DSCR Loans in Campbell County, Kentucky
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 82 lenders made 218 investment-property loans in Campbell County, 2.8% of Kentucky's total. Dominick Prevete arranges DSCR loans across Campbell County, Kentucky, 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 $280,000.
Campbell County investor market at a glance
| Statistic | Campbell County | Kentucky | County rank |
|---|---|---|---|
| Investor loans | 218 | 7,902 | 6th of 14 |
| Reporting lenders | 82 | 369 | 4th of 14 |
| Loan volume | $39.1M | $1.53B | 7th of 14 |
| Average loan | $179K | $193K | 9th of 14 |
| Median loan | $165K | $155K | 8th of 14 |
| Purchases | 50.5% | 58.5% | 12th of 14 |
| Cash-out refinances | 27.5% | 12.4% | 1st of 14 |
| 2–4 unit properties | 19.3% | 19.3% | 10th of 14 |
| Top five lenders' share | 37.2% | 15.4% | 11th of 14 |
| Reported business-purpose | 78.4% | 60.6% | 3rd of 14 |
Campbell County: closed-end loans on 1–4 unit investment properties. Campbell County's rank is highest first, among Kentucky's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Campbell County's investor loans.
What stands out in Campbell County
27.5% of Campbell County's investor loans were cash-out refinances, the highest share of Kentucky's 14 counties with published data (statewide: 12.4%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
50.5% of Campbell County's investor loans were purchases, the 3rd-lowest share of Kentucky's 14 counties with published data (statewide: 58.5%).
Refinances are a larger share here than in most of Kentucky. A DSCR refinance qualifies on the property's current rent.
By share of investor loans reported as business-purpose, Campbell County ranks 3rd-highest of Kentucky's 14 counties with published data (statewide: 60.6%).
78.4% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Does a DSCR loan pencil in Campbell County?
At HUD's fair market rent of $1,897 for a 3-bedroom in Campbell County, Kentucky, a rental covers its full DSCR payment up to a purchase price of about $280,000, with 20% down at the 7.25% starting rate (November 2026). Campbell County's median home value is $252,000; at that price the payment is $1,693 a month, so the property would need $1,700 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) | $252,000 |
| Median property taxes and effective rate | $2,556 (1.01% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,693 |
| Rent needed to cover that payment | $1,700 |
| Coverage of a 3-bedroom at fair market rent | 1.12 |
| Highest price a 3-bedroom at fair market rent covers | about $280,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $425,000 |
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 Campbell County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Campbell County?
The most active investment-property lenders in Campbell County in 2025 HMDA data were VELOCITY COMMERCIAL CAPITAL, LLC; United Wholesale Mortgage; and MM LENDING, LLC, out of 82 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 several that reported in Campbell County, and matches each file to the one most likely to fund it.
Campbell County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 218 loans and $39.1M from 82 lenders. VELOCITY COMMERCIAL CAPITAL, LLC led Campbell County with 24 loans, 11.0% of the county's total, and the average Campbell County loan of $179K compares with $193K across Kentucky.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| VELOCITY COMMERCIAL CAPITAL, LLC | 24 | $2.0M | $85K | 100.0% |
| United Wholesale Mortgage | 19 | $3.4M | $178K | 36.8% |
| MM LENDING, LLC | 15 | $2.8M | $190K | 0.0% |
| Kiavi Funding, Inc. | 14 | $2.6M | $183K | 50.0% |
| Guardian Savings Bank | 9 | $1.6M | $174K | 100.0% |
| Rocket Mortgage, LLC | 8 | $1.0M | $130K | 37.5% |
| PLAZA HOME MORTGAGE, INC. | 7 | $1.2M | $176K | 28.6% |
| German American Bank | 6 | $2.3M | $383K | 50.0% |
| THE LOAN STORE, INC. | 5 | $0.8M | $161K | 20.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | $0.7M | $143K | 80.0% |
| CONVENTUS LLC | 4 | $0.8M | $200K | 75.0% |
| Fifth Third Bank, National Association | 4 | $0.6M | $143K | 25.0% |
| STOCKTON MORTGAGE CORPORATION | 4 | $0.6M | $140K | 25.0% |
| Beeline Loans, Inc. | 3 | $1.2M | $408K | 0.0% |
| NEWREZ LLC | 3 | $0.6M | $198K | 66.7% |
| CV3 Financial Services, LLC | 3 | $0.5M | $182K | 66.7% |
| BPL MORTGAGE TRUST, LLC | 3 | $0.5M | $158K | 0.0% |
| Fairway Independent Mortgage Corporation | 3 | $0.4M | $125K | 100.0% |
| Peoples Exchange Bank | 2 | $0.7M | $325K | 0.0% |
| NEXERA HOLDING LLC | 2 | $0.6M | $305K | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | $0.5M | $255K | 0.0% |
| U.S. Bank National Association | 2 | $0.5M | $250K | 100.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 2 | $0.5M | $230K | 50.0% |
| Forcht Bank, National Association | 2 | $0.5M | $225K | 50.0% |
| Hometown Equity Mortgage, LLC | 2 | $0.4M | $215K | 50.0% |
117 Kentucky loans (1.5%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Campbell County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Campbell County CSV, all 25 lenders
What Campbell County's table can't show you: fit. Short-term financing is exempt from HMDA, so Campbell County's fix-and-flip and bridge lenders barely appear among its 82 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 several 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 Campbell County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Campbell County |
|---|---|---|---|
| Kenton County, KY | 396 | 88 | Borders Campbell County |
| Hamilton County, OH | 1,906 | 221 | Borders Campbell County |
| Clermont County, OH | 195 | 72 | Borders Campbell County |
| Boone County, KY | 148 | 61 | About 20 miles away |
Run the coverage test on your Campbell County, Kentucky deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Campbell County, Kentucky 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 — Campbell County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 82 lenders and 218 loans: 2025 HMDA loan-level data rolled up to Campbell County.
- Campbell County investor-lender dataset (CSV) — All 25 lenders in the Campbell County, Kentucky table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Campbell 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 — Campbell 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.