DSCR Loans in Delaware County, Ohio
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, 76 lenders made 222 investment-property loans in Delaware County, 1.0% of Ohio's total. Dominick Prevete arranges DSCR loans across Delaware 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 $260,000.
Delaware County investor market at a glance
| Statistic | Delaware County | Ohio | County rank |
|---|---|---|---|
| Investor loans | 222 | 21,703 | 15th of 30 |
| Reporting lenders | 76 | 551 | 12th of 30 |
| Loan volume | $71.7M | $3.64B | 10th of 30 |
| Average loan | $323K | $168K | 1st of 30 |
| Median loan | $285K | $135K | 1st of 30 |
| Purchases | 65.8% | 59.1% | 12th of 30 |
| Cash-out refinances | 9.9% | 20.0% | 29th of 30 |
| 2–4 unit properties | 10.4% | 23.7% | 28th of 30 |
| Top five lenders' share | 30.2% | 28.8% | 29th of 30 |
| Reported business-purpose | 55.9% | 76.4% | 26th of 30 |
Delaware County: closed-end loans on 1–4 unit investment properties. Delaware County's rank is highest first, among Ohio's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Delaware County's investor loans.
What stands out in Delaware County
The median investor loan in Delaware County was $285K, the 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.
9.9% of Delaware County's investor loans were cash-out refinances, the 2nd-lowest share of Ohio's 30 counties with published data (statewide: 20.0%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
The five most active lenders wrote 30.2% of Delaware County's investor loans, the 2nd-lowest share of Ohio's 30 counties with published data (statewide: 28.8%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
Does a DSCR loan pencil in Delaware County?
At HUD's fair market rent of $1,909 for a 3-bedroom in Delaware County, Ohio, a rental covers its full DSCR payment up to a purchase price of about $260,000, with 20% down at the 7.25% starting rate (November 2026). Delaware County's median home value is $445,500; at that price the payment is $3,211 a month, so the property would need $3,225 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) | $1,602 / $1,909 / $2,172 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $445,500 |
| Median property taxes and effective rate | $7,132 (1.60% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,211 |
| Rent needed to cover that payment | $3,225 |
| Coverage of a 3-bedroom at fair market rent | 0.59 |
| Highest price a 3-bedroom at fair market rent covers | about $260,000 |
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 Delaware County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Delaware County?
The most active investment-property lenders in Delaware County in 2025 HMDA data were Kiavi Funding, Inc.; EQUITY RESOURCES, INC.; and General Mortgage Capital Corporation, out of 76 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 two that reported in Delaware County, and matches each file to the one most likely to fund it.
Delaware County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 222 loans and $71.7M from 76 lenders. Kiavi Funding, Inc. led Delaware County with 21 loans, 9.5% of the county's total, and the average Delaware County loan of $323K compares with $168K across Ohio.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 21 | $6.7M | $321K | 76.2% |
| EQUITY RESOURCES, INC. | 16 | $4.8M | $298K | 25.0% |
| General Mortgage Capital Corporation | 11 | $3.4M | $310K | 63.6% |
| NFM, INC. | 10 | $2.5M | $251K | 100.0% |
| JPMorgan Chase Bank, National Association | 9 | $2.2M | $239K | 88.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 7 | $2.8M | $395K | 71.4% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 7 | $1.9M | $278K | 42.9% |
| Rocket Mortgage, LLC | 6 | $1.8M | $300K | 33.3% |
| Fidelity Federal Savings and Loan Association Of Delaware | 6 | $1.6M | $262K | 0.0% |
| The First Citizens National Bank of Upper Sandusky | 5 | $2.8M | $569K | 40.0% |
| M/I FINANCIAL, LLC | 5 | $1.7M | $331K | 100.0% |
| Union Savings Bank | 5 | $1.6M | $311K | 40.0% |
| THE LOAN STORE, INC. | 5 | $1.5M | $291K | 60.0% |
| PENNYMAC LOAN SERVICES, LLC | 5 | $1.1M | $211K | 60.0% |
| DEVELOPER'S MORTGAGE COMPANY | 4 | $1.4M | $363K | 100.0% |
| PULTE MORTGAGE LLC | 4 | $1.3M | $325K | 100.0% |
| CHAMPIONS FUNDING, LLC | 4 | $1.3M | $323K | 75.0% |
| Fifth Third Bank, National Association | 3 | $6.1M | $2038K | 33.3% |
| First Federal Savings and Loan Association of Lakewood | 3 | $1.1M | $368K | 100.0% |
| GUARANTEED RATE, INC. | 3 | $1.0M | $325K | 66.7% |
| FIRST OHIO HOME FINANCE, INC. | 3 | $0.9M | $308K | 33.3% |
| DHI MORTGAGE COMPANY, LTD. | 3 | $0.8M | $262K | 100.0% |
| THE EQUITABLE MORTGAGE CORPORATION | 3 | $0.7M | $238K | 66.7% |
| The Union Bank Company | 3 | $0.7M | $228K | 33.3% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | $1.1M | $535K | 0.0% |
1,125 Ohio loans (5.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Delaware County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Delaware County CSV, all 25 lenders
What Delaware County's table can't show you: fit. Short-term financing is exempt from HMDA, so Delaware County's fix-and-flip and bridge lenders barely appear among its 76 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 Delaware County, Ohio deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Delaware 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 — Delaware County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 76 lenders and 222 loans: 2025 HMDA loan-level data rolled up to Delaware County.
- Delaware County investor-lender dataset (CSV) — All 25 lenders in the Delaware County, Ohio table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Delaware 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 Columbus, OH HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Delaware 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.