DSCR Loans in Buchanan County, Missouri
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 49 lenders made 197 investment-property loans in Buchanan County, 1.3% of Missouri's total. Dominick Prevete arranges DSCR loans across Buchanan County, Missouri, 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 $215,000.
Buchanan County investor market at a glance
| Statistic | Buchanan County | Missouri | County rank |
|---|---|---|---|
| Investor loans | 197 | 15,393 | 14th of 22 |
| Reporting lenders | 49 | 534 | 16th of 22 |
| Loan volume | $22.9M | $2.82B | 20th of 22 |
| Average loan | $116K | $183K | 22nd of 22 |
| Median loan | $105K | $145K | 22nd of 22 |
| Purchases | 53.3% | 61.2% | 22nd of 22 |
| Cash-out refinances | 15.2% | 12.1% | 7th of 22 |
| 2–4 unit properties | 28.9% | 19.1% | 6th of 22 |
| Top five lenders' share | 56.3% | 18.3% | 7th of 22 |
| Reported business-purpose | 50.8% | 63.6% | 18th of 22 |
Buchanan County: closed-end loans on 1–4 unit investment properties. Buchanan County's rank is highest first, among Missouri's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Buchanan County's investor loans.
What stands out in Buchanan County
The average investor loan in Buchanan County was $116K, the lowest average of Missouri's 22 counties with published data (statewide: $183K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
53.3% of Buchanan County's investor loans were purchases, the lowest share of Missouri's 22 counties with published data (statewide: 61.2%).
Refinances are a larger share here than in most of Missouri. A DSCR refinance qualifies on the property's current rent.
50.8% of Buchanan County's investor loans were reported as business-purpose, the 5th-lowest share of Missouri's 22 counties with published data (statewide: 63.6%).
Fewer investor loans here were reported as business-purpose than in most of Missouri. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
Does a DSCR loan pencil in Buchanan County?
At HUD's fair market rent of $1,406 for a 3-bedroom in Buchanan County, Missouri, a rental covers its full DSCR payment up to a purchase price of about $215,000, with 20% down at the 7.25% starting rate (November 2026). Buchanan County's median home value is $166,300; at that price the payment is $1,084 a month, so the property would need $1,100 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) | $1,101 / $1,406 / $1,629 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $166,300 |
| Median property taxes and effective rate | $1,281 (0.77% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,084 |
| Rent needed to cover that payment | $1,100 |
| Coverage of a 3-bedroom at fair market rent | 1.30 |
| Highest price a 3-bedroom at fair market rent covers | about $215,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $335,000 |
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 Buchanan County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Buchanan County?
The most active investment-property lenders in Buchanan County in 2025 HMDA data were The Nodaway Valley Bank; HNB National Bank; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 49 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 Buchanan County, and matches each file to the one most likely to fund it.
Buchanan County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 197 loans and $22.9M from 49 lenders. The Nodaway Valley Bank led Buchanan County with 63 loans, 32.0% of the county's total, and the average Buchanan County loan of $116K compares with $183K across Missouri.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| The Nodaway Valley Bank | 63 | $6.3M | $100K | 50.8% |
| HNB National Bank | 21 | $2.4M | $114K | 66.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 11 | $1.3M | $117K | 36.4% |
| AMERICAN HERITAGE LENDING, LLC | 10 | $1.1M | $106K | 0.0% |
| Loan Funder LLC | 6 | $0.8M | $135K | 0.0% |
| Kiavi Funding, Inc. | 6 | $0.7M | $122K | 66.7% |
| Southern Bank | 5 | $1.4M | $279K | 80.0% |
| Farmers State Bank | 5 | $0.5M | $99K | 40.0% |
| The Union State Bank of Everest | 4 | $0.7M | $173K | 50.0% |
| BPL MORTGAGE TRUST, LLC | 4 | $0.5M | $118K | 25.0% |
| Rocket Mortgage, LLC | 4 | $0.5M | $118K | 0.0% |
| Equity Bank | 4 | $0.4M | $100K | 50.0% |
| FIRST OPTION BANK | 4 | $0.4M | $93K | 25.0% |
| U.S. Bank National Association | 4 | $0.3M | $73K | 75.0% |
| Commerce Bank | 3 | $0.4M | $145K | 100.0% |
| COMMUNITYAMERICA CREDIT UNION | 3 | $0.4M | $142K | 100.0% |
| LEADERONE FINANCIAL CORPORATION | 3 | $0.3M | $115K | 100.0% |
| Connections Bank | 2 | $0.4M | $180K | 50.0% |
| BTC BANK | 2 | $0.3M | $125K | 100.0% |
| CV3 FINANCIAL SERVICES, LLC | 2 | $0.2M | $120K | 100.0% |
| THE LOAN STORE, INC. | 2 | $0.2M | $105K | 100.0% |
| Academy Bank, National Association | 2 | $0.1M | $65K | 100.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | $0.3M | $305K | 100.0% |
| United Bank & Trust | 1 | $0.2M | $235K | 100.0% |
| Flanagan State Bank | 1 | $0.2M | $225K | 0.0% |
561 Missouri loans (3.6%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Buchanan County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Buchanan County CSV, all 25 lenders
What Buchanan County's table can't show you: fit. Short-term financing is exempt from HMDA, so Buchanan County's fix-and-flip and bridge lenders barely appear among its 49 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 Buchanan County, Missouri deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Buchanan County, Missouri 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 — Buchanan County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 49 lenders and 197 loans: 2025 HMDA loan-level data rolled up to Buchanan County.
- Buchanan County investor-lender dataset (CSV) — All 25 lenders in the Buchanan County, Missouri table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Buchanan 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 St. Joseph, MO-KS MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Buchanan 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.