DSCR Loans in Clay County, Missouri
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 117 lenders made 418 investment-property loans in Clay County, 2.7% of Missouri's total. Dominick Prevete arranges DSCR loans across Clay 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 $295,000.
Clay County investor market at a glance
| Statistic | Clay County | Missouri | County rank |
|---|---|---|---|
| Investor loans | 418 | 15,393 | 7th of 22 |
| Reporting lenders | 117 | 534 | 6th of 22 |
| Loan volume | $85.7M | $2.82B | 8th of 22 |
| Average loan | $205K | $183K | 9th of 22 |
| Median loan | $180K | $145K | 8th of 22 |
| Purchases | 66.7% | 61.2% | 11th of 22 |
| Cash-out refinances | 14.6% | 12.1% | 8th of 22 |
| 2–4 unit properties | 11.7% | 19.1% | 18th of 22 |
| Top five lenders' share | 30.4% | 18.3% | 17th of 22 |
| Reported business-purpose | 62.0% | 63.6% | 6th of 22 |
Clay County: closed-end loans on 1–4 unit investment properties. Clay County's rank is highest first, among Missouri's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Clay County's investor loans.
What stands out in Clay County
11.7% of Clay County's investor loans financed a 2–4 unit property, the 5th-lowest share of Missouri's 22 counties with published data (statewide: 19.1%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Clay County's 418 investor loans ranked 7th of Missouri's 22 counties with published data.
Does a DSCR loan pencil in Clay County?
At HUD's fair market rent of $2,020 for a 3-bedroom in Clay County, Missouri, a rental covers its full DSCR payment up to a purchase price of about $295,000, with 20% down at the 7.25% starting rate (November 2026). Clay County's median home value is $275,600; at that price the payment is $1,864 a month, so the property would need $1,875 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) | $275,600 |
| Median property taxes and effective rate | $2,941 (1.07% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,864 |
| Rent needed to cover that payment | $1,875 |
| Coverage of a 3-bedroom at fair market rent | 1.08 |
| Highest price a 3-bedroom at fair market rent covers | about $295,000 |
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 Clay County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Clay County?
The most active investment-property lenders in Clay County in 2025 HMDA data were Kiavi Funding, Inc.; COMMUNITYAMERICA CREDIT UNION; and Pony Express Bank, out of 117 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 Clay County, and matches each file to the one most likely to fund it.
Clay County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 418 loans and $85.7M from 117 lenders. Kiavi Funding, Inc. led Clay County with 47 loans, 11.2% of the county's total, and the average Clay County loan of $205K compares with $183K across Missouri.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 47 | $9.0M | $191K | 66.0% |
| COMMUNITYAMERICA CREDIT UNION | 28 | $5.9M | $209K | 96.4% |
| Pony Express Bank | 19 | $8.7M | $459K | 52.6% |
| Kearney Trust Company | 18 | $2.8M | $157K | 66.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 15 | $2.8M | $184K | 60.0% |
| The Nodaway Valley Bank | 14 | $2.9M | $204K | 78.6% |
| Fairway Independent Mortgage Corporation | 12 | $2.3M | $193K | 75.0% |
| Bank of Weston | 9 | $1.8M | $201K | 0.0% |
| Rocket Mortgage, LLC | 9 | $1.4M | $158K | 77.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 8 | $1.5M | $193K | 87.5% |
| GUILD MORTGAGE COMPANY | 8 | $1.4M | $171K | 87.5% |
| PENNYMAC LOAN SERVICES, LLC | 7 | $1.4M | $199K | 85.7% |
| THE LOAN STORE, INC. | 7 | $1.4M | $194K | 57.1% |
| LEADERONE FINANCIAL CORPORATION | 7 | $0.9M | $128K | 57.1% |
| First State Bank of St. Charles, Missouri | 6 | $1.5M | $252K | 66.7% |
| LENDINGONE, LLC | 6 | $1.0M | $165K | 83.3% |
| F & C Bank | 6 | $0.8M | $142K | 100.0% |
| The Central Trust Bank | 5 | $1.5M | $301K | 40.0% |
| Bank of Odessa | 5 | $1.2M | $241K | 80.0% |
| HOMEXPRESS MORTGAGE CORP. | 5 | $0.9M | $185K | 60.0% |
| DOMINION FINANCIAL SERVICES, LLC | 5 | $0.9M | $177K | 80.0% |
| Mid-America Bank | 5 | $0.9M | $175K | 80.0% |
| Verimore Bank | 5 | $0.8M | $165K | 60.0% |
| NBKC BANK | 5 | $0.7M | $135K | 80.0% |
| LIMA ONE CAPITAL, LLC | 4 | $0.8M | $200K | 75.0% |
561 Missouri loans (3.6%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Clay County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Clay County CSV, all 25 lenders
What Clay County's table can't show you: fit. Short-term financing is exempt from HMDA, so Clay County's fix-and-flip and bridge lenders barely appear among its 117 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 Clay County, Missouri deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Clay 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 — Clay County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 117 lenders and 418 loans: 2025 HMDA loan-level data rolled up to Clay County.
- Clay County investor-lender dataset (CSV) — All 25 lenders in the Clay County, Missouri table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Clay 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 — Clay 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.