DSCR Loans in Daviess County, Kentucky
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 35 lenders made 186 investment-property loans in Daviess County, 2.4% of Kentucky's total. Dominick Prevete arranges DSCR loans across Daviess County, Kentucky, 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 $225,000.
Daviess County investor market at a glance
| Statistic | Daviess County | Kentucky | County rank |
|---|---|---|---|
| Investor loans | 186 | 7,902 | 7th of 14 |
| Reporting lenders | 35 | 369 | 12th of 14 |
| Loan volume | $29.3M | $1.53B | 10th of 14 |
| Average loan | $157K | $193K | 12th of 14 |
| Median loan | $125K | $155K | 13th of 14 |
| Purchases | 69.9% | 58.5% | 3rd of 14 |
| Cash-out refinances | 9.7% | 12.4% | 7th of 14 |
| 2–4 unit properties | 19.4% | 19.3% | 9th of 14 |
| Top five lenders' share | 71.5% | 15.4% | 2nd of 14 |
| Reported business-purpose | 75.8% | 60.6% | 4th of 14 |
Daviess County: closed-end loans on 1–4 unit investment properties. Daviess County's rank is highest first, among Kentucky's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Daviess County's investor loans.
What stands out in Daviess County
The median investor loan in Daviess County was $125K, the 2nd-lowest median of Kentucky's 14 counties with published data (statewide: $155K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
The five most active lenders wrote 71.5% of Daviess County's investor loans, the 2nd-highest share of Kentucky's 14 counties with published data (statewide: 15.4%).
Five lenders write 71.5% of the loans here, so comparing written term sheets matters more.
69.9% of Daviess County's investor loans were purchases, the 3rd-highest share of Kentucky's 14 counties with published data (statewide: 58.5%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
Does a DSCR loan pencil in Daviess County?
At HUD's fair market rent of $1,507 for a 3-bedroom in Daviess County, Kentucky, a rental covers its full DSCR payment up to a purchase price of about $225,000, with 20% down at the 7.25% starting rate (November 2026). Daviess County's median home value is $199,900; at that price the payment is $1,314 a month, so the property would need $1,325 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) | $1,138 / $1,507 / $1,516 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $199,900 |
| Median property taxes and effective rate | $1,675 (0.84% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,314 |
| Rent needed to cover that payment | $1,325 |
| Coverage of a 3-bedroom at fair market rent | 1.15 |
| Highest price a 3-bedroom at fair market rent covers | about $225,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $345,000 |
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 Daviess County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Daviess County?
The most active investment-property lenders in Daviess County in 2025 HMDA data were Independence Bank of Kentucky; SOUTH CENTRAL BANK, INC.; and Liberty, out of 35 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 Daviess County, and matches each file to the one most likely to fund it.
Daviess County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 186 loans and $29.3M from 35 lenders. Independence Bank of Kentucky led Daviess County with 42 loans, 22.6% of the county's total, and the average Daviess County loan of $157K compares with $193K across Kentucky.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Independence Bank of Kentucky | 42 | $6.3M | $149K | 64.3% |
| SOUTH CENTRAL BANK, INC. | 29 | $4.8M | $165K | 75.9% |
| Liberty | 29 | $2.7M | $93K | 89.7% |
| German American Bank | 19 | $2.0M | $105K | 78.9% |
| United Wholesale Mortgage | 14 | $1.9M | $138K | 28.6% |
| First United Bank and Trust Company | 9 | $1.4M | $159K | 77.8% |
| Heritage Federal Credit Union | 4 | $3.1M | $770K | 25.0% |
| Old National Bank | 4 | $1.4M | $353K | 75.0% |
| U.S. Bank National Association | 3 | $0.4M | $138K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | $0.3M | $112K | 33.3% |
| FIELD & MAIN BANK, INC. | 2 | $0.5M | $245K | 100.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | $0.3M | $150K | 50.0% |
| ONY GLO, INC. | 2 | $0.3M | $130K | 0.0% |
| Rocket Mortgage, LLC | 2 | $0.2M | $95K | 50.0% |
| The Sacramento Deposit Bank | 2 | $0.2M | $85K | 100.0% |
| City National Bank of West Virginia | 1 | $0.5M | $455K | 100.0% |
| City National Bank | 1 | $0.4M | $435K | 100.0% |
| Franklin Bank & Trust Company | 1 | $0.3M | $315K | 100.0% |
| Farm Credit Mid-America | 1 | $0.3M | $255K | 100.0% |
| Banterra Bank | 1 | $0.2M | $195K | 0.0% |
| General Mortgage Capital Corporation | 1 | $0.2M | $185K | 100.0% |
| Luminate Bank | 1 | $0.2M | $175K | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 1 | $0.2M | $165K | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | $0.2M | $155K | 100.0% |
| A&D Mortgage LLC | 1 | $0.1M | $145K | 100.0% |
117 Kentucky loans (1.5%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Daviess County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Daviess County CSV, all 25 lenders
What Daviess County's table can't show you: fit. Short-term financing is exempt from HMDA, so Daviess County's fix-and-flip and bridge lenders barely appear among its 35 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 →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Daviess County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Daviess County |
|---|---|---|---|
| Vanderburgh County, IN | 396 | 68 | About 35 miles away |
| Hardin County, KY | 262 | 54 | About 60 miles away |
| Christian County, KY | 159 | 36 | About 60 miles away |
| Warren County, KY | 414 | 58 | About 65 miles away |
Run the coverage test on your Daviess County, Kentucky deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Daviess County, Kentucky 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 — Daviess County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 35 lenders and 186 loans: 2025 HMDA loan-level data rolled up to Daviess County.
- Daviess County investor-lender dataset (CSV) — All 25 lenders in the Daviess County, Kentucky table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Daviess 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 Owensboro, KY MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Daviess 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.