DSCR Loans in Butler County, Ohio
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 130 lenders made 682 investment-property loans in Butler County, 3.1% of Ohio's total. Dominick Prevete arranges DSCR loans across Butler County, Ohio, 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 $275,000.
Butler County investor market at a glance
| Statistic | Butler County | Ohio | County rank |
|---|---|---|---|
| Investor loans | 682 | 21,703 | 7th of 30 |
| Reporting lenders | 130 | 551 | 6th of 30 |
| Loan volume | $122.2M | $3.64B | 6th of 30 |
| Average loan | $179K | $168K | 10th of 30 |
| Median loan | $155K | $135K | 9th of 30 |
| Purchases | 53.7% | 59.1% | 27th of 30 |
| Cash-out refinances | 21.3% | 20.0% | 16th of 30 |
| 2–4 unit properties | 14.4% | 23.7% | 24th of 30 |
| Top five lenders' share | 34.0% | 28.8% | 24th of 30 |
| Reported business-purpose | 75.2% | 76.4% | 12th of 30 |
Butler County: closed-end loans on 1–4 unit investment properties. Butler County's rank is highest first, among Ohio'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
53.7% of Butler County's investor loans were purchases, the 4th-lowest share of Ohio's 30 counties with published data (statewide: 59.1%).
Refinances are a larger share here than in most of Ohio. A DSCR refinance qualifies on the property's current rent.
14.4% of Butler County's investor loans financed a 2–4 unit property, the 7th-lowest share of Ohio's 30 counties with published data (statewide: 23.7%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
The five most active lenders wrote 34.0% of Butler County's investor loans, the 7th-lowest share of Ohio's 30 counties with published data (statewide: 28.8%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
Does a DSCR loan pencil in Butler County?
At HUD's fair market rent of $1,897 for a 3-bedroom in Butler County, Ohio, a rental covers its full DSCR payment up to a purchase price of about $275,000, with 20% down at the 7.25% starting rate (November 2026). Butler County's median home value is $258,500; at that price the payment is $1,780 a month, so the property would need $1,800 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) | $1,442 / $1,897 / $2,141 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $258,500 |
| Median property taxes and effective rate | $3,141 (1.22% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,780 |
| Rent needed to cover that payment | $1,800 |
| Coverage of a 3-bedroom at fair market rent | 1.07 |
| Highest price a 3-bedroom at fair market rent covers | about $275,000 |
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 Kiavi Funding, Inc.; MM LENDING, LLC; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 130 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: 682 loans and $122.2M from 130 lenders. Kiavi Funding, Inc. led Butler County with 77 loans, 11.3% of the county's total, and the average Butler County loan of $179K compares with $168K across Ohio.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 77 | $13.9M | $181K | 74.0% |
| MM LENDING, LLC | 66 | $11.0M | $166K | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 38 | $5.8M | $152K | 52.6% |
| Union Savings Bank | 30 | $5.7M | $189K | 80.0% |
| Rocket Mortgage, LLC | 21 | $4.7M | $225K | 57.1% |
| AMERICAN HERITAGE LENDING, LLC | 21 | $3.0M | $142K | 81.0% |
| Loan Funder LLC | 20 | $2.6M | $130K | 60.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 19 | $3.3M | $174K | 100.0% |
| BPL MORTGAGE TRUST, LLC | 18 | $2.5M | $141K | 5.6% |
| DEEPHAVEN MORTGAGE LLC | 16 | $3.2M | $202K | 31.2% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 16 | $3.1M | $192K | 12.5% |
| The Huntington National Bank | 12 | $2.2M | $180K | 58.3% |
| LENDINGONE, LLC | 11 | $1.9M | $175K | 18.2% |
| CV3 FINANCIAL SERVICES, LLC | 11 | $1.7M | $156K | 54.5% |
| NEWREZ LLC | 10 | $2.5M | $250K | 30.0% |
| First Financial Bank | 10 | $1.5M | $150K | 40.0% |
| Peoples First Savings Bank | 9 | $1.8M | $205K | 22.2% |
| M/I FINANCIAL, LLC | 8 | $2.7M | $333K | 100.0% |
| Somerville Bank | 8 | $1.8M | $229K | 75.0% |
| DOMINION FINANCIAL SERVICES, LLC | 8 | $1.1M | $133K | 0.0% |
| Warsaw Federal Savings and Loan Association | 8 | $0.8M | $98K | 87.5% |
| ARC HOME LLC | 7 | $1.4M | $195K | 14.3% |
| Genesis Capital, LLC | 7 | $1.3M | $181K | 100.0% |
| Fairway Independent Mortgage Corporation | 7 | $1.2M | $168K | 100.0% |
| LIMA ONE CAPITAL, LLC | 7 | $1.1M | $154K | 42.9% |
1,125 Ohio loans (5.2%) 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 October 31, 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 130 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 Butler County, Ohio deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Butler County, Ohio 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 130 lenders and 682 loans: 2025 HMDA loan-level data rolled up to Butler County.
- Butler County investor-lender dataset (CSV) — All 25 lenders in the Butler County, Ohio 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 Cincinnati, OH-KY-IN 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.