DSCR Loans in Boyd County, Kentucky
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, 26 lenders made 102 investment-property loans in Boyd County, 1.3% of Kentucky's total. Dominick Prevete arranges DSCR loans across Boyd County, Kentucky, 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 $190,000.
Boyd County investor market at a glance
| Statistic | Boyd County | Kentucky | County rank |
|---|---|---|---|
| Investor loans | 102 | 7,902 | 14th of 14 |
| Reporting lenders | 26 | 369 | 14th of 14 |
| Loan volume | $11.0M | $1.53B | 14th of 14 |
| Average loan | $108K | $193K | 14th of 14 |
| Median loan | $85K | $155K | 14th of 14 |
| Purchases | 58.8% | 58.5% | 9th of 14 |
| Cash-out refinances | 7.8% | 12.4% | 11th of 14 |
| 2–4 unit properties | 29.4% | 19.3% | 4th of 14 |
| Top five lenders' share | 61.8% | 15.4% | 5th of 14 |
| Reported business-purpose | 51.0% | 60.6% | 10th of 14 |
Boyd County: closed-end loans on 1–4 unit investment properties. Boyd County's rank is highest first, among Kentucky's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Boyd County's investor loans.
What stands out in Boyd County
The median investor loan in Boyd County was $85K, the lowest median of Kentucky's 14 counties with published data (statewide: $155K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Boyd County's 102 investor loans ranked 14th of Kentucky's 14 counties with published data.
Does a DSCR loan pencil in Boyd County?
At HUD's fair market rent of $1,287 for a 3-bedroom in Boyd County, Kentucky, a rental covers its full DSCR payment up to a purchase price of about $190,000, with 20% down at the 7.25% starting rate (November 2026). Boyd County's median home value is $130,700; at that price the payment is $864 a month, so the property would need $875 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) | $1,006 / $1,287 / $1,393 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $130,700 |
| Median property taxes and effective rate | $1,156 (0.88% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $864 |
| Rent needed to cover that payment | $875 |
| Coverage of a 3-bedroom at fair market rent | 1.49 |
| Highest price a 3-bedroom at fair market rent covers | about $190,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $300,000 |
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 Boyd County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Boyd County?
The most active investment-property lenders in Boyd County in 2025 HMDA data were MEMBERS CHOICE; The Commercial Bank of Grayson; and Community Trust Bank, Inc., out of 26 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 Boyd County, and matches each file to the one most likely to fund it.
Boyd County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 102 loans and $11.0M from 26 lenders. MEMBERS CHOICE led Boyd County with 16 loans, 15.7% of the county's total, and the average Boyd County loan of $108K compares with $193K across Kentucky.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| MEMBERS CHOICE | 16 | $2.2M | $136K | 43.8% |
| The Commercial Bank of Grayson | 16 | $1.1M | $68K | 50.0% |
| Community Trust Bank, Inc. | 15 | $1.5M | $99K | 73.3% |
| DESCO | 10 | $1.1M | $114K | 40.0% |
| Loan Funder LLC | 6 | $0.9M | $155K | 50.0% |
| Kiavi Funding, Inc. | 4 | $0.7M | $168K | 100.0% |
| Kentucky Farmers Bank Corporation | 4 | $0.6M | $143K | 50.0% |
| City National Bank of West Virginia | 4 | $0.2M | $58K | 25.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | $0.6M | $195K | 100.0% |
| CITIZENS BANK OF KENTUCKY, INC. | 3 | $0.2M | $75K | 66.7% |
| LIMA ONE CAPITAL, LLC | 2 | $0.2M | $120K | 0.0% |
| The Ohio Valley Bank Company | 2 | $0.2M | $115K | 100.0% |
| United Wholesale Mortgage | 2 | $0.2M | $90K | 50.0% |
| Peoples Bank | 2 | $0.1M | $45K | 50.0% |
| First Grayson Bancorp, Inc. | 2 | $0.1M | $40K | 100.0% |
| Central Bank & Trust Company | 1 | $0.1M | $145K | 100.0% |
| Rocket Mortgage, LLC | 1 | $0.1M | $145K | 0.0% |
| PNC Bank, National Association | 1 | $0.1M | $135K | 100.0% |
| Click n' Close, Inc. | 1 | $0.1M | $115K | 100.0% |
| Northpointe Bank | 1 | $0.1M | $115K | 0.0% |
| CV3 Financial Services, LLC | 1 | $0.1M | $85K | 100.0% |
| MOVEMENT MORTGAGE, LLC | 1 | $0.1M | $85K | 100.0% |
| U.S. Bank National Association | 1 | $0.1M | $85K | 100.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | $0.1M | $75K | 100.0% |
| BPL MORTGAGE TRUST, LLC | 1 | $0.1M | $65K | 100.0% |
117 Kentucky loans (1.5%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Boyd County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Boyd County CSV, all 25 lenders
What Boyd County's table can't show you: fit. Short-term financing is exempt from HMDA, so Boyd County's fix-and-flip and bridge lenders barely appear among its 26 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 Boyd County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Boyd County |
|---|---|---|---|
| Cabell County, WV | 140 | 36 | About 25 miles away |
| Kanawha County, WV | 153 | 56 | About 65 miles away |
| Raleigh County, WV | 100 | 29 | About 85 miles away |
| Clermont County, OH | 195 | 72 | About 90 miles away |
Run the coverage test on your Boyd County, Kentucky deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Boyd County, Kentucky 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 — Boyd County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 26 lenders and 102 loans: 2025 HMDA loan-level data rolled up to Boyd County.
- Boyd County investor-lender dataset (CSV) — All 25 lenders in the Boyd County, Kentucky table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Boyd 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 Huntington-Ashland, WV-KY-OH HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Boyd 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.