DSCR Loans in Cochise County, Arizona
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 45 lenders made 108 investment-property loans in Cochise County, 0.9% of Arizona's total. Dominick Prevete arranges DSCR loans across Cochise County, Arizona, 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 $250,000.
Cochise County investor market at a glance
| Statistic | Cochise County | Arizona | County rank |
|---|---|---|---|
| Investor loans | 108 | 11,445 | 9th of 9 |
| Reporting lenders | 45 | 505 | 9th of 9 |
| Loan volume | $19.1M | $4.44B | 9th of 9 |
| Average loan | $177K | $388K | 9th of 9 |
| Median loan | $165K | $295K | 9th of 9 |
| Purchases | 44.4% | 57.8% | 9th of 9 |
| Cash-out refinances | 33.3% | 21.1% | 1st of 9 |
| 2–4 unit properties | 7.4% | 7.1% | 3rd of 9 |
| Top five lenders' share | 32.4% | 24.8% | 2nd of 9 |
| Reported business-purpose | 72.2% | 68.0% | 1st of 9 |
Cochise County: closed-end loans on 1–4 unit investment properties. Cochise County's rank is highest first, among Arizona's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Cochise County's investor loans.
What stands out in Cochise County
33.3% of Cochise County's investor loans were cash-out refinances, the highest share of Arizona's 9 counties with published data (statewide: 21.1%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
44.4% of Cochise County's investor loans were purchases, the lowest share of Arizona's 9 counties with published data (statewide: 57.8%).
Most investor loans here refinance property investors already own. A DSCR refinance qualifies on the property's current rent.
The average investor loan in Cochise County was $177K, the lowest average of Arizona's 9 counties with published data (statewide: $388K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Cochise County?
At HUD's fair market rent of $1,597 for a 3-bedroom in Cochise County, Arizona, a rental covers its full DSCR payment up to a purchase price of about $250,000, with 20% down at the 7.25% starting rate (November 2026). Cochise County's median home value is $218,300; at that price the payment is $1,391 a month, so the property would need $1,400 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) | $1,153 / $1,597 / $1,927 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $218,300 |
| Median property taxes and effective rate | $1,310 (0.60% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,391 |
| Rent needed to cover that payment | $1,400 |
| Coverage of a 3-bedroom at fair market rent | 1.15 |
| Highest price a 3-bedroom at fair market rent covers | about $250,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $360,000 |
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 Cochise County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Cochise County?
The most active investment-property lenders in Cochise County in 2025 HMDA data were Kiavi Funding, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and ANGEL OAK MORTGAGE SOLUTIONS LLC, out of 45 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 Cochise County, and matches each file to the one most likely to fund it.
Cochise County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 108 loans and $19.1M from 45 lenders. Kiavi Funding, Inc. led Cochise County with 9 loans, 8.3% of the county's total, and the average Cochise County loan of $177K compares with $388K across Arizona.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 9 | $1.9M | $215K | 44.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 9 | $1.6M | $182K | 22.2% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 6 | $1.0M | $173K | 16.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 6 | $0.9M | $145K | 83.3% |
| THE LOAN STORE, INC. | 5 | $1.0M | $207K | 40.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 5 | $0.9M | $173K | 80.0% |
| GUILD MORTGAGE COMPANY | 5 | $0.7M | $149K | 40.0% |
| ALTITUDE FINANCIAL CORPORATION | 4 | $0.7M | $175K | 25.0% |
| Rocket Mortgage, LLC | 4 | $0.6M | $160K | 0.0% |
| Fairway Independent Mortgage Corporation | 4 | $0.6M | $158K | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | $0.7M | $248K | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | $0.6M | $300K | 50.0% |
| MOVEMENT MORTGAGE, LLC | 2 | $0.5M | $240K | 100.0% |
| ICE LENDER HOLDINGS LLC | 2 | $0.4M | $185K | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | $0.4M | $185K | 50.0% |
| Wells Fargo Bank, National Association | 2 | $0.4M | $180K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 2 | $0.3M | $175K | 50.0% |
| BoxCar Mortgage, LLC | 2 | $0.3M | $165K | 50.0% |
| NEWREZ LLC | 2 | $0.3M | $160K | 50.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | $0.3M | $145K | 100.0% |
| GUARANTEED RATE, INC. | 2 | $0.3M | $135K | 0.0% |
| Citadel Servicing Corporation | 2 | $0.3M | $130K | 50.0% |
| Navy Federal Credit Union | 2 | $0.2M | $120K | 100.0% |
| BELEM SERVICING LLC | 2 | $0.2M | $120K | 100.0% |
| PHH Mortgage Corporation | 2 | $0.2M | $110K | 0.0% |
83 Arizona loans (0.7%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Cochise County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Cochise County CSV, all 25 lenders
What Cochise County's table can't show you: fit. Short-term financing is exempt from HMDA, so Cochise County's fix-and-flip and bridge lenders barely appear among its 45 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 Cochise County, Arizona deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Cochise County, Arizona 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 — Cochise County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 45 lenders and 108 loans: 2025 HMDA loan-level data rolled up to Cochise County.
- Cochise County investor-lender dataset (CSV) — All 25 lenders in the Cochise County, Arizona table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Cochise 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 Sierra Vista-Douglas, AZ MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Cochise 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.