DSCR Loans in Belmont County, Ohio
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 28 lenders made 119 investment-property loans in Belmont County, 0.5% of Ohio's total. Dominick Prevete arranges DSCR loans across Belmont County, Ohio, 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 $195,000.
Belmont County investor market at a glance
| Statistic | Belmont County | Ohio | County rank |
|---|---|---|---|
| Investor loans | 119 | 21,703 | 27th of 30 |
| Reporting lenders | 28 | 551 | 29th of 30 |
| Loan volume | $13.1M | $3.64B | 30th of 30 |
| Average loan | $110K | $168K | 29th of 30 |
| Median loan | $95K | $135K | 27th of 30 |
| Purchases | 35.3% | 59.1% | 30th of 30 |
| Cash-out refinances | 42.9% | 20.0% | 1st of 30 |
| 2–4 unit properties | 21.0% | 23.7% | 16th of 30 |
| Top five lenders' share | 59.7% | 28.8% | 2nd of 30 |
| Reported business-purpose | 52.9% | 76.4% | 27th of 30 |
Belmont County: closed-end loans on 1–4 unit investment properties. Belmont County's rank is highest first, among Ohio's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Belmont County's investor loans.
What stands out in Belmont County
42.9% of Belmont County's investor loans were cash-out refinances, the highest share of Ohio's 30 counties with published data (statewide: 20.0%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
35.3% of Belmont County's investor loans were purchases, the lowest share of Ohio's 30 counties with published data (statewide: 59.1%).
Most investor loans here refinance property investors already own. A DSCR refinance qualifies on the property's current rent.
The average investor loan in Belmont County was $110K, the 2nd-lowest average of Ohio's 30 counties with published data (statewide: $168K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Belmont County?
At HUD's fair market rent of $1,300 for a 3-bedroom in Belmont County, Ohio, a rental covers its full DSCR payment up to a purchase price of about $195,000, with 20% down at the 7.25% starting rate (November 2026). Belmont County's median home value is $154,900; at that price the payment is $1,032 a month, so the property would need $1,050 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) | $1,009 / $1,300 / $1,436 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $154,900 |
| Median property taxes and effective rate | $1,469 (0.95% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,032 |
| Rent needed to cover that payment | $1,050 |
| Coverage of a 3-bedroom at fair market rent | 1.26 |
| Highest price a 3-bedroom at fair market rent covers | about $195,000 |
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 Belmont County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Belmont County?
The most active investment-property lenders in Belmont County in 2025 HMDA data were BPL MORTGAGE TRUST, LLC; Belmont Savings Bank; and The Citizens National Bank of Woodsfield, out of 28 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 Belmont County, and matches each file to the one most likely to fund it.
Belmont County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 119 loans and $13.1M from 28 lenders. BPL MORTGAGE TRUST, LLC led Belmont County with 28 loans, 23.5% of the county's total, and the average Belmont County loan of $110K compares with $168K across Ohio.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| BPL MORTGAGE TRUST, LLC | 28 | $2.7M | $98K | 3.6% |
| Belmont Savings Bank | 17 | $1.8M | $106K | 29.4% |
| The Citizens National Bank of Woodsfield | 10 | $1.0M | $97K | 60.0% |
| UNIFIED BANK | 10 | $0.9M | $90K | 70.0% |
| LENDSURE MORTGAGE CORP. | 6 | $0.8M | $137K | 0.0% |
| NEXERA HOLDING LLC | 6 | $0.7M | $115K | 0.0% |
| Woodsfield Savings Bank | 5 | $0.5M | $97K | 60.0% |
| Main Street Bank Corp | 5 | $0.4M | $81K | 80.0% |
| BAYER HERITAGE CREDIT UNION | 4 | $0.5M | $120K | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 4 | $0.5M | $113K | 25.0% |
| Kiavi Funding, Inc. | 3 | $0.4M | $122K | 100.0% |
| 21st Mortgage Corporation | 3 | $0.1M | $45K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 2 | $0.2M | $105K | 0.0% |
| WesBanco Bank, Inc. | 2 | $0.2M | $85K | 100.0% |
| Loan Funder LLC | 1 | $1.0M | $1035K | 0.0% |
| InFirst Bank | 1 | $0.2M | $235K | 0.0% |
| The Huntington National Bank | 1 | $0.2M | $165K | 100.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | $0.2M | $165K | 0.0% |
| CV3 FINANCIAL SERVICES, LLC | 1 | $0.1M | $115K | 100.0% |
| FIRST OHIO HOME FINANCE, INC. | 1 | $0.1M | $105K | 0.0% |
| Farm Credit Mid-America | 1 | $0.1M | $105K | 100.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | $0.1M | $105K | 0.0% |
| AMWEST FUNDING CORP. | 1 | $0.1M | $85K | 100.0% |
| Truist Bank | 1 | $0.1M | $85K | 100.0% |
| POLARIS HOME FUNDING CORP. | 1 | $0.1M | $75K | 100.0% |
1,125 Ohio loans (5.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Belmont County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Belmont County CSV, all 25 lenders
What Belmont County's table can't show you: fit. Short-term financing is exempt from HMDA, so Belmont County's fix-and-flip and bridge lenders barely appear among its 28 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 Belmont County, Ohio deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Belmont County, Ohio 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 — Belmont County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 28 lenders and 119 loans: 2025 HMDA loan-level data rolled up to Belmont County.
- Belmont County investor-lender dataset (CSV) — All 25 lenders in the Belmont County, Ohio table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Belmont 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 Wheeling, WV-OH MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Belmont 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.