DSCR Loans in Bonneville County, Idaho
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 53 lenders made 171 investment-property loans in Bonneville County, 5.6% of Idaho's total. Dominick Prevete arranges DSCR loans across Bonneville County, Idaho, 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 $280,000.
Bonneville County investor market at a glance
| Statistic | Bonneville County | Idaho | County rank |
|---|---|---|---|
| Investor loans | 171 | 3,049 | 4th of 6 |
| Reporting lenders | 53 | 259 | 4th of 6 |
| Loan volume | $49.1M | $1.04B | 4th of 6 |
| Average loan | $287K | $342K | 4th of 6 |
| Median loan | $255K | $295K | 4th of 6 |
| Purchases | 70.2% | 66.7% | 3rd of 6 |
| Cash-out refinances | 14.6% | 16.5% | 4th of 6 |
| 2–4 unit properties | 21.6% | 14.2% | 2nd of 6 |
| Top five lenders' share | 38.0% | 24.2% | 2nd of 6 |
| Reported business-purpose | 50.3% | 55.4% | 6th of 6 |
Bonneville County: closed-end loans on 1–4 unit investment properties. Bonneville County's rank is highest first, among Idaho's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Bonneville County's investor loans.
What stands out in Bonneville County
50.3% of Bonneville County's investor loans were reported as business-purpose, the lowest share of Idaho's 6 counties with published data (statewide: 55.4%).
Fewer investor loans here were reported as business-purpose than in most of Idaho. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
Bonneville County's 171 investor loans ranked 4th of Idaho's 6 counties with published data.
Does a DSCR loan pencil in Bonneville County?
At HUD's fair market rent of $1,764 for a 3-bedroom in Bonneville County, Idaho, a rental covers its full DSCR payment up to a purchase price of about $280,000, with 20% down at the 7.25% starting rate (November 2026). Bonneville County's median home value is $368,800; at that price the payment is $2,321 a month, so the property would need $2,325 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) | $1,274 / $1,764 / $2,129 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $368,800 |
| Median property taxes and effective rate | $1,858 (0.50% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,321 |
| Rent needed to cover that payment | $2,325 |
| Coverage of a 3-bedroom at fair market rent | 0.76 |
| Highest price a 3-bedroom at fair market rent covers | about $280,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $400,000 |
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 Bonneville County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Bonneville County?
The most active investment-property lenders in Bonneville County in 2025 HMDA data were IDAHO CENTRAL CREDIT UNION, United Wholesale Mortgage and Eagle Bank and Trust Company, out of 53 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.
Bonneville County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 171 loans and $49.1M from 53 lenders. IDAHO CENTRAL CREDIT UNION led Bonneville County with 17 loans, 9.9% of the county's total, and the average Bonneville County loan of $287K compares with $342K across Idaho.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| IDAHO CENTRAL CREDIT UNION | 17 | $5.0M | $292K | 64.7% |
| United Wholesale Mortgage | 16 | $4.6M | $285K | 56.2% |
| Eagle Bank and Trust Company | 11 | $2.7M | $243K | 72.7% |
| BELEM SERVICING LLC | 11 | $2.6M | $238K | 63.6% |
| Glacier Bank | 10 | $4.2M | $422K | 90.0% |
| The Bank of Commerce | 9 | $3.6M | $405K | 77.8% |
| THE LOAN STORE, INC. | 8 | $2.5M | $313K | 87.5% |
| D. L. EVANS BANK | 7 | $2.0M | $292K | 85.7% |
| Wells Fargo Bank, National Association | 5 | $1.4M | $287K | 100.0% |
| Synergy One Lending, Inc. | 5 | $1.3M | $257K | 80.0% |
| EAST IDAHO Credit Union | 5 | $1.1M | $227K | 80.0% |
| Rocket Mortgage, LLC | 5 | $0.9M | $173K | 20.0% |
| KIND LENDING, LLC | 4 | $1.4M | $338K | 50.0% |
| Mountain America Federal Credit Union | 4 | $1.1M | $278K | 100.0% |
| AMERITRUST MORTGAGE CORPORATION | 3 | $0.9M | $288K | 0.0% |
| ENVOY MORTGAGE, LTD | 3 | $0.8M | $272K | 100.0% |
| KeyBank National Association | 3 | $0.4M | $125K | 100.0% |
| BEEHIVE | 3 | $0.4M | $122K | 0.0% |
| Loandepot.Com, LLC | 2 | $0.8M | $420K | 100.0% |
| CANOPY MORTGAGE, LLC | 2 | $0.7M | $360K | 100.0% |
| Cache Valley Bank | 2 | $0.6M | $285K | 100.0% |
| Tomo Mortgage, LLC | 2 | $0.5M | $270K | 100.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | $0.5M | $240K | 100.0% |
| Hometown Equity Mortgage, LLC | 2 | $0.4M | $220K | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | $0.3M | $170K | 0.0% |
7 Idaho loans (0.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Bonneville County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Bonneville County CSV, all 25 lenders
What Bonneville County's table can't show you: fit. Short-term financing is exempt from HMDA, so Bonneville County's fix-and-flip and bridge lenders barely appear among its 53 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 →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 Bonneville County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Bonneville County |
|---|---|---|---|
| Bannock County, ID | 148 | 46 | About 55 miles away |
| Cache County, UT | 158 | 43 | About 115 miles away |
| Weber County, UT | 325 | 83 | About 145 miles away |
| Gallatin County, MT | 237 | 71 | About 150 miles away |
| Ada County, ID | 1,033 | 161 | About 230 miles away |
| Yellowstone County, MT | 266 | 47 | About 240 miles away |
Run the coverage test on your Bonneville County, Idaho deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Bonneville County, Idaho 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 — Bonneville County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 53 lenders and 171 loans: 2025 HMDA loan-level data rolled up to Bonneville County.
- Bonneville County investor-lender dataset (CSV) — All 25 lenders in the Bonneville County, Idaho table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Bonneville 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 Idaho Falls, ID HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Bonneville 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.