DSCR Loans in Clermont County, Ohio
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 72 lenders made 195 investment-property loans in Clermont County, 0.9% of Ohio's total. Dominick Prevete arranges DSCR loans across Clermont County, Ohio, 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 $270,000.
Clermont County investor market at a glance
| Statistic | Clermont County | Ohio | County rank |
|---|---|---|---|
| Investor loans | 195 | 21,703 | 19th of 30 |
| Reporting lenders | 72 | 551 | 15th of 30 |
| Loan volume | $40.1M | $3.64B | 15th of 30 |
| Average loan | $205K | $168K | 6th of 30 |
| Median loan | $185K | $135K | 4th of 30 |
| Purchases | 66.7% | 59.1% | 8th of 30 |
| Cash-out refinances | 15.4% | 20.0% | 23rd of 30 |
| 2–4 unit properties | 6.7% | 23.7% | 30th of 30 |
| Top five lenders' share | 39.5% | 28.8% | 16th of 30 |
| Reported business-purpose | 71.8% | 76.4% | 17th of 30 |
Clermont County: closed-end loans on 1–4 unit investment properties. Clermont County's rank is highest first, among Ohio's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Clermont County's investor loans.
What stands out in Clermont County
6.7% of Clermont County's investor loans financed a 2–4 unit property, the lowest share of Ohio's 30 counties with published data (statewide: 23.7%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
The median investor loan in Clermont County was $185K, the 4th-highest median of Ohio's 30 counties with published data (statewide: $135K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
Does a DSCR loan pencil in Clermont County?
At HUD's fair market rent of $1,897 for a 3-bedroom in Clermont County, Ohio, a rental covers its full DSCR payment up to a purchase price of about $270,000, with 20% down at the 7.25% starting rate (November 2026). Clermont County's median home value is $266,200; at that price the payment is $1,841 a month, so the property would need $1,850 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) | $266,200 |
| Median property taxes and effective rate | $3,333 (1.25% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,841 |
| Rent needed to cover that payment | $1,850 |
| Coverage of a 3-bedroom at fair market rent | 1.03 |
| Highest price a 3-bedroom at fair market rent covers | about $270,000 |
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 Clermont County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Clermont County?
The most active investment-property lenders in Clermont County in 2025 HMDA data were VICTORY MORTGAGE, L.L.C.; Union Savings Bank; and MM LENDING, LLC, out of 72 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 Clermont County, and matches each file to the one most likely to fund it.
Clermont County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 195 loans and $40.1M from 72 lenders. VICTORY MORTGAGE, L.L.C. led Clermont County with 24 loans, 12.3% of the county's total, and the average Clermont County loan of $205K compares with $168K across Ohio.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| VICTORY MORTGAGE, L.L.C. | 24 | $5.4M | $227K | 100.0% |
| Union Savings Bank | 17 | $3.2M | $190K | 64.7% |
| MM LENDING, LLC | 15 | $2.6M | $172K | 0.0% |
| Kiavi Funding, Inc. | 12 | $2.6M | $219K | 91.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 9 | $1.8M | $201K | 55.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 7 | $1.2M | $168K | 42.9% |
| RiverHills Bank | 5 | $1.0M | $195K | 60.0% |
| Fairway Independent Mortgage Corporation | 5 | $0.6M | $113K | 100.0% |
| First Commonwealth Bank | 4 | $1.2M | $293K | 100.0% |
| Rocket Mortgage, LLC | 4 | $0.9M | $223K | 75.0% |
| Guardian Savings Bank | 4 | $0.6M | $158K | 100.0% |
| Farm Credit Mid-America | 3 | $1.1M | $372K | 100.0% |
| LENDINGONE, LLC | 3 | $0.8M | $272K | 33.3% |
| The Huntington National Bank | 3 | $0.6M | $198K | 33.3% |
| Genesis Capital, LLC | 3 | $0.6M | $188K | 100.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | $0.5M | $175K | 0.0% |
| CV3 FINANCIAL SERVICES, LLC | 3 | $0.5M | $168K | 33.3% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | $0.5M | $270K | 100.0% |
| Forcht Bank, National Association | 2 | $0.4M | $215K | 50.0% |
| German American Bank | 2 | $0.4M | $210K | 100.0% |
| AMWEST FUNDING CORP. | 2 | $0.4M | $205K | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | $0.4M | $195K | 100.0% |
| Loan Funder LLC | 2 | $0.4M | $185K | 100.0% |
| GUARANTEED RATE, INC. | 2 | $0.3M | $175K | 100.0% |
| The Merchants National Bank | 2 | $0.3M | $160K | 50.0% |
1,125 Ohio loans (5.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Clermont County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Clermont County CSV, all 25 lenders
What Clermont County's table can't show you: fit. Short-term financing is exempt from HMDA, so Clermont County's fix-and-flip and bridge lenders barely appear among its 72 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 Clermont County, Ohio deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Clermont County, Ohio 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 — Clermont County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 72 lenders and 195 loans: 2025 HMDA loan-level data rolled up to Clermont County.
- Clermont County investor-lender dataset (CSV) — All 25 lenders in the Clermont County, Ohio table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Clermont 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 — Clermont 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.