DSCR Loans in Deschutes County, Oregon
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 112 lenders made 411 investment-property loans in Deschutes County, 8.4% of Oregon's total. Dominick Prevete arranges DSCR loans across Deschutes County, Oregon, 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 $410,000.
Deschutes County investor market at a glance
| Statistic | Deschutes County | Oregon | County rank |
|---|---|---|---|
| Investor loans | 411 | 4,893 | 4th of 11 |
| Reporting lenders | 112 | 316 | 4th of 11 |
| Loan volume | $190.1M | $1.80B | 4th of 11 |
| Average loan | $462K | $368K | 2nd of 11 |
| Median loan | $405K | $325K | 1st of 11 |
| Purchases | 65.2% | 56.3% | 2nd of 11 |
| Cash-out refinances | 20.9% | 23.2% | 9th of 11 |
| 2–4 unit properties | 12.4% | 19.1% | 9th of 11 |
| Top five lenders' share | 26.8% | 16.4% | 4th of 11 |
| Reported business-purpose | 72.0% | 71.8% | 6th of 11 |
Deschutes County: closed-end loans on 1–4 unit investment properties. Deschutes County's rank is highest first, among Oregon's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Deschutes County's investor loans.
What stands out in Deschutes County
The median investor loan in Deschutes County was $405K, the highest median of Oregon's 11 counties with published data (statewide: $325K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
65.2% of Deschutes County's investor loans were purchases, the 2nd-highest share of Oregon's 11 counties with published data (statewide: 56.3%).
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 Deschutes County?
At HUD's fair market rent of $2,621 for a 3-bedroom in Deschutes County, Oregon, a rental covers its full DSCR payment up to a purchase price of about $410,000, with 20% down at the 7.25% starting rate (November 2026). Deschutes County's median home value is $650,900; at that price the payment is $4,141 a month, so the property would need $4,150 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) | $1,893 / $2,621 / $3,164 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $650,900 |
| Median property taxes and effective rate | $3,807 (0.58% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $4,141 |
| Rent needed to cover that payment | $4,150 |
| Coverage of a 3-bedroom at fair market rent | 0.63 |
| Highest price a 3-bedroom at fair market rent covers | about $410,000 |
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 Deschutes County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Deschutes County?
The most active investment-property lenders in Deschutes County in 2025 HMDA data were THE LOAN STORE, INC.; KIND LENDING, LLC; and United Wholesale Mortgage, out of 112 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.
Deschutes County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 411 loans and $190.1M from 112 lenders. THE LOAN STORE, INC. led Deschutes County with 31 loans, 7.5% of the county's total, and the average Deschutes County loan of $462K compares with $368K across Oregon.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| THE LOAN STORE, INC. | 31 | $16.0M | $516K | 64.5% |
| KIND LENDING, LLC | 28 | $12.5M | $447K | 82.1% |
| United Wholesale Mortgage | 19 | $11.7M | $615K | 42.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 18 | $9.7M | $539K | 77.8% |
| Commerce Home Mortgage, Inc. | 14 | $8.9M | $636K | 71.4% |
| NEWREZ LLC | 14 | $6.3M | $451K | 92.9% |
| GUARANTEED RATE, INC. | 12 | $5.6M | $463K | 75.0% |
| PENNYMAC LOAN SERVICES, LLC | 11 | $5.5M | $503K | 72.7% |
| ONPOINT COMMUNITY CREDIT UNION | 8 | $4.3M | $543K | 75.0% |
| Rocket Mortgage, LLC | 8 | $4.2M | $530K | 62.5% |
| DHI MORTGAGE COMPANY, LTD. | 8 | $3.5M | $434K | 100.0% |
| Hometown Equity Mortgage, LLC | 8 | $3.4M | $421K | 37.5% |
| CMG MORTGAGE, INC. | 8 | $2.6M | $326K | 87.5% |
| NATIONS DIRECT MORTGAGE, LLC | 7 | $3.3M | $472K | 85.7% |
| Loandepot.Com, LLC | 7 | $3.3M | $469K | 85.7% |
| U.S. Bank National Association | 7 | $3.0M | $425K | 42.9% |
| MOVEMENT MORTGAGE, LLC | 6 | $2.4M | $395K | 50.0% |
| Citadel Servicing Corporation | 5 | $2.5M | $493K | 40.0% |
| GUILD MORTGAGE COMPANY | 5 | $2.1M | $417K | 80.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 5 | $2.0M | $401K | 80.0% |
| ARC HOME LLC | 5 | $1.9M | $385K | 0.0% |
| JPMorgan Chase Bank, National Association | 5 | $1.8M | $359K | 60.0% |
| LENDSURE MORTGAGE CORP. | 5 | $1.3M | $259K | 80.0% |
| DIRECTORS MORTGAGE, INC. | 5 | $1.3M | $259K | 40.0% |
| Wells Fargo Bank, National Association | 5 | $1.2M | $243K | 80.0% |
130 Oregon loans (2.7%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Deschutes County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Deschutes County CSV, all 25 lenders
What Deschutes County's table can't show you: fit. Short-term financing is exempt from HMDA, so Deschutes County's fix-and-flip and bridge lenders barely appear among its 112 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 →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 Deschutes County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Deschutes County |
|---|---|---|---|
| Lane County, OR | 387 | 109 | Borders Deschutes County |
| Linn County, OR | 134 | 59 | Borders Deschutes County |
| Marion County, OR | 355 | 102 | About 95 miles away |
| Clackamas County, OR | 429 | 122 | About 100 miles away |
| Jackson County, OR | 307 | 71 | About 125 miles away |
| Canyon County, ID | 372 | 98 | About 225 miles away |
Run the coverage test on your Deschutes County, Oregon deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Deschutes County, Oregon 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 — Deschutes County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 112 lenders and 411 loans: 2025 HMDA loan-level data rolled up to Deschutes County.
- Deschutes County investor-lender dataset (CSV) — All 25 lenders in the Deschutes County, Oregon table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Deschutes 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 Bend-Redmond, OR HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Deschutes 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.