DSCR Loans in Butler County, Kansas
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, 48 lenders made 228 investment-property loans in Butler County, 3.7% of Kansas's total. Dominick Prevete arranges DSCR loans across Butler County, Kansas, 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.
Butler County investor market at a glance
| Statistic | Butler County | Kansas | County rank |
|---|---|---|---|
| Investor loans | 228 | 6,189 | 6th of 9 |
| Reporting lenders | 48 | 354 | 8th of 9 |
| Loan volume | $35.3M | $1.11B | 6th of 9 |
| Average loan | $155K | $180K | 7th of 9 |
| Median loan | $115K | $135K | 7th of 9 |
| Purchases | 47.4% | 57.5% | 8th of 9 |
| Cash-out refinances | 11.0% | 11.8% | 5th of 9 |
| 2–4 unit properties | 21.9% | 20.4% | 3rd of 9 |
| Top five lenders' share | 50.0% | 18.4% | 3rd of 9 |
| Reported business-purpose | 66.7% | 58.9% | 3rd of 9 |
Butler County: closed-end loans on 1–4 unit investment properties. Butler County's rank is highest first, among Kansas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Butler County's investor loans.
What stands out in Butler County
47.4% of Butler County's investor loans were purchases, the 2nd-lowest share of Kansas's 9 counties with published data (statewide: 57.5%).
Most investor loans here refinance property investors already own. A DSCR refinance qualifies on the property's current rent.
Butler County's 228 investor loans ranked 6th of Kansas's 9 counties with published data.
Does a DSCR loan pencil in Butler County?
At HUD's fair market rent of $1,382 for a 3-bedroom in Butler County, Kansas, 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). Butler County's median home value is $217,600; at that price the payment is $1,543 a month, so the property would need $1,550 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) | $1,043 / $1,382 / $1,712 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $217,600 |
| Median property taxes and effective rate | $3,177 (1.46% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,543 |
| Rent needed to cover that payment | $1,550 |
| Coverage of a 3-bedroom at fair market rent | 0.90 |
| 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 $290,000 |
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 Butler County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Butler County?
The most active investment-property lenders in Butler County in 2025 HMDA data were Community National Bank & Trust; MERITRUST Federal Credit Union; and Intrust Bank, National Association, out of 48 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 Butler County, and matches each file to the one most likely to fund it.
Butler County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 228 loans and $35.3M from 48 lenders. Community National Bank & Trust led Butler County with 61 loans, 26.8% of the county's total, and the average Butler County loan of $155K compares with $180K across Kansas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Community National Bank & Trust | 61 | $7.4M | $121K | 49.2% |
| MERITRUST Federal Credit Union | 15 | $1.8M | $123K | 6.7% |
| Intrust Bank, National Association | 14 | $1.3M | $92K | 64.3% |
| Vintage Bank Kansas | 13 | $1.3M | $100K | 69.2% |
| Conway Bank | 11 | $1.5M | $139K | 0.0% |
| MERITRUST CREDIT UNION | 10 | $1.1M | $105K | 0.0% |
| Legacy Bank | 9 | $1.9M | $208K | 77.8% |
| Peoples Bank and Trust Company | 8 | $1.5M | $186K | 50.0% |
| Community Bank of Wichita, Inc. | 8 | $1.2M | $151K | 50.0% |
| Emprise Bank | 5 | $1.4M | $273K | 60.0% |
| Equity Bank | 5 | $1.2M | $245K | 40.0% |
| BPL MORTGAGE TRUST, LLC | 5 | $0.4M | $77K | 20.0% |
| General Mortgage Capital Corporation | 4 | $1.1M | $265K | 100.0% |
| Citizens Bank of Kansas | 4 | $0.7M | $180K | 25.0% |
| Fidelity Bank, National Association | 4 | $0.6M | $158K | 75.0% |
| Gateway First Bank | 4 | $0.6M | $153K | 75.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 3 | $3.1M | $1045K | 0.0% |
| Union State Bank | 3 | $0.6M | $205K | 66.7% |
| The First National Bank of Hutchinson | 3 | $0.6M | $198K | 66.7% |
| Bank of Commerce | 3 | $0.3M | $88K | 100.0% |
| 21st Mortgage Corporation | 3 | $0.1M | $38K | 66.7% |
| KS StateBank | 2 | $0.6M | $285K | 50.0% |
| Commerce Bank | 2 | $0.5M | $240K | 50.0% |
| LENDSURE MORTGAGE CORP. | 2 | $0.4M | $215K | 50.0% |
| Kiavi Funding, Inc. | 2 | $0.3M | $170K | 100.0% |
139 Kansas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Butler County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Butler County CSV, all 25 lenders
What Butler County's table can't show you: fit. Short-term financing is exempt from HMDA, so Butler County's fix-and-flip and bridge lenders barely appear among its 48 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 Butler County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Butler County |
|---|---|---|---|
| Sedgwick County, KS | 1,658 | 152 | Borders Butler County |
| Reno County, KS | 173 | 34 | About 70 miles away |
| Washington County, OK | 104 | 39 | About 90 miles away |
| Riley County, KS | 159 | 49 | About 105 miles away |
Run the coverage test on your Butler County, Kansas deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Butler County, Kansas 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 — Butler County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 48 lenders and 228 loans: 2025 HMDA loan-level data rolled up to Butler County.
- Butler County investor-lender dataset (CSV) — All 25 lenders in the Butler County, Kansas table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Butler 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 Wichita, KS HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Butler 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.