DSCR Loans in Calaveras County, California
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 52 lenders made 100 investment-property loans in Calaveras County, 0.2% of California's total. Dominick Prevete arranges DSCR loans across Calaveras 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 $325,000.
Calaveras County investor market at a glance
| Statistic | Calaveras County | California | County rank |
|---|---|---|---|
| Investor loans | 100 | 54,410 | 39th of 39 |
| Reporting lenders | 52 | 630 | 36th of 39 |
| Loan volume | $37.6M | $37.12B | 37th of 39 |
| Average loan | $376K | $682K | 25th of 39 |
| Median loan | $300K | $485K | 27th of 39 |
| Purchases | 60.0% | 51.1% | 7th of 39 |
| Cash-out refinances | 26.0% | 25.6% | 17th of 39 |
| 2–4 unit properties | 3.0% | 16.6% | 39th of 39 |
| Top five lenders' share | 35.0% | 23.2% | 12th of 39 |
| Reported business-purpose | 56.0% | 71.2% | 39th of 39 |
Calaveras County: closed-end loans on 1–4 unit investment properties. Calaveras County's rank is highest first, among California's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Calaveras County's investor loans.
What stands out in Calaveras County
56.0% of Calaveras County's investor loans were reported as business-purpose, the lowest share of California's 39 counties with published data (statewide: 71.2%).
Fewer investor loans here were reported as business-purpose than in most of California. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
3.0% of Calaveras County's investor loans financed a 2–4 unit property, the lowest share of California's 39 counties with published data (statewide: 16.6%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
60.0% of Calaveras County's investor loans were purchases, the 7th-highest share of California's 39 counties with published data (statewide: 51.1%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
Does a DSCR loan pencil in Calaveras County?
At HUD's fair market rent of $2,123 for a 3-bedroom in Calaveras County, California, a rental covers its full DSCR payment up to a purchase price of about $325,000, with 20% down at the 7.25% starting rate (November 2026). Calaveras County's median home value is $457,200; at that price the payment is $2,962 a month, so the property would need $2,975 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) | $1,533 / $2,123 / $2,224 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $457,200 |
| Median property taxes and effective rate | $3,319 (0.73% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,962 |
| Rent needed to cover that payment | $2,975 |
| Coverage of a 3-bedroom at fair market rent | 0.72 |
| Highest price a 3-bedroom at fair market rent covers | about $325,000 |
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 Calaveras County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Calaveras County?
The most active investment-property lenders in Calaveras County in 2025 HMDA data were THE LOAN STORE, INC.; UNITED SHORE FINANCIAL SERVICES, LLC; and Rocket Mortgage, LLC, out of 52 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 Calaveras County, and matches each file to the one most likely to fund it.
Calaveras County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 100 loans and $37.6M from 52 lenders. THE LOAN STORE, INC. led Calaveras County with 9 loans, 9.0% of the county's total, and the average Calaveras County loan of $376K compares with $682K across California.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| THE LOAN STORE, INC. | 9 | $3.2M | $356K | 55.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 8 | $2.1M | $268K | 75.0% |
| Rocket Mortgage, LLC | 7 | $2.2M | $316K | 71.4% |
| LENDSURE MORTGAGE CORP. | 6 | $1.6M | $275K | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 5 | $1.5M | $297K | 100.0% |
| Sierra Pacific Mortgage Company, Inc. | 5 | $1.1M | $227K | 100.0% |
| NEWREZ LLC | 3 | $0.9M | $315K | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | $0.8M | $268K | 100.0% |
| KIND LENDING, LLC | 3 | $0.8M | $268K | 66.7% |
| OCMBC, INC. | 3 | $0.7M | $222K | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 3 | $0.7M | $222K | 66.7% |
| NexBank | 2 | $1.1M | $525K | 50.0% |
| Bank of America, National Association | 2 | $0.9M | $465K | 100.0% |
| Loandepot.Com, LLC | 2 | $0.8M | $400K | 100.0% |
| Broker Solutions, Inc. | 2 | $0.5M | $265K | 50.0% |
| Outdoor Bank | 1 | $5.4M | $5365K | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | $0.8M | $755K | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | $0.6M | $605K | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | $0.6M | $585K | 100.0% |
| JMAC LENDING, INC. | 1 | $0.6M | $565K | 100.0% |
| SCENIC OAKS FUNDING, LLC | 1 | $0.6M | $555K | 100.0% |
| U.S. Bank National Association | 1 | $0.5M | $535K | 100.0% |
| CHAMPIONS FUNDING, LLC | 1 | $0.5M | $535K | 0.0% |
| ALLIANT CREDIT UNION | 1 | $0.5M | $515K | 100.0% |
| EVERETT FINANCIAL, INC. | 1 | $0.5M | $495K | 100.0% |
1,726 California loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Calaveras County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Calaveras County CSV, all 25 lenders
What Calaveras County's table can't show you: fit. Short-term financing is exempt from HMDA, so Calaveras County's fix-and-flip and bridge lenders barely appear among its 52 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 Calaveras County, California deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Calaveras 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 — Calaveras County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 52 lenders and 100 loans: 2025 HMDA loan-level data rolled up to Calaveras County.
- Calaveras County investor-lender dataset (CSV) — All 25 lenders in the Calaveras County, California table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Calaveras 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 Calaveras County, CA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Calaveras 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.