DSCR Loans in Berkshire County, Massachusetts
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 79 lenders made 218 investment-property loans in Berkshire County, 2.2% of Massachusetts's total. Dominick Prevete arranges DSCR loans across Berkshire County, Massachusetts, 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 $315,000.
Berkshire County investor market at a glance
| Statistic | Berkshire County | Massachusetts | County rank |
|---|---|---|---|
| Investor loans | 218 | 9,959 | 10th of 11 |
| Reporting lenders | 79 | 432 | 10th of 11 |
| Loan volume | $53.4M | $6.16B | 10th of 11 |
| Average loan | $245K | $618K | 11th of 11 |
| Median loan | $215K | $465K | 11th of 11 |
| Purchases | 63.8% | 60.2% | 4th of 11 |
| Cash-out refinances | 12.8% | 18.6% | 10th of 11 |
| 2–4 unit properties | 54.1% | 46.4% | 6th of 11 |
| Top five lenders' share | 41.3% | 17.2% | 2nd of 11 |
| Reported business-purpose | 72.9% | 73.3% | 8th of 11 |
Berkshire County: closed-end loans on 1–4 unit investment properties. Berkshire County's rank is highest first, among Massachusetts's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Berkshire County's investor loans.
What stands out in Berkshire County
The average investor loan in Berkshire County was $245K, the lowest average of Massachusetts's 11 counties with published data (statewide: $618K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
12.8% of Berkshire County's investor loans were cash-out refinances, the 2nd-lowest share of Massachusetts's 11 counties with published data (statewide: 18.6%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
The five most active lenders wrote 41.3% of Berkshire County's investor loans, the 2nd-highest share of Massachusetts's 11 counties with published data (statewide: 17.2%).
Five lenders write 41.3% of the loans here, so comparing written term sheets matters more.
Does a DSCR loan pencil in Berkshire County?
At HUD's fair market rent of $2,231 for a 3-bedroom in Berkshire County, Massachusetts, a rental covers its full DSCR payment up to a purchase price of about $315,000, with 20% down at the 7.25% starting rate (November 2026). Berkshire County's median home value is $305,400; at that price the payment is $2,130 a month, so the property would need $2,150 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) | $1,704 / $2,231 / $2,848 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $305,400 |
| Median property taxes and effective rate | $4,036 (1.32% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,130 |
| Rent needed to cover that payment | $2,150 |
| Coverage of a 3-bedroom at fair market rent | 1.05 |
| Highest price a 3-bedroom at fair market rent covers | about $315,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $485,000 |
| HUD area | Pittsfield, MA HUD Metro FMR Area |
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 Berkshire County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Berkshire County?
The most active investment-property lenders in Berkshire County in 2025 HMDA data were GREYLOCK FEDERAL CREDIT UNION; Lee Bank; and Kiavi Funding, Inc., out of 79 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 Berkshire County, and matches each file to the one most likely to fund it.
Berkshire County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 218 loans and $53.4M from 79 lenders. GREYLOCK FEDERAL CREDIT UNION led Berkshire County with 25 loans, 11.5% of the county's total, and the average Berkshire County loan of $245K compares with $618K across Massachusetts.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| GREYLOCK FEDERAL CREDIT UNION | 25 | $4.1M | $164K | 56.0% |
| Lee Bank | 21 | $5.6M | $266K | 71.4% |
| Kiavi Funding, Inc. | 20 | $3.7M | $187K | 65.0% |
| The Pittsfield Co-operative Bank | 15 | $4.0M | $264K | 66.7% |
| Adams Community Bank | 9 | $1.9M | $207K | 88.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 7 | $1.7M | $239K | 28.6% |
| OCMBC, INC. | 7 | $1.3M | $189K | 71.4% |
| Greenfield Savings Bank | 6 | $1.5M | $253K | 83.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 6 | $1.3M | $213K | 50.0% |
| Community Bank, National Association | 4 | $1.0M | $248K | 75.0% |
| GUILD MORTGAGE COMPANY | 4 | $0.8M | $210K | 75.0% |
| ABL RPC Residential Credit Acquisition LLC | 4 | $0.8M | $200K | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 3 | $0.8M | $275K | 66.7% |
| HOMEXPRESS MORTGAGE CORP. | 3 | $0.8M | $258K | 33.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | $0.6M | $188K | 0.0% |
| CMG MORTGAGE, INC. | 3 | $0.6M | $185K | 66.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | $0.5M | $155K | 0.0% |
| Citadel Servicing Corporation | 2 | $1.5M | $770K | 50.0% |
| CV3 FINANCIAL SERVICES, LLC | 2 | $1.4M | $705K | 50.0% |
| TD Bank, National Association | 2 | $0.8M | $410K | 100.0% |
| Broker Solutions, Inc. | 2 | $0.7M | $350K | 100.0% |
| JPMorgan Chase Bank, National Association | 2 | $0.7M | $335K | 100.0% |
| SALEM FIVE MORTGAGE COMPANY, LLC | 2 | $0.6M | $300K | 100.0% |
| Charles Schwab Bank, SSB | 2 | $0.6M | $285K | 100.0% |
| LIMA ONE CAPITAL, LLC | 2 | $0.6M | $280K | 50.0% |
211 Massachusetts loans (2.1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Berkshire County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Berkshire County CSV, all 25 lenders
What Berkshire County's table can't show you: fit. Short-term financing is exempt from HMDA, so Berkshire County's fix-and-flip and bridge lenders barely appear among its 79 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 Berkshire County, Massachusetts deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Berkshire County, Massachusetts 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 — Berkshire County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 79 lenders and 218 loans: 2025 HMDA loan-level data rolled up to Berkshire County.
- Berkshire County investor-lender dataset (CSV) — All 25 lenders in the Berkshire County, Massachusetts table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Berkshire 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 Pittsfield, MA HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Berkshire 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.