DSCR Loans in Barnstable County, Massachusetts
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 143 lenders made 507 investment-property loans in Barnstable County, 5.1% of Massachusetts's total. Dominick Prevete arranges DSCR loans across Barnstable County, Massachusetts, 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 $480,000.
Barnstable County investor market at a glance
| Statistic | Barnstable County | Massachusetts | County rank |
|---|---|---|---|
| Investor loans | 507 | 9,959 | 9th of 11 |
| Reporting lenders | 143 | 432 | 7th of 11 |
| Loan volume | $308.7M | $6.16B | 6th of 11 |
| Average loan | $609K | $618K | 4th of 11 |
| Median loan | $465K | $465K | 5th of 11 |
| Purchases | 63.1% | 60.2% | 5th of 11 |
| Cash-out refinances | 16.4% | 18.6% | 7th of 11 |
| 2–4 unit properties | 11.2% | 46.4% | 11th of 11 |
| Top five lenders' share | 31.4% | 17.2% | 3rd of 11 |
| Reported business-purpose | 74.6% | 73.3% | 4th of 11 |
Barnstable County: closed-end loans on 1–4 unit investment properties. Barnstable County's rank is highest first, among Massachusetts's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Barnstable County's investor loans.
What stands out in Barnstable County
11.2% of Barnstable County's investor loans financed a 2–4 unit property, the lowest share of Massachusetts's 11 counties with published data (statewide: 46.4%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Barnstable County's 507 investor loans ranked 9th of Massachusetts's 11 counties with published data.
Does a DSCR loan pencil in Barnstable County?
At HUD's fair market rent of $3,121 for a 3-bedroom in Barnstable County, Massachusetts, a rental covers its full DSCR payment up to a purchase price of about $480,000, with 20% down at the 7.25% starting rate (November 2026). Barnstable County's median home value is $629,000; at that price the payment is $4,048 a month, so the property would need $4,050 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) | $2,488 / $3,121 / $3,721 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $629,000 |
| Median property taxes and effective rate | $4,239 (0.67% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $4,048 |
| Rent needed to cover that payment | $4,050 |
| Coverage of a 3-bedroom at fair market rent | 0.77 |
| Highest price a 3-bedroom at fair market rent covers | about $480,000 |
| HUD area | Barnstable Town, MA MSA |
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 Barnstable County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Barnstable County?
The most active investment-property lenders in Barnstable County in 2025 HMDA data were RF RENOVO MANAGEMENT COMPANY, LLC; The Cape Cod Five Cents Savings Bank; and Leader Bank, National Association, out of 143 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 Barnstable County, and matches each file to the one most likely to fund it.
Barnstable County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 507 loans and $308.7M from 143 lenders. RF RENOVO MANAGEMENT COMPANY, LLC led Barnstable County with 40 loans, 7.9% of the county's total, and the average Barnstable County loan of $609K compares with $618K across Massachusetts.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| RF RENOVO MANAGEMENT COMPANY, LLC | 40 | $27.3M | $682K | 52.5% |
| The Cape Cod Five Cents Savings Bank | 36 | $14.3M | $396K | 66.7% |
| Leader Bank, National Association | 32 | $16.4M | $513K | 78.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 29 | $16.2M | $558K | 72.4% |
| Rocket Mortgage, LLC | 22 | $9.9M | $448K | 63.6% |
| Cape Cod Co-operative Bank | 14 | $6.2M | $439K | 71.4% |
| Rockland Trust Company | 12 | $6.7M | $558K | 83.3% |
| GUARANTEED RATE, INC. | 12 | $6.0M | $497K | 83.3% |
| NEWREZ LLC | 10 | $5.1M | $508K | 50.0% |
| PENNYMAC LOAN SERVICES, LLC | 10 | $4.2M | $423K | 70.0% |
| Martha's Vineyard Bank | 9 | $4.2M | $468K | 44.4% |
| OCMBC, INC. | 9 | $3.7M | $412K | 44.4% |
| CCG Fund 1, LLC | 8 | $15.4M | $1923K | 12.5% |
| Bank of America, National Association | 8 | $9.8M | $1220K | 87.5% |
| Seamen's Bank | 8 | $8.8M | $1103K | 87.5% |
| Kiavi Funding, Inc. | 8 | $4.2M | $528K | 100.0% |
| JPMorgan Chase Bank, National Association | 7 | $4.7M | $669K | 100.0% |
| MOVEMENT MORTGAGE, LLC | 7 | $4.1M | $581K | 42.9% |
| Loandepot.Com, LLC | 6 | $6.8M | $1127K | 33.3% |
| NEW FED MORTGAGE, CORP. | 6 | $2.9M | $477K | 66.7% |
| Citizens Bank, National Association | 5 | $6.4M | $1289K | 80.0% |
| Hometown Equity Mortgage, LLC | 5 | $4.4M | $877K | 40.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 5 | $2.4M | $471K | 60.0% |
| AMERANT MORTGAGE, LLC | 5 | $2.3M | $459K | 40.0% |
| GUILD MORTGAGE COMPANY | 5 | $1.9M | $373K | 80.0% |
211 Massachusetts loans (2.1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Barnstable County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Barnstable County CSV, all 25 lenders
What Barnstable County's table can't show you: fit. Short-term financing is exempt from HMDA, so Barnstable County's fix-and-flip and bridge lenders barely appear among its 143 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 Barnstable County, Massachusetts deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Barnstable County, Massachusetts 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 — Barnstable County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 143 lenders and 507 loans: 2025 HMDA loan-level data rolled up to Barnstable County.
- Barnstable County investor-lender dataset (CSV) — All 25 lenders in the Barnstable County, Massachusetts table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Barnstable 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 Barnstable Town, MA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Barnstable 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.