DSCR Loans in Chautauqua County, New York
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 32 lenders made 119 investment-property loans in Chautauqua County, 0.5% of New York's total. Dominick Prevete arranges DSCR loans across Chautauqua County, New York, 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 $170,000.
Chautauqua County investor market at a glance
| Statistic | Chautauqua County | New York | County rank |
|---|---|---|---|
| Investor loans | 119 | 22,268 | 24th of 26 |
| Reporting lenders | 32 | 396 | 25th of 26 |
| Loan volume | $15.1M | $11.65B | 26th of 26 |
| Average loan | $127K | $523K | 26th of 26 |
| Median loan | $95K | $405K | 26th of 26 |
| Purchases | 65.5% | 59.1% | 5th of 26 |
| Cash-out refinances | 15.1% | 25.7% | 26th of 26 |
| 2–4 unit properties | 52.1% | 44.0% | 11th of 26 |
| Top five lenders' share | 53.8% | 22.4% | 1st of 26 |
| Reported business-purpose | 78.2% | 85.6% | 21st of 26 |
Chautauqua County: closed-end loans on 1–4 unit investment properties. Chautauqua County's rank is highest first, among New York's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Chautauqua County's investor loans.
What stands out in Chautauqua County
15.1% of Chautauqua County's investor loans were cash-out refinances, the lowest share of New York's 26 counties with published data (statewide: 25.7%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
The median investor loan in Chautauqua County was $95K, the lowest median of New York's 26 counties with published data (statewide: $405K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
The five most active lenders wrote 53.8% of Chautauqua County's investor loans, the highest share of New York's 26 counties with published data (statewide: 22.4%).
Five lenders write 53.8% of the loans here, so comparing written term sheets matters more.
Does a DSCR loan pencil in Chautauqua County?
At HUD's fair market rent of $1,338 for a 3-bedroom in Chautauqua County, New York, a rental covers its full DSCR payment up to a purchase price of about $170,000, with 20% down at the 7.25% starting rate (November 2026). Chautauqua County's median home value is $127,900; at that price the payment is $993 a month, so the property would need $1,000 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) | $1,014 / $1,338 / $1,393 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $127,900 |
| Median property taxes and effective rate | $2,901 (2.27% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $993 |
| Rent needed to cover that payment | $1,000 |
| Coverage of a 3-bedroom at fair market rent | 1.35 |
| Highest price a 3-bedroom at fair market rent covers | about $170,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $260,000 |
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 Chautauqua County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Chautauqua County?
The most active investment-property lenders in Chautauqua County in 2025 HMDA data were Community Bank, National Association; UNITED SHORE FINANCIAL SERVICES, LLC; and Rocket Mortgage, LLC, out of 32 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 Chautauqua County, and matches each file to the one most likely to fund it.
Chautauqua County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 119 loans and $15.1M from 32 lenders. Community Bank, National Association led Chautauqua County with 23 loans, 19.3% of the county's total, and the average Chautauqua County loan of $127K compares with $523K across New York.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Community Bank, National Association | 23 | $2.3M | $99K | 69.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 20 | $2.4M | $121K | 75.0% |
| Rocket Mortgage, LLC | 10 | $1.4M | $142K | 40.0% |
| Lake Shore Savings Bank | 6 | $1.0M | $160K | 66.7% |
| Manufacturers and Traders Trust Company | 5 | $1.1M | $219K | 80.0% |
| Cattaraugus County Bank | 5 | $1.1M | $215K | 100.0% |
| PREMIUM MORTGAGE CORPORATION | 5 | $0.5M | $105K | 100.0% |
| CONSTRUCTIVE LOANS, LLC | 4 | $0.4M | $95K | 0.0% |
| ALLIANT CREDIT UNION | 4 | $0.3M | $68K | 50.0% |
| Northwest Bank | 4 | $0.3M | $63K | 0.0% |
| Farm Credit East, ACA | 3 | $0.6M | $192K | 66.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | $0.5M | $168K | 0.0% |
| NEWREZ LLC | 3 | $0.3M | $108K | 100.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | $0.3M | $98K | 66.7% |
| Kiavi Funding, Inc. | 2 | $0.2M | $80K | 50.0% |
| HOMESTEAD FUNDING CORP. | 2 | $0.1M | $70K | 100.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | $0.1M | $55K | 100.0% |
| Peoples Security Bank and Trust Company | 1 | $0.4M | $385K | 100.0% |
| Loan Funder LLC | 1 | $0.3M | $275K | 100.0% |
| Axos Bank | 1 | $0.2M | $225K | 100.0% |
| Crews Bank & Trust | 1 | $0.2M | $225K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | $0.2M | $195K | 100.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | $0.2M | $155K | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | $0.2M | $155K | 100.0% |
| CMG MORTGAGE, INC. | 1 | $0.1M | $135K | 100.0% |
617 New York loans (2.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Chautauqua County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Chautauqua County CSV, all 25 lenders
What Chautauqua County's table can't show you: fit. Short-term financing is exempt from HMDA, so Chautauqua County's fix-and-flip and bridge lenders barely appear among its 32 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 →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 Chautauqua County, New York deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Chautauqua County, New York 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 — Chautauqua County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 32 lenders and 119 loans: 2025 HMDA loan-level data rolled up to Chautauqua County.
- Chautauqua County investor-lender dataset (CSV) — All 25 lenders in the Chautauqua County, New York table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Chautauqua 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 Chautauqua County, NY.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Chautauqua 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.