DSCR Loans in Bristol County, Massachusetts
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, 155 lenders made 693 investment-property loans in Bristol County, 7.0% of Massachusetts's total. Dominick Prevete arranges DSCR loans across Bristol 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 $340,000.
Bristol County investor market at a glance
| Statistic | Bristol County | Massachusetts | County rank |
|---|---|---|---|
| Investor loans | 693 | 9,959 | 6th of 11 |
| Reporting lenders | 155 | 432 | 6th of 11 |
| Loan volume | $276.6M | $6.16B | 8th of 11 |
| Average loan | $399K | $618K | 7th of 11 |
| Median loan | $405K | $465K | 7th of 11 |
| Purchases | 55.6% | 60.2% | 10th of 11 |
| Cash-out refinances | 26.3% | 18.6% | 1st of 11 |
| 2–4 unit properties | 60.9% | 46.4% | 1st of 11 |
| Top five lenders' share | 23.4% | 17.2% | 5th of 11 |
| Reported business-purpose | 80.1% | 73.3% | 1st of 11 |
Bristol County: closed-end loans on 1–4 unit investment properties. Bristol County's rank is highest first, among Massachusetts's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Bristol County's investor loans.
What stands out in Bristol County
26.3% of Bristol County's investor loans were cash-out refinances, the highest share of Massachusetts's 11 counties with published data (statewide: 18.6%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
By share of investor loans reported as business-purpose, Bristol County ranks highest of Massachusetts's 11 counties with published data (statewide: 73.3%).
80.1% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
60.9% of Bristol County's investor loans financed a 2–4 unit property, the highest share of Massachusetts's 11 counties with published data (statewide: 46.4%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
Does a DSCR loan pencil in Bristol County?
At HUD's fair market rent of $2,302 for a 3-bedroom in Bristol County, Massachusetts, a rental covers its full DSCR payment up to a purchase price of about $340,000, with 20% down at the 7.25% starting rate (November 2026). Bristol County's median home value is $451,200; at that price the payment is $3,051 a month, so the property would need $3,075 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) | $1,879 / $2,302 / $2,615 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $451,200 |
| Median property taxes and effective rate | $4,807 (1.07% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,051 |
| Rent needed to cover that payment | $3,075 |
| Coverage of a 3-bedroom at fair market rent | 0.75 |
| Highest price a 3-bedroom at fair market rent covers | about $340,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $555,000 |
| HUD area | Providence-Fall River, RI-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 Bristol County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Bristol County?
The most active investment-property lenders in Bristol County in 2025 HMDA data were RF RENOVO MANAGEMENT COMPANY, LLC; BAYCOAST MORTGAGE COMPANY, LLC; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 155 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 Bristol County, and matches each file to the one most likely to fund it.
Bristol County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 693 loans and $276.6M from 155 lenders. RF RENOVO MANAGEMENT COMPANY, LLC led Bristol County with 53 loans, 7.6% of the county's total, and the average Bristol County loan of $399K compares with $618K across Massachusetts.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| RF RENOVO MANAGEMENT COMPANY, LLC | 53 | $22.7M | $429K | 83.0% |
| BAYCOAST MORTGAGE COMPANY, LLC | 32 | $11.9M | $373K | 50.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 29 | $11.3M | $391K | 41.4% |
| Fall River Five Cents Savings Bank | 27 | $9.4M | $348K | 63.0% |
| Rockland Trust Company | 21 | $8.1M | $384K | 81.0% |
| Loan Funder LLC | 17 | $7.7M | $451K | 82.4% |
| Hometown Equity Mortgage, LLC | 17 | $5.7M | $338K | 29.4% |
| NFM, INC. | 16 | $7.6M | $474K | 68.8% |
| HOMEXPRESS MORTGAGE CORP. | 16 | $7.0M | $435K | 31.2% |
| Rocket Mortgage, LLC | 16 | $4.6M | $286K | 25.0% |
| CMG MORTGAGE, INC. | 15 | $6.8M | $452K | 73.3% |
| NEWREZ LLC | 15 | $6.6M | $439K | 80.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 12 | $5.1M | $426K | 58.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 12 | $4.9M | $411K | 58.3% |
| PENNYMAC LOAN SERVICES, LLC | 12 | $4.6M | $386K | 25.0% |
| DOMINION FINANCIAL SERVICES, LLC | 12 | $3.7M | $309K | 16.7% |
| Kiavi Funding, Inc. | 11 | $4.8M | $436K | 72.7% |
| ARC HOME LLC | 11 | $4.6M | $420K | 63.6% |
| GUILD MORTGAGE COMPANY | 11 | $3.0M | $270K | 45.5% |
| LENDSURE MORTGAGE CORP. | 9 | $4.3M | $477K | 77.8% |
| TAUNTON FEDERAL CREDIT UNION | 9 | $4.2M | $472K | 22.2% |
| OCMBC, INC. | 9 | $3.6M | $396K | 44.4% |
| BayCoast Bank | 9 | $1.8M | $196K | 44.4% |
| Loandepot.Com, LLC | 8 | $3.6M | $450K | 25.0% |
| Bristol County Savings Bank | 8 | $3.4M | $421K | 37.5% |
211 Massachusetts loans (2.1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Bristol County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Bristol County CSV, all 25 lenders
What Bristol County's table can't show you: fit. Short-term financing is exempt from HMDA, so Bristol County's fix-and-flip and bridge lenders barely appear among its 155 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 Bristol County, Massachusetts deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Bristol 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 — Bristol County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 155 lenders and 693 loans: 2025 HMDA loan-level data rolled up to Bristol County.
- Bristol County investor-lender dataset (CSV) — All 25 lenders in the Bristol County, Massachusetts table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Bristol 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 Providence-Fall River, RI-MA HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Bristol 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.