DSCR Loans in Butte County, California
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 72 lenders made 218 investment-property loans in Butte County, 0.4% of California's total. Dominick Prevete arranges DSCR loans across Butte County, California, 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 $320,000.
Butte County investor market at a glance
| Statistic | Butte County | California | County rank |
|---|---|---|---|
| Investor loans | 218 | 54,410 | 29th of 39 |
| Reporting lenders | 72 | 630 | 32nd of 39 |
| Loan volume | $57.7M | $37.12B | 33rd of 39 |
| Average loan | $265K | $682K | 34th of 39 |
| Median loan | $250K | $485K | 34th of 39 |
| Purchases | 55.0% | 51.1% | 17th of 39 |
| Cash-out refinances | 22.5% | 25.6% | 30th of 39 |
| 2–4 unit properties | 22.5% | 16.6% | 6th of 39 |
| Top five lenders' share | 27.5% | 23.2% | 26th of 39 |
| Reported business-purpose | 71.1% | 71.2% | 21st of 39 |
Butte County: closed-end loans on 1–4 unit investment properties. Butte County's rank is highest first, among California's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Butte County's investor loans.
What stands out in Butte County
The median investor loan in Butte County was $250K, the 6th-lowest median of California's 39 counties with published data (statewide: $485K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
22.5% of Butte County's investor loans financed a 2–4 unit property, the 6th-highest share of California's 39 counties with published data (statewide: 16.6%).
2–4 unit properties are a larger share here than in most of California. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
Does a DSCR loan pencil in Butte County?
At HUD's fair market rent of $2,090 for a 3-bedroom in Butte County, California, a rental covers its full DSCR payment up to a purchase price of about $320,000, with 20% down at the 7.25% starting rate (November 2026). Butte County's median home value is $424,700; at that price the payment is $2,741 a month, so the property would need $2,750 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) | $1,509 / $2,090 / $2,522 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $424,700 |
| Median property taxes and effective rate | $2,951 (0.69% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,741 |
| Rent needed to cover that payment | $2,750 |
| Coverage of a 3-bedroom at fair market rent | 0.76 |
| Highest price a 3-bedroom at fair market rent covers | about $320,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $465,000 |
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 Butte County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Butte County?
The most active investment-property lenders in Butte County in 2025 HMDA data were THE LOAN STORE, INC.; UNITED SHORE FINANCIAL SERVICES, LLC; and 21st Mortgage Corporation, out of 72 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 two that reported in Butte County, and matches each file to the one most likely to fund it.
Butte County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 218 loans and $57.7M from 72 lenders. THE LOAN STORE, INC. led Butte County with 16 loans, 7.3% of the county's total, and the average Butte County loan of $265K compares with $682K across California.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| THE LOAN STORE, INC. | 16 | $4.5M | $280K | 31.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 13 | $3.7M | $287K | 53.8% |
| 21st Mortgage Corporation | 13 | $1.3M | $97K | 76.9% |
| Kiavi Funding, Inc. | 9 | $2.5M | $281K | 100.0% |
| Rocket Mortgage, LLC | 9 | $1.8M | $201K | 44.4% |
| HOMEXPRESS MORTGAGE CORP. | 8 | $2.7M | $334K | 25.0% |
| PENNYMAC LOAN SERVICES, LLC | 8 | $2.4M | $296K | 62.5% |
| NEWREZ LLC | 8 | $2.0M | $251K | 87.5% |
| GUARANTEED RATE, INC. | 7 | $1.9M | $265K | 71.4% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 7 | $1.6M | $229K | 71.4% |
| KIND LENDING, LLC | 6 | $1.9M | $308K | 83.3% |
| Commerce Home Mortgage, Inc. | 6 | $1.6M | $272K | 50.0% |
| Fairway Independent Mortgage Corporation | 5 | $1.9M | $373K | 60.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | $1.3M | $265K | 0.0% |
| JPMorgan Chase Bank, National Association | 5 | $1.2M | $239K | 0.0% |
| CHAMPIONS FUNDING, LLC | 4 | $1.5M | $375K | 75.0% |
| CONVENTUS LLC | 4 | $1.3M | $323K | 75.0% |
| LENDINGONE, LLC | 4 | $1.0M | $248K | 0.0% |
| General Mortgage Capital Corporation | 3 | $1.0M | $322K | 100.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | $0.6M | $212K | 33.3% |
| MOVEMENT MORTGAGE, LLC | 3 | $0.5M | $182K | 100.0% |
| Tri Counties Bank | 3 | $0.5M | $182K | 66.7% |
| SIERRA CENTRAL CREDIT UNION | 3 | $0.5M | $168K | 66.7% |
| ABL RPC Residential Credit Acquisition LLC | 2 | $2.5M | $1240K | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 2 | $0.9M | $440K | 50.0% |
1,726 California loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Butte County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Butte County CSV, all 25 lenders
What Butte County's table can't show you: fit. Short-term financing is exempt from HMDA, so Butte County's fix-and-flip and bridge lenders barely appear among its 72 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 Butte County, California deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Butte County, California 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 — Butte County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 72 lenders and 218 loans: 2025 HMDA loan-level data rolled up to Butte County.
- Butte County investor-lender dataset (CSV) — All 25 lenders in the Butte County, California table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Butte 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 Chico, CA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Butte 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.