DSCR Loans in Coconino County, Arizona
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 102 lenders made 319 investment-property loans in Coconino County, 2.8% of Arizona's total. Dominick Prevete arranges DSCR loans across Coconino 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 $335,000.
Coconino County investor market at a glance
| Statistic | Coconino County | Arizona | County rank |
|---|---|---|---|
| Investor loans | 319 | 11,445 | 6th of 9 |
| Reporting lenders | 102 | 505 | 6th of 9 |
| Loan volume | $176.8M | $4.44B | 5th of 9 |
| Average loan | $554K | $388K | 1st of 9 |
| Median loan | $455K | $295K | 1st of 9 |
| Purchases | 59.2% | 57.8% | 5th of 9 |
| Cash-out refinances | 18.2% | 21.1% | 6th of 9 |
| 2–4 unit properties | 4.7% | 7.1% | 7th of 9 |
| Top five lenders' share | 31.0% | 24.8% | 4th of 9 |
| Reported business-purpose | 69.9% | 68.0% | 2nd of 9 |
Coconino County: closed-end loans on 1–4 unit investment properties. Coconino County's rank is highest first, among Arizona's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Coconino County's investor loans.
What stands out in Coconino County
The median investor loan in Coconino County was $455K, the highest median of Arizona's 9 counties with published data (statewide: $295K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
By share of investor loans reported as business-purpose, Coconino County ranks 2nd-highest of Arizona's 9 counties with published data (statewide: 68.0%).
69.9% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Does a DSCR loan pencil in Coconino County?
At HUD's fair market rent of $2,109 for a 3-bedroom in Coconino County, Arizona, a rental covers its full DSCR payment up to a purchase price of about $335,000, with 20% down at the 7.25% starting rate (November 2026). Coconino County's median home value is $448,000; at that price the payment is $2,803 a month, so the property would need $2,825 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,729 / $2,109 / $2,312 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $448,000 |
| Median property taxes and effective rate | $2,051 (0.46% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,803 |
| Rent needed to cover that payment | $2,825 |
| Coverage of a 3-bedroom at fair market rent | 0.75 |
| Highest price a 3-bedroom at fair market rent covers | about $335,000 |
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 Coconino County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Coconino County?
The most active investment-property lenders in Coconino County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Rocket Mortgage, LLC; and GUILD MORTGAGE COMPANY, out of 102 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 and matches each file to the one most likely to fund it.
Coconino County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 319 loans and $176.8M from 102 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Coconino County with 35 loans, 11.0% of the county's total, and the average Coconino County loan of $554K compares with $388K across Arizona.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 35 | $16.5M | $472K | 51.4% |
| Rocket Mortgage, LLC | 17 | $7.3M | $431K | 58.8% |
| GUILD MORTGAGE COMPANY | 17 | $6.1M | $358K | 70.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 16 | $10.2M | $634K | 43.8% |
| THE LOAN STORE, INC. | 14 | $5.8M | $416K | 71.4% |
| INTERCAP LENDING INC. | 13 | $5.5M | $422K | 92.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 11 | $4.9M | $445K | 63.6% |
| PENNYMAC LOAN SERVICES, LLC | 10 | $5.2M | $521K | 80.0% |
| CMG MORTGAGE, INC. | 8 | $3.8M | $480K | 75.0% |
| STARBOARD FINANCIAL MANAGEMENT, LLC | 8 | $2.8M | $350K | 50.0% |
| MidFirst Bank | 7 | $7.3M | $1041K | 57.1% |
| JPMorgan Chase Bank, National Association | 7 | $5.9M | $846K | 71.4% |
| GUARANTEED RATE, INC. | 6 | $2.9M | $477K | 50.0% |
| Fairway Independent Mortgage Corporation | 5 | $3.3M | $655K | 40.0% |
| OCMBC, INC. | 5 | $3.1M | $625K | 80.0% |
| V.I.P. MORTGAGE, INC. | 5 | $2.0M | $391K | 100.0% |
| U.S. Bank National Association | 4 | $2.4M | $610K | 25.0% |
| Hometown Equity Mortgage, LLC | 4 | $1.4M | $355K | 75.0% |
| OAKTREE FUNDING CORP. | 3 | $4.5M | $1505K | 0.0% |
| MOVEMENT MORTGAGE, LLC | 3 | $2.2M | $722K | 66.7% |
| Emporium TPO LLC | 3 | $2.1M | $695K | 33.3% |
| Citadel Servicing Corporation | 3 | $1.8M | $595K | 33.3% |
| NEWREZ LLC | 3 | $1.8M | $592K | 100.0% |
| NEXERA HOLDING LLC | 3 | $1.7M | $562K | 66.7% |
| NexBank | 3 | $1.7M | $552K | 66.7% |
83 Arizona loans (0.7%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Coconino County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Coconino County CSV, all 25 lenders
What Coconino County's table can't show you: fit. Short-term financing is exempt from HMDA, so Coconino County's fix-and-flip and bridge lenders barely appear among its 102 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 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 Coconino County, Arizona deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Coconino 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 — Coconino County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 102 lenders and 319 loans: 2025 HMDA loan-level data rolled up to Coconino County.
- Coconino County investor-lender dataset (CSV) — All 25 lenders in the Coconino County, Arizona table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Coconino 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 Flagstaff, AZ MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Coconino 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.