DSCR Loans in Benton County, Washington
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 70 lenders made 250 investment-property loans in Benton County, 2.5% of Washington's total. Dominick Prevete arranges DSCR loans across Benton County, Washington, 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 $310,000.
Benton County investor market at a glance
| Statistic | Benton County | Washington | County rank |
|---|---|---|---|
| Investor loans | 250 | 9,950 | 9th of 17 |
| Reporting lenders | 70 | 382 | 9th of 17 |
| Loan volume | $85.3M | $4.66B | 9th of 17 |
| Average loan | $341K | $468K | 13th of 17 |
| Median loan | $295K | $395K | 12th of 17 |
| Purchases | 55.2% | 53.8% | 9th of 17 |
| Cash-out refinances | 25.6% | 18.8% | 3rd of 17 |
| 2–4 unit properties | 24.8% | 13.9% | 4th of 17 |
| Top five lenders' share | 33.2% | 20.1% | 7th of 17 |
| Reported business-purpose | 75.6% | 74.8% | 7th of 17 |
Benton County: closed-end loans on 1–4 unit investment properties. Benton County's rank is highest first, among Washington'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
25.6% of Benton County's investor loans were cash-out refinances, the 3rd-highest share of Washington's 17 counties with published data (statewide: 18.8%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
24.8% of Benton County's investor loans financed a 2–4 unit property, the 4th-highest share of Washington's 17 counties with published data (statewide: 13.9%).
2–4 unit properties are a larger share here than in most of Washington. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
Does a DSCR loan pencil in Benton County?
At HUD's fair market rent of $2,051 for a 3-bedroom in Benton County, Washington, a rental covers its full DSCR payment up to a purchase price of about $310,000, with 20% down at the 7.25% starting rate (November 2026). Benton County's median home value is $407,800; at that price the payment is $2,659 a month, so the property would need $2,675 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) | $1,487 / $2,051 / $2,341 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $407,800 |
| Median property taxes and effective rate | $3,163 (0.78% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,659 |
| Rent needed to cover that payment | $2,675 |
| Coverage of a 3-bedroom at fair market rent | 0.77 |
| Highest price a 3-bedroom at fair market rent covers | about $310,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $455,000 |
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 UNITED SHORE FINANCIAL SERVICES, LLC; Yakima Federal Savings and Loan Association; and LIMA ONE CAPITAL, LLC, out of 70 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 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: 250 loans and $85.3M from 70 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Benton County with 20 loans, 8.0% of the county's total, and the average Benton County loan of $341K compares with $468K across Washington.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 20 | $5.7M | $286K | 40.0% |
| Yakima Federal Savings and Loan Association | 19 | $8.4M | $442K | 94.7% |
| LIMA ONE CAPITAL, LLC | 15 | $10.4M | $690K | 26.7% |
| CMG MORTGAGE, INC. | 15 | $4.4M | $294K | 80.0% |
| 1st Security Bank of Washington | 14 | $4.1M | $295K | 85.7% |
| GESA | 12 | $3.8M | $316K | 66.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 10 | $3.1M | $307K | 40.0% |
| Hometown Equity Mortgage, LLC | 7 | $2.4M | $349K | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 7 | $2.2M | $315K | 57.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 7 | $1.9M | $268K | 85.7% |
| Banner Bank | 7 | $1.3M | $192K | 42.9% |
| Community First Bank | 6 | $1.9M | $317K | 100.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 6 | $1.8M | $300K | 83.3% |
| Rocket Mortgage, LLC | 6 | $1.5M | $252K | 33.3% |
| Cornerstone First Mortgage, Inc | 5 | $1.7M | $337K | 40.0% |
| HAPO COMMUNITY CREDIT UNION | 5 | $0.8M | $167K | 60.0% |
| AMERITRUST MORTGAGE CORPORATION | 4 | $2.0M | $498K | 75.0% |
| LENDSURE MORTGAGE CORP. | 4 | $1.2M | $310K | 25.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 3 | $1.3M | $422K | 100.0% |
| Broker Solutions, Inc. | 3 | $1.1M | $362K | 66.7% |
| MOVEMENT MORTGAGE, LLC | 3 | $0.9M | $315K | 33.3% |
| DHI MORTGAGE COMPANY, LTD. | 3 | $0.9M | $292K | 100.0% |
| GUILD MORTGAGE COMPANY | 3 | $0.9M | $288K | 33.3% |
| Sierra Pacific Mortgage Company, Inc. | 3 | $0.8M | $252K | 33.3% |
| NUMERICA CREDIT UNION | 2 | $0.9M | $455K | 50.0% |
505 Washington loans (5.1%) 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 October 31, 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 70 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 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 Benton County, Washington deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Benton County, Washington 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 70 lenders and 250 loans: 2025 HMDA loan-level data rolled up to Benton County.
- Benton County investor-lender dataset (CSV) — All 25 lenders in the Benton County, Washington 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 Kennewick-Richland, WA 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.