DSCR Loans in Allegheny County, Pennsylvania
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 206 lenders made 2,300 investment-property loans in Allegheny County, 9.5% of Pennsylvania's total. Dominick Prevete arranges DSCR loans across Allegheny County, Pennsylvania, 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 $245,000.
Allegheny County investor market at a glance
| Statistic | Allegheny County | Pennsylvania | County rank |
|---|---|---|---|
| Investor loans | 2,300 | 24,181 | 2nd of 35 |
| Reporting lenders | 206 | 587 | 3rd of 35 |
| Loan volume | $427.3M | $5.10B | 2nd of 35 |
| Average loan | $186K | $211K | 17th of 35 |
| Median loan | $155K | $175K | 19th of 35 |
| Purchases | 52.8% | 55.3% | 28th of 35 |
| Cash-out refinances | 27.0% | 21.3% | 3rd of 35 |
| 2–4 unit properties | 26.9% | 26.5% | 16th of 35 |
| Top five lenders' share | 32.6% | 20.4% | 21st of 35 |
| Reported business-purpose | 80.7% | 77.2% | 8th of 35 |
Allegheny County: closed-end loans on 1–4 unit investment properties. Allegheny County's rank is highest first, among Pennsylvania's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Allegheny County's investor loans.
What stands out in Allegheny County
27.0% of Allegheny County's investor loans were cash-out refinances, the 3rd-highest share of Pennsylvania's 35 counties with published data (statewide: 21.3%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
By share of investor loans reported as business-purpose, Allegheny County ranks 8th-highest of Pennsylvania's 35 counties with published data (statewide: 77.2%).
80.7% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
52.8% of Allegheny County's investor loans were purchases, the 8th-lowest share of Pennsylvania's 35 counties with published data (statewide: 55.3%).
Refinances are a larger share here than in most of Pennsylvania. A DSCR refinance qualifies on the property's current rent.
Does a DSCR loan pencil in Allegheny County?
At HUD's fair market rent of $1,773 for a 3-bedroom in Allegheny County, Pennsylvania, a rental covers its full DSCR payment up to a purchase price of about $245,000, with 20% down at the 7.25% starting rate (November 2026). Allegheny County's median home value is $227,600; at that price the payment is $1,625 a month, so the property would need $1,625 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,389 / $1,773 / $1,925 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $227,600 |
| Median property taxes and effective rate | $3,451 (1.52% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,625 |
| Rent needed to cover that payment | $1,625 |
| Coverage of a 3-bedroom at fair market rent | 1.09 |
| Highest price a 3-bedroom at fair market rent covers | about $245,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $385,000 |
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 Allegheny County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Allegheny County?
The most active investment-property lenders in Allegheny County in 2025 HMDA data were Kiavi Funding, Inc.; BPL MORTGAGE TRUST, LLC; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 206 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 two that reported in Allegheny County, and matches each file to the one most likely to fund it.
Allegheny County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 2,300 loans and $427.3M from 206 lenders. Kiavi Funding, Inc. led Allegheny County with 200 loans, 8.7% of the county's total, and the average Allegheny County loan of $186K compares with $211K across Pennsylvania.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 200 | $37.7M | $189K | 57.5% |
| BPL MORTGAGE TRUST, LLC | 178 | $24.9M | $140K | 55.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 168 | $21.9M | $131K | 56.0% |
| CV3 FINANCIAL SERVICES, LLC | 121 | $23.6M | $195K | 71.9% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 83 | $13.7M | $165K | 13.3% |
| Loan Funder LLC | 61 | $11.2M | $183K | 39.3% |
| Rocket Mortgage, LLC | 54 | $7.7M | $143K | 53.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 50 | $12.1M | $242K | 12.0% |
| S&T Bank | 42 | $8.6M | $205K | 57.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 42 | $8.1M | $194K | 57.1% |
| Union Savings Bank | 40 | $7.6M | $190K | 60.0% |
| CHROME | 39 | $6.6M | $169K | 2.6% |
| Dollar Bank, Federal Savings Bank | 37 | $6.9M | $185K | 54.1% |
| AMERICAN HERITAGE LENDING, LLC | 35 | $6.2M | $178K | 65.7% |
| MOVEMENT MORTGAGE, LLC | 34 | $6.2M | $184K | 88.2% |
| CONSTRUCTIVE LOANS, LLC | 30 | $7.0M | $233K | 13.3% |
| Easy Street Capital, LLC | 29 | $6.0M | $206K | 0.0% |
| PNC Bank, National Association | 28 | $4.7M | $169K | 82.1% |
| THE LOAN STORE, INC. | 27 | $5.8M | $216K | 59.3% |
| HOMEXPRESS MORTGAGE CORP. | 27 | $5.8M | $215K | 3.7% |
| DHI MORTGAGE COMPANY, LTD. | 25 | $7.0M | $280K | 100.0% |
| SOMERSET TRUST COMPANY | 25 | $4.8M | $194K | 64.0% |
| VICTORIAN FINANCE, LLC | 25 | $4.2M | $169K | 88.0% |
| LIMA ONE CAPITAL, LLC | 25 | $3.8M | $150K | 64.0% |
| LENDINGONE, LLC | 24 | $4.8M | $199K | 62.5% |
926 Pennsylvania loans (3.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Allegheny County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Allegheny County CSV, all 25 lenders
What Allegheny County's table can't show you: fit. Short-term financing is exempt from HMDA, so Allegheny County's fix-and-flip and bridge lenders barely appear among its 206 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 Allegheny County, Pennsylvania deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Allegheny County, Pennsylvania 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 — Allegheny County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 206 lenders and 2,300 loans: 2025 HMDA loan-level data rolled up to Allegheny County.
- Allegheny County investor-lender dataset (CSV) — All 25 lenders in the Allegheny County, Pennsylvania table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Allegheny 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 Pittsburgh, PA HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Allegheny 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.