DSCR Loans in Benton County, Oregon
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 52 lenders made 114 investment-property loans in Benton County, 2.3% of Oregon's total. Dominick Prevete arranges DSCR loans across Benton County, Oregon, 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 $385,000.
Benton County investor market at a glance
| Statistic | Benton County | Oregon | County rank |
|---|---|---|---|
| Investor loans | 114 | 4,893 | 10th of 11 |
| Reporting lenders | 52 | 316 | 11th of 11 |
| Loan volume | $38.5M | $1.80B | 11th of 11 |
| Average loan | $338K | $368K | 7th of 11 |
| Median loan | $305K | $325K | 7th of 11 |
| Purchases | 46.5% | 56.3% | 11th of 11 |
| Cash-out refinances | 29.8% | 23.2% | 2nd of 11 |
| 2–4 unit properties | 19.3% | 19.1% | 7th of 11 |
| Top five lenders' share | 26.3% | 16.4% | 5th of 11 |
| Reported business-purpose | 70.2% | 71.8% | 7th of 11 |
Benton County: closed-end loans on 1–4 unit investment properties. Benton County's rank is highest first, among Oregon's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Benton County's investor loans.
What stands out in Benton County
46.5% of Benton County's investor loans were purchases, the lowest share of Oregon's 11 counties with published data (statewide: 56.3%).
Most investor loans here refinance property investors already own. A DSCR refinance qualifies on the property's current rent.
29.8% of Benton County's investor loans were cash-out refinances, the 2nd-highest share of Oregon's 11 counties with published data (statewide: 23.2%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
Does a DSCR loan pencil in Benton County?
At HUD's fair market rent of $2,571 for a 3-bedroom in Benton County, Oregon, a rental covers its full DSCR payment up to a purchase price of about $385,000, with 20% down at the 7.25% starting rate (November 2026). Benton County's median home value is $513,000; at that price the payment is $3,420 a month, so the property would need $3,425 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) | $1,857 / $2,571 / $3,102 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $513,000 |
| Median property taxes and effective rate | $4,884 (0.95% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,420 |
| Rent needed to cover that payment | $3,425 |
| Coverage of a 3-bedroom at fair market rent | 0.75 |
| Highest price a 3-bedroom at fair market rent covers | about $385,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $555,000 |
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 Benton County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Benton County?
The most active investment-property lenders in Benton County in 2025 HMDA data were KIND LENDING, LLC; MOVEMENT MORTGAGE, LLC; and MORTGAGE EXPRESS, LLC, out of 52 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 Benton County, and matches each file to the one most likely to fund it.
Benton County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 114 loans and $38.5M from 52 lenders. KIND LENDING, LLC led Benton County with 8 loans, 7.0% of the county's total, and the average Benton County loan of $338K compares with $368K across Oregon.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| KIND LENDING, LLC | 8 | $2.3M | $290K | 37.5% |
| MOVEMENT MORTGAGE, LLC | 6 | $2.2M | $368K | 66.7% |
| MORTGAGE EXPRESS, LLC | 6 | $1.8M | $303K | 50.0% |
| Oregon State Credit Union | 5 | $2.6M | $511K | 80.0% |
| United Wholesale Mortgage | 5 | $2.0M | $397K | 40.0% |
| NEWREZ LLC | 5 | $1.8M | $359K | 20.0% |
| DIRECTORS MORTGAGE, INC. | 5 | $1.6M | $317K | 40.0% |
| Rocket Mortgage, LLC | 5 | $1.2M | $249K | 0.0% |
| Columbia Bank | 4 | $1.1M | $263K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | $1.6M | $535K | 33.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | $1.5M | $492K | 0.0% |
| Citizens Bank, National Association | 3 | $1.4M | $462K | 100.0% |
| Hometown Equity Mortgage, LLC | 3 | $1.1M | $378K | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | $1.0M | $338K | 33.3% |
| GO MORTGAGE, LLC | 3 | $0.9M | $288K | 66.7% |
| PENNYMAC LOAN SERVICES, LLC | 3 | $0.8M | $272K | 0.0% |
| Tomo Mortgage, LLC | 2 | $0.7M | $370K | 100.0% |
| Commerce Home Mortgage, Inc. | 2 | $0.7M | $365K | 50.0% |
| RESICENTRAL, LLC | 2 | $0.7M | $360K | 100.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | $0.6M | $295K | 50.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 2 | $0.5M | $265K | 50.0% |
| CHAMPIONS FUNDING, LLC | 2 | $0.5M | $265K | 0.0% |
| Citadel Servicing Corporation | 2 | $0.5M | $240K | 50.0% |
| UNION HOME MORTGAGE CORP. | 2 | $0.4M | $220K | 100.0% |
| GUARANTEED RATE, INC. | 1 | $0.6M | $585K | 0.0% |
130 Oregon loans (2.7%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Benton County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Benton County CSV, all 25 lenders
What Benton County's table can't show you: fit. Short-term financing is exempt from HMDA, so Benton County's fix-and-flip and bridge lenders barely appear among its 52 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 Benton County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Benton County |
|---|---|---|---|
| Linn County, OR | 134 | 59 | Borders Benton County |
| Lincoln County, OR | 106 | 55 | Borders Benton County |
| Lane County, OR | 387 | 109 | Borders Benton County |
| Marion County, OR | 355 | 102 | About 50 miles away |
Run the coverage test on your Benton County, Oregon deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Benton County, Oregon 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 — Benton County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 52 lenders and 114 loans: 2025 HMDA loan-level data rolled up to Benton County.
- Benton County investor-lender dataset (CSV) — All 25 lenders in the Benton County, Oregon table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Benton 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 Corvallis, OR MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Benton 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.