 6 |
| Top five lenders' share | 22.8% | 24.2% | 6th of 6 |
| Reported business-purpose | 55.3% | 55.4% | 5th of 6 |
Ada County: closed-end loans on 1–4 unit investment properties. Ada County's rank is highest first, among Idaho's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Ada County's investor loans.
What stands out in Ada County
73.3% of Ada County's investor loans were purchases, the highest share of Idaho's 6 counties with published data (statewide: 66.7%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
12.7% of Ada County's investor loans were cash-out refinances, the lowest share of Idaho's 6 counties with published data (statewide: 16.5%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
7.6% of Ada County's investor loans financed a 2–4 unit property, the lowest share of Idaho's 6 counties with published data (statewide: 14.2%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Does a DSCR loan pencil in Ada County?
At HUD's fair market rent of $2,132 for a 3-bedroom in Ada County, Idaho, a rental covers its full DSCR payment up to a purchase price of about $335,000, with 20% down at the 7.25% starting rate (November 2026). Ada County's median home value is $512,300; at that price the payment is $3,231 a month, so the property would need $3,250 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) | $1,540 / $2,132 / $2,574 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $512,300 |
| Median property taxes and effective rate | $2,655 (0.52% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,231 |
| Rent needed to cover that payment | $3,250 |
| Coverage of a 3-bedroom at fair market rent | 0.66 |
| Highest price a 3-bedroom at fair market rent covers | about $335,000 |
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 Ada County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Ada County?
The most active investment-property lenders in Ada County in 2025 HMDA data were IDAHO CENTRAL CREDIT UNION; Rocket Mortgage, LLC; and THE LOAN STORE, INC., out of 161 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 Ada County, and matches each file to the one most likely to fund it.
Ada County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,033 loans and $360.2M from 161 lenders. IDAHO CENTRAL CREDIT UNION led Ada County with 81 loans, 7.8% of the county's total, and the average Ada County loan of $349K compares with $342K across Idaho.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| IDAHO CENTRAL CREDIT UNION | 81 | $24.7M | $305K | 69.1% |
| Rocket Mortgage, LLC | 41 | $14.2M | $347K | 51.2% |
| THE LOAN STORE, INC. | 41 | $12.7M | $309K | 73.2% |
| LENNAR MORTGAGE, LLC | 37 | $11.1M | $299K | 100.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 36 | $10.7M | $296K | 72.2% |
| GUILD MORTGAGE COMPANY | 35 | $9.8M | $281K | 77.1% |
| PENNYMAC LOAN SERVICES, LLC | 33 | $13.4M | $407K | 72.7% |
| United Wholesale Mortgage | 33 | $11.2M | $339K | 69.7% |
| KIND LENDING, LLC | 30 | $9.3M | $308K | 83.3% |
| GUARANTEED RATE, INC. | 25 | $8.7M | $347K | 68.0% |
| Synergy One Lending, Inc. | 25 | $7.1M | $285K | 72.0% |
| MOVEMENT MORTGAGE, LLC | 20 | $6.6M | $331K | 85.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 19 | $6.5M | $341K | 63.2% |
| Fairway Independent Mortgage Corporation | 19 | $5.6M | $294K | 89.5% |
| HOMEXPRESS MORTGAGE CORP. | 17 | $6.6M | $387K | 70.6% |
| Archwest Funding | 16 | $10.4M | $648K | 75.0% |
| Kiavi Funding, Inc. | 16 | $7.3M | $455K | 93.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 16 | $5.6M | $350K | 87.5% |
| HOMEAMERICAN MORTGAGE CORPORATION | 16 | $5.3M | $331K | 100.0% |
| AMERITRUST MORTGAGE CORPORATION | 15 | $7.9M | $528K | 0.0% |
| NexBank | 15 | $5.3M | $356K | 93.3% |
| U.S. Bank National Association | 14 | $4.3M | $310K | 92.9% |
| CLM MORTGAGE, INC. | 14 | $4.1M | $290K | 100.0% |
| BLUEBIRD HOME LOANS LLC | 13 | $4.3M | $333K | 69.2% |
| JMJ FINANCIAL GROUP | 11 | $4.8M | $434K | 81.8% |
7 Idaho loans (0.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Ada County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Ada County CSV, all 25 lenders
What Ada County's table can't show you: fit. Short-term financing is exempt from HMDA, so Ada County's fix-and-flip and bridge lenders barely appear among its 161 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 →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Ada County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Ada County |
|---|---|---|---|
| Canyon County, ID | 372 | 98 | Borders Ada County |
| Twin Falls County, ID | 110 | 39 | About 110 miles away |
| Bannock County, ID | 148 | 46 | About 210 miles away |
| Bonneville County, ID | 171 | 53 | About 230 miles away |
Run the coverage test on your Ada County, Idaho deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Ada County, Idaho 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 — Ada County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 161 lenders and 1,033 loans: 2025 HMDA loan-level data rolled up to Ada County.
- Ada County investor-lender dataset (CSV) — All 25 lenders in the Ada County, Idaho table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Ada 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 Boise City, ID HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Ada 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.