DSCR Loans in Canyon County, Idaho
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 98 lenders made 372 investment-property loans in Canyon County, 12.2% of Idaho's total. Dominick Prevete arranges DSCR loans across Canyon County, Idaho, 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 $335,000.
Canyon County investor market at a glance
| Statistic | Canyon County | Idaho | County rank |
|---|---|---|---|
| Investor loans | 372 | 3,049 | 2nd of 6 |
| Reporting lenders | 98 | 259 | 2nd of 6 |
| Loan volume | $115.6M | $1.04B | 3rd of 6 |
| Average loan | $311K | $342K | 3rd of 6 |
| Median loan | $275K | $295K | 3rd of 6 |
| Purchases | 72.6% | 66.7% | 2nd of 6 |
| Cash-out refinances | 12.9% | 16.5% | 5th of 6 |
| 2–4 unit properties | 18.0% | 14.2% | 4th of 6 |
| Top five lenders' share | 28.8% | 24.2% | 5th of 6 |
| Reported business-purpose | 57.5% | 55.4% | 3rd of 6 |
Canyon County: closed-end loans on 1–4 unit investment properties. Canyon County's rank is highest first, among Idaho's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Canyon County's investor loans.
What stands out in Canyon County
Canyon County's 372 investor loans ranked 2nd of Idaho's 6 counties with published data.
Does a DSCR loan pencil in Canyon County?
At HUD's fair market rent of $2,132 for a 3-bedroom in Canyon County, Idaho, a rental covers its full DSCR payment up to a purchase price of about $335,000, with 20% down at the 7.25% starting rate (November 2026). Canyon County's median home value is $390,000; at that price the payment is $2,458 a month, so the property would need $2,475 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) | $1,540 / $2,132 / $2,574 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $390,000 |
| Median property taxes and effective rate | $2,011 (0.52% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,458 |
| Rent needed to cover that payment | $2,475 |
| Coverage of a 3-bedroom at fair market rent | 0.87 |
| Highest price a 3-bedroom at fair market rent covers | about $335,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $485,000 |
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 Canyon County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Canyon County?
The most active investment-property lenders in Canyon County in 2025 HMDA data were PREMIER MORTGAGE RESOURCES, L.L.C.; IDAHO CENTRAL CREDIT UNION; and United Wholesale Mortgage, out of 98 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 Canyon County, and matches each file to the one most likely to fund it.
Canyon County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 372 loans and $115.6M from 98 lenders. PREMIER MORTGAGE RESOURCES, L.L.C. led Canyon County with 28 loans, 7.5% of the county's total, and the average Canyon County loan of $311K compares with $342K across Idaho.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| PREMIER MORTGAGE RESOURCES, L.L.C. | 28 | $7.2M | $258K | 92.9% |
| IDAHO CENTRAL CREDIT UNION | 24 | $5.4M | $226K | 66.7% |
| United Wholesale Mortgage | 20 | $5.2M | $258K | 75.0% |
| THE LOAN STORE, INC. | 18 | $5.3M | $295K | 77.8% |
| GUILD MORTGAGE COMPANY | 17 | $3.6M | $213K | 94.1% |
| Rocket Mortgage, LLC | 13 | $4.3M | $329K | 69.2% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 13 | $3.8M | $295K | 53.8% |
| LENNAR MORTGAGE, LLC | 10 | $2.9M | $292K | 100.0% |
| KIND LENDING, LLC | 9 | $2.7M | $298K | 77.8% |
| MOVEMENT MORTGAGE, LLC | 8 | $1.8M | $220K | 75.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 7 | $2.5M | $354K | 85.7% |
| NEWREZ LLC | 7 | $2.4M | $346K | 42.9% |
| SUMMIT FUNDING, INC. | 7 | $1.8M | $264K | 85.7% |
| CLM MORTGAGE, INC. | 7 | $1.7M | $244K | 100.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 6 | $4.5M | $742K | 100.0% |
| U.S. Bank National Association | 6 | $1.4M | $232K | 83.3% |
| Loan Funder LLC | 5 | $3.8M | $765K | 100.0% |
| MY MOVE MORTGAGE, LLC | 5 | $2.7M | $533K | 0.0% |
| UNION HOME MORTGAGE CORP. | 5 | $1.8M | $361K | 100.0% |
| NATIONSTAR MORTGAGE LLC | 5 | $1.8M | $359K | 40.0% |
| PENNYMAC LOAN SERVICES, LLC | 5 | $1.7M | $349K | 100.0% |
| Kiavi Funding, Inc. | 5 | $1.4M | $281K | 80.0% |
| SAMMAMISH MORTGAGE COMPANY | 4 | $3.0M | $743K | 0.0% |
| Commerce Home Mortgage, Inc. | 4 | $1.6M | $403K | 100.0% |
| TOLL BROTHERS MORTGAGE COMPANY | 4 | $1.2M | $308K | 100.0% |
7 Idaho loans (0.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Canyon County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Canyon County CSV, all 25 lenders
What Canyon County's table can't show you: fit. Short-term financing is exempt from HMDA, so Canyon County's fix-and-flip and bridge lenders barely appear among its 98 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 Canyon County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Canyon County |
|---|---|---|---|
| Ada County, ID | 1,033 | 161 | Borders Canyon County |
| Twin Falls County, ID | 110 | 39 | About 135 miles away |
| Deschutes County, OR | 411 | 112 | About 225 miles away |
| Benton County, WA | 250 | 70 | About 225 miles away |
Run the coverage test on your Canyon County, Idaho deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Canyon County, Idaho 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 — Canyon County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 98 lenders and 372 loans: 2025 HMDA loan-level data rolled up to Canyon County.
- Canyon County investor-lender dataset (CSV) — All 25 lenders in the Canyon County, Idaho table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Canyon 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 Boise City, ID HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Canyon 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.