DSCR Loans in Beaver County, Pennsylvania
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, 75 lenders made 208 investment-property loans in Beaver County, 0.9% of Pennsylvania's total. Dominick Prevete arranges DSCR loans across Beaver 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 $250,000.
Beaver County investor market at a glance
| Statistic | Beaver County | Pennsylvania | County rank |
|---|---|---|---|
| Investor loans | 208 | 24,181 | 23rd of 35 |
| Reporting lenders | 75 | 587 | 20th of 35 |
| Loan volume | $27.9M | $5.10B | 27th of 35 |
| Average loan | $134K | $211K | 29th of 35 |
| Median loan | $115K | $175K | 28th of 35 |
| Purchases | 51.0% | 55.3% | 32nd of 35 |
| Cash-out refinances | 22.1% | 21.3% | 8th of 35 |
| 2–4 unit properties | 29.3% | 26.5% | 12th of 35 |
| Top five lenders' share | 34.6% | 20.4% | 18th of 35 |
| Reported business-purpose | 73.1% | 77.2% | 19th of 35 |
Beaver County: closed-end loans on 1–4 unit investment properties. Beaver County's rank is highest first, among Pennsylvania's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Beaver County's investor loans.
What stands out in Beaver County
51.0% of Beaver County's investor loans were purchases, the 4th-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.
The average investor loan in Beaver County was $134K, the 7th-lowest average of Pennsylvania's 35 counties with published data (statewide: $211K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
22.1% of Beaver County's investor loans were cash-out refinances, the 8th-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.
Does a DSCR loan pencil in Beaver County?
At HUD's fair market rent of $1,773 for a 3-bedroom in Beaver County, Pennsylvania, a rental covers its full DSCR payment up to a purchase price of about $250,000, with 20% down at the 7.25% starting rate (November 2026). Beaver County's median home value is $190,900; at that price the payment is $1,347 a month, so the property would need $1,350 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) | $190,900 |
| Median property taxes and effective rate | $2,704 (1.42% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,347 |
| Rent needed to cover that payment | $1,350 |
| Coverage of a 3-bedroom at fair market rent | 1.32 |
| Highest price a 3-bedroom at fair market rent covers | about $250,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $390,000 |
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 Beaver County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Beaver County?
The most active investment-property lenders in Beaver County in 2025 HMDA data were Kiavi Funding, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and CV3 FINANCIAL SERVICES, LLC, out of 75 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 Beaver County, and matches each file to the one most likely to fund it.
Beaver County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 208 loans and $27.9M from 75 lenders. Kiavi Funding, Inc. led Beaver County with 21 loans, 10.1% of the county's total, and the average Beaver County loan of $134K compares with $211K across Pennsylvania.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 21 | $2.7M | $130K | 47.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 18 | $1.9M | $106K | 66.7% |
| CV3 FINANCIAL SERVICES, LLC | 15 | $2.0M | $131K | 66.7% |
| S&T Bank | 9 | $1.4M | $153K | 66.7% |
| Loan Funder LLC | 9 | $1.3M | $139K | 33.3% |
| Rocket Mortgage, LLC | 8 | $1.0M | $130K | 25.0% |
| VICTORIAN FINANCE, LLC | 6 | $0.7M | $120K | 50.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 6 | $0.6M | $103K | 0.0% |
| The Huntington National Bank | 5 | $0.6M | $113K | 60.0% |
| West-Aircomm Federal Credit Union | 5 | $0.2M | $49K | 0.0% |
| Fairway Independent Mortgage Corporation | 4 | $0.9M | $215K | 75.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | $0.6M | $145K | 25.0% |
| BPL MORTGAGE TRUST, LLC | 4 | $0.5M | $118K | 25.0% |
| MOVEMENT MORTGAGE, LLC | 4 | $0.4M | $110K | 25.0% |
| NEW ALLIANCE FEDERAL CREDIT UNION | 4 | $0.3M | $78K | 0.0% |
| LIMA ONE CAPITAL, LLC | 3 | $0.6M | $198K | 66.7% |
| SOMERSET TRUST COMPANY | 3 | $0.6M | $185K | 66.7% |
| Brentwood Bank | 3 | $0.5M | $158K | 100.0% |
| CHROME | 3 | $0.4M | $142K | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | $0.4M | $132K | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 3 | $0.3M | $98K | 0.0% |
| InFirst Bank | 2 | $0.7M | $355K | 100.0% |
| Peoples Security Bank and Trust Company | 2 | $0.5M | $225K | 100.0% |
| PNC Bank, National Association | 2 | $0.3M | $145K | 50.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | $0.3M | $130K | 100.0% |
926 Pennsylvania loans (3.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Beaver County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Beaver County CSV, all 25 lenders
What Beaver County's table can't show you: fit. Short-term financing is exempt from HMDA, so Beaver County's fix-and-flip and bridge lenders barely appear among its 75 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 Beaver County, Pennsylvania deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Beaver 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 — Beaver County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 75 lenders and 208 loans: 2025 HMDA loan-level data rolled up to Beaver County.
- Beaver County investor-lender dataset (CSV) — All 25 lenders in the Beaver County, Pennsylvania table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Beaver 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 — Beaver 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.