DSCR Loans in Cass County, Missouri
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 70 lenders made 225 investment-property loans in Cass County, 1.5% of Missouri's total. Dominick Prevete arranges DSCR loans across Cass County, Missouri, 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 $305,000.
Cass County investor market at a glance
| Statistic | Cass County | Missouri | County rank |
|---|---|---|---|
| Investor loans | 225 | 15,393 | 12th of 22 |
| Reporting lenders | 70 | 534 | 11th of 22 |
| Loan volume | $54.6M | $2.82B | 10th of 22 |
| Average loan | $243K | $183K | 4th of 22 |
| Median loan | $205K | $145K | 3rd of 22 |
| Purchases | 66.2% | 61.2% | 13th of 22 |
| Cash-out refinances | 9.3% | 12.1% | 10th of 22 |
| 2–4 unit properties | 25.8% | 19.1% | 8th of 22 |
| Top five lenders' share | 32.4% | 18.3% | 13th of 22 |
| Reported business-purpose | 64.4% | 63.6% | 5th of 22 |
Cass County: closed-end loans on 1–4 unit investment properties. Cass County's rank is highest first, among Missouri's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Cass County's investor loans.
What stands out in Cass County
The median investor loan in Cass County was $205K, the 3rd-highest median of Missouri's 22 counties with published data (statewide: $145K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
By share of investor loans reported as business-purpose, Cass County ranks 5th-highest of Missouri's 22 counties with published data (statewide: 63.6%).
64.4% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Does a DSCR loan pencil in Cass County?
At HUD's fair market rent of $2,020 for a 3-bedroom in Cass County, Missouri, a rental covers its full DSCR payment up to a purchase price of about $305,000, with 20% down at the 7.25% starting rate (November 2026). Cass County's median home value is $292,400; at that price the payment is $1,926 a month, so the property would need $1,950 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) | $1,546 / $2,020 / $2,419 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $292,400 |
| Median property taxes and effective rate | $2,504 (0.86% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,926 |
| Rent needed to cover that payment | $1,950 |
| Coverage of a 3-bedroom at fair market rent | 1.05 |
| Highest price a 3-bedroom at fair market rent covers | about $305,000 |
| 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 Cass County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Cass County?
The most active investment-property lenders in Cass County in 2025 HMDA data were COMMUNITYAMERICA CREDIT UNION; Kiavi Funding, Inc.; and THE LOAN STORE, INC., out of 70 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 Cass County, and matches each file to the one most likely to fund it.
Cass County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 225 loans and $54.6M from 70 lenders. COMMUNITYAMERICA CREDIT UNION led Cass County with 25 loans, 11.1% of the county's total, and the average Cass County loan of $243K compares with $183K across Missouri.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| COMMUNITYAMERICA CREDIT UNION | 25 | $6.7M | $266K | 100.0% |
| Kiavi Funding, Inc. | 15 | $2.5M | $167K | 66.7% |
| THE LOAN STORE, INC. | 13 | $3.3M | $252K | 92.3% |
| OCMBC, INC. | 10 | $3.1M | $310K | 90.0% |
| Sherwood Community Bank | 10 | $0.8M | $84K | 60.0% |
| Fairway Independent Mortgage Corporation | 9 | $1.7M | $189K | 44.4% |
| First Bank | 9 | $1.5M | $166K | 22.2% |
| First National Bank of Omaha | 8 | $1.1M | $140K | 25.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 7 | $1.5M | $211K | 71.4% |
| Adrian Bank | 7 | $1.4M | $198K | 71.4% |
| COMMUNITY MORTGAGE, LLC | 6 | $1.0M | $168K | 66.7% |
| Hawthorn Bank | 5 | $2.7M | $549K | 100.0% |
| Bell Bank | 5 | $1.8M | $357K | 100.0% |
| Bank of Odessa | 5 | $1.1M | $221K | 80.0% |
| First State Bank of St. Charles, Missouri | 5 | $1.1M | $215K | 60.0% |
| Verimore Bank | 4 | $0.8M | $193K | 100.0% |
| The Central Trust Bank | 3 | $0.8M | $268K | 33.3% |
| Loan Funder LLC | 3 | $0.7M | $222K | 33.3% |
| PENNYMAC LOAN SERVICES, LLC | 3 | $0.6M | $205K | 33.3% |
| Great American Bank | 3 | $0.6M | $202K | 66.7% |
| Citizens Bank | 3 | $0.6M | $192K | 100.0% |
| BPL MORTGAGE TRUST, LLC | 3 | $0.6M | $188K | 0.0% |
| Bank of Weston | 3 | $0.3M | $98K | 0.0% |
| Oakstar Bank | 2 | $4.4M | $2205K | 0.0% |
| GOPPERT FINANCIAL BANK | 2 | $0.7M | $360K | 100.0% |
561 Missouri loans (3.6%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Cass County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Cass County CSV, all 25 lenders
What Cass County's table can't show you: fit. Short-term financing is exempt from HMDA, so Cass County's fix-and-flip and bridge lenders barely appear among its 70 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 Cass County, Missouri deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Cass County, Missouri 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 — Cass County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 70 lenders and 225 loans: 2025 HMDA loan-level data rolled up to Cass County.
- Cass County investor-lender dataset (CSV) — All 25 lenders in the Cass County, Missouri table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Cass 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 Kansas City, MO-KS HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Cass 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.