DSCR Loans in Berks 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, 128 lenders made 863 investment-property loans in Berks County, 3.6% of Pennsylvania's total. Dominick Prevete arranges DSCR loans across Berks 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 $240,000.
Berks County investor market at a glance
| Statistic | Berks County | Pennsylvania | County rank |
|---|---|---|---|
| Investor loans | 863 | 24,181 | 7th of 35 |
| Reporting lenders | 128 | 587 | 10th of 35 |
| Loan volume | $153.3M | $5.10B | 11th of 35 |
| Average loan | $178K | $211K | 21st of 35 |
| Median loan | $155K | $175K | 19th of 35 |
| Purchases | 59.2% | 55.3% | 20th of 35 |
| Cash-out refinances | 23.3% | 21.3% | 7th of 35 |
| 2–4 unit properties | 25.3% | 26.5% | 20th of 35 |
| Top five lenders' share | 42.4% | 20.4% | 12th of 35 |
| Reported business-purpose | 82.2% | 77.2% | 6th of 35 |
Berks County: closed-end loans on 1–4 unit investment properties. Berks County's rank is highest first, among Pennsylvania's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Berks County's investor loans.
What stands out in Berks County
By share of investor loans reported as business-purpose, Berks County ranks 6th-highest of Pennsylvania's 35 counties with published data (statewide: 77.2%).
82.2% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
23.3% of Berks County's investor loans were cash-out refinances, the 7th-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 Berks County?
At HUD's fair market rent of $1,744 for a 3-bedroom in Berks County, Pennsylvania, a rental covers its full DSCR payment up to a purchase price of about $240,000, with 20% down at the 7.25% starting rate (November 2026). Berks County's median home value is $257,300; at that price the payment is $1,865 a month, so the property would need $1,875 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) | $1,418 / $1,744 / $1,877 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $257,300 |
| Median property taxes and effective rate | $4,239 (1.65% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,865 |
| Rent needed to cover that payment | $1,875 |
| Coverage of a 3-bedroom at fair market rent | 0.94 |
| Highest price a 3-bedroom at fair market rent covers | about $240,000 |
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 Berks County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Berks County?
The most active investment-property lenders in Berks County in 2025 HMDA data were CV3 FINANCIAL SERVICES, LLC; RF RENOVO MANAGEMENT COMPANY, LLC; and BPL MORTGAGE TRUST, LLC, out of 128 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 Berks County, and matches each file to the one most likely to fund it.
Berks County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 863 loans and $153.3M from 128 lenders. CV3 FINANCIAL SERVICES, LLC led Berks County with 126 loans, 14.6% of the county's total, and the average Berks County loan of $178K compares with $211K across Pennsylvania.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| CV3 FINANCIAL SERVICES, LLC | 126 | $20.1M | $160K | 90.5% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 69 | $11.4M | $165K | 43.5% |
| BPL MORTGAGE TRUST, LLC | 64 | $10.6M | $165K | 15.6% |
| Kiavi Funding, Inc. | 58 | $9.4M | $162K | 48.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 49 | $8.0M | $163K | 63.3% |
| Diamond Credit Union | 26 | $4.2M | $163K | 26.9% |
| CMG MORTGAGE, INC. | 23 | $4.9M | $212K | 82.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 20 | $3.4M | $171K | 90.0% |
| Tompkins Community Bank | 18 | $3.6M | $201K | 50.0% |
| Mortgage America, Inc. | 17 | $2.5M | $145K | 82.4% |
| Rocket Mortgage, LLC | 15 | $2.3M | $152K | 53.3% |
| CONTOUR MORTGAGE CORPORATION | 13 | $2.6M | $203K | 53.8% |
| The Victory Bank | 13 | $2.4M | $187K | 92.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 13 | $2.4M | $186K | 23.1% |
| GUARANTEED RATE, INC. | 13 | $2.3M | $179K | 92.3% |
| Fleetwood Bank | 13 | $2.2M | $172K | 53.8% |
| RIVERFRONT FEDERAL CREDIT UNION | 11 | $1.5M | $133K | 36.4% |
| Fulton Bank, National Association | 10 | $2.9M | $288K | 80.0% |
| THE LOAN STORE, INC. | 10 | $1.8M | $184K | 60.0% |
| First National Bank of Pennsylvania | 10 | $1.8M | $183K | 60.0% |
| Univest Bank and Trust Co. | 9 | $2.0M | $224K | 100.0% |
| Citadel Servicing Corporation | 9 | $1.3M | $146K | 11.1% |
| OCMBC, INC. | 8 | $1.2M | $150K | 62.5% |
| Customers Bank | 8 | $1.2M | $148K | 87.5% |
| The Ephrata National Bank | 7 | $1.5M | $215K | 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 Berks County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Berks County CSV, all 25 lenders
What Berks County's table can't show you: fit. Short-term financing is exempt from HMDA, so Berks County's fix-and-flip and bridge lenders barely appear among its 128 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 Berks County, Pennsylvania deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Berks 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 — Berks County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 128 lenders and 863 loans: 2025 HMDA loan-level data rolled up to Berks County.
- Berks County investor-lender dataset (CSV) — All 25 lenders in the Berks County, Pennsylvania table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Berks 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 Reading, PA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Berks 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.