DSCR Loans in Contra Costa County, California
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 190 lenders made 1,268 investment-property loans in Contra Costa County, 2.3% of California's total. Dominick Prevete arranges DSCR loans across Contra Costa County, California, 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 $545,000.
Contra Costa County investor market at a glance
| Statistic | Contra Costa County | California | County rank |
|---|---|---|---|
| Investor loans | 1,268 | 54,410 | 12th of 39 |
| Reporting lenders | 190 | 630 | 9th of 39 |
| Loan volume | $709.6M | $37.12B | 11th of 39 |
| Average loan | $560K | $682K | 18th of 39 |
| Median loan | $475K | $485K | 17th of 39 |
| Purchases | 52.1% | 51.1% | 20th of 39 |
| Cash-out refinances | 22.6% | 25.6% | 29th of 39 |
| 2–4 unit properties | 10.8% | 16.6% | 28th of 39 |
| Top five lenders' share | 27.1% | 23.2% | 28th of 39 |
| Reported business-purpose | 72.1% | 71.2% | 15th of 39 |
Contra Costa County: closed-end loans on 1–4 unit investment properties. Contra Costa County's rank is highest first, among California's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Contra Costa County's investor loans.
What stands out in Contra Costa County
Contra Costa County's 1,268 investor loans ranked 12th of California's 39 counties with published data.
Does a DSCR loan pencil in Contra Costa County?
At HUD's fair market rent of $3,592 for a 3-bedroom in Contra Costa County, California, a rental covers its full DSCR payment up to a purchase price of about $545,000, with 20% down at the 7.25% starting rate (November 2026). Contra Costa County's median home value is $866,800; at that price the payment is $5,688 a month, so the property would need $5,700 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) | $2,805 / $3,592 / $4,250 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $866,800 |
| Median property taxes and effective rate | $7,156 (0.83% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $5,688 |
| Rent needed to cover that payment | $5,700 |
| Coverage of a 3-bedroom at fair market rent | 0.63 |
| Highest price a 3-bedroom at fair market rent covers | about $545,000 |
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 Contra Costa County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Contra Costa County?
The most active investment-property lenders in Contra Costa County in 2025 HMDA data were Kiavi Funding, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and CONVENTUS LLC, out of 190 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 Contra Costa County, and matches each file to the one most likely to fund it.
Contra Costa County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,268 loans and $709.6M from 190 lenders. Kiavi Funding, Inc. led Contra Costa County with 118 loans, 9.3% of the county's total, and the average Contra Costa County loan of $560K compares with $682K across California.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 118 | $86.8M | $736K | 96.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 70 | $35.5M | $507K | 41.4% |
| CONVENTUS LLC | 61 | $50.3M | $825K | 80.3% |
| Rocket Mortgage, LLC | 57 | $26.5M | $465K | 50.9% |
| THE LOAN STORE, INC. | 37 | $18.5M | $501K | 37.8% |
| PENNYMAC LOAN SERVICES, LLC | 34 | $18.9M | $556K | 50.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 29 | $17.2M | $592K | 79.3% |
| U.S. Bank National Association | 29 | $15.2M | $525K | 51.7% |
| JPMorgan Chase Bank, National Association | 26 | $13.8M | $530K | 50.0% |
| Wells Fargo Bank, National Association | 25 | $14.4M | $577K | 72.0% |
| CHAMPIONS FUNDING, LLC | 22 | $11.5M | $524K | 31.8% |
| OCMBC, INC. | 22 | $8.4M | $383K | 31.8% |
| GOOGAIN, INC. | 21 | $9.0M | $430K | 28.6% |
| Citadel Servicing Corporation | 20 | $11.2M | $561K | 35.0% |
| General Mortgage Capital Corporation | 20 | $9.4M | $473K | 40.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 20 | $7.5M | $374K | 35.0% |
| AMERITRUST MORTGAGE CORPORATION | 19 | $13.4M | $703K | 36.8% |
| Commerce Home Mortgage, Inc. | 16 | $9.7M | $605K | 50.0% |
| GUARANTEED RATE, INC. | 15 | $7.5M | $497K | 33.3% |
| HOMEXPRESS MORTGAGE CORP. | 15 | $7.3M | $487K | 46.7% |
| Fidelity Lending Solutions, Inc. | 15 | $6.5M | $432K | 53.3% |
| AMWEST FUNDING CORP. | 15 | $6.0M | $398K | 26.7% |
| CMG MORTGAGE, INC. | 14 | $10.7M | $765K | 50.0% |
| NEWREZ LLC | 14 | $8.0M | $569K | 78.6% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 12 | $7.8M | $648K | 25.0% |
1,726 California loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Contra Costa County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Contra Costa County CSV, all 25 lenders
What Contra Costa County's table can't show you: fit. Short-term financing is exempt from HMDA, so Contra Costa County's fix-and-flip and bridge lenders barely appear among its 190 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 Contra Costa County, California deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Contra Costa County, California 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 — Contra Costa County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 190 lenders and 1,268 loans: 2025 HMDA loan-level data rolled up to Contra Costa County.
- Contra Costa County investor-lender dataset (CSV) — All 25 lenders in the Contra Costa County, California table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Contra Costa 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 Oakland-Fremont, CA HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Contra Costa 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.