DSCR Loans in Douglas County, Kansas
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 74 lenders made 306 investment-property loans in Douglas County, 4.9% of Kansas's total. Dominick Prevete arranges DSCR loans across Douglas County, Kansas, 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 $255,000.
Douglas County investor market at a glance
| Statistic | Douglas County | Kansas | County rank |
|---|---|---|---|
| Investor loans | 306 | 6,189 | 5th of 9 |
| Reporting lenders | 74 | 354 | 4th of 9 |
| Loan volume | $68.4M | $1.11B | 4th of 9 |
| Average loan | $223K | $180K | 2nd of 9 |
| Median loan | $195K | $135K | 2nd of 9 |
| Purchases | 67.3% | 57.5% | 2nd of 9 |
| Cash-out refinances | 6.2% | 11.8% | 8th of 9 |
| 2–4 unit properties | 21.6% | 20.4% | 4th of 9 |
| Top five lenders' share | 48.7% | 18.4% | 5th of 9 |
| Reported business-purpose | 58.8% | 58.9% | 6th of 9 |
Douglas County: closed-end loans on 1–4 unit investment properties. Douglas County's rank is highest first, among Kansas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Douglas County's investor loans.
What stands out in Douglas County
The median investor loan in Douglas County was $195K, the 2nd-highest median of Kansas's 9 counties with published data (statewide: $135K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
67.3% of Douglas County's investor loans were purchases, the 2nd-highest share of Kansas's 9 counties with published data (statewide: 57.5%).
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.
6.2% of Douglas County's investor loans were cash-out refinances, the 2nd-lowest share of Kansas's 9 counties with published data (statewide: 11.8%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
Does a DSCR loan pencil in Douglas County?
At HUD's fair market rent of $1,761 for a 3-bedroom in Douglas County, Kansas, a rental covers its full DSCR payment up to a purchase price of about $255,000, with 20% down at the 7.25% starting rate (November 2026). Douglas County's median home value is $309,400; at that price the payment is $2,132 a month, so the property would need $2,150 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) | $1,272 / $1,761 / $2,126 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $309,400 |
| Median property taxes and effective rate | $3,776 (1.22% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,132 |
| Rent needed to cover that payment | $2,150 |
| Coverage of a 3-bedroom at fair market rent | 0.83 |
| Highest price a 3-bedroom at fair market rent covers | about $255,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $365,000 |
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 Douglas County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Douglas County?
The most active investment-property lenders in Douglas County in 2025 HMDA data were Mid-America Bank; Great American Bank; and Rocket Mortgage, LLC, out of 74 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 Douglas County, and matches each file to the one most likely to fund it.
Douglas County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 306 loans and $68.4M from 74 lenders. Mid-America Bank led Douglas County with 59 loans, 19.3% of the county's total, and the average Douglas County loan of $223K compares with $180K across Kansas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Mid-America Bank | 59 | $12.1M | $206K | 66.1% |
| Great American Bank | 37 | $9.3M | $251K | 43.2% |
| Rocket Mortgage, LLC | 20 | $3.7M | $187K | 15.0% |
| Fairway Independent Mortgage Corporation | 17 | $3.8M | $224K | 94.1% |
| Silver Lake Bank | 16 | $3.7M | $229K | 62.5% |
| Kiavi Funding, Inc. | 14 | $3.1M | $224K | 100.0% |
| First State Bank and Trust | 13 | $3.2M | $248K | 69.2% |
| BPL MORTGAGE TRUST, LLC | 10 | $1.6M | $161K | 90.0% |
| Truity Federal Credit Union | 7 | $2.3M | $328K | 42.9% |
| Emprise Bank | 5 | $1.9M | $381K | 100.0% |
| Landmark National Bank | 5 | $1.0M | $195K | 60.0% |
| Bell Bank | 4 | $1.1M | $278K | 100.0% |
| NBH Bank | 4 | $0.8M | $190K | 100.0% |
| Community National Bank | 4 | $0.6M | $143K | 50.0% |
| Capitol Federal Savings Bank | 3 | $1.3M | $428K | 66.7% |
| Farmers Bank & Trust | 3 | $0.7M | $235K | 100.0% |
| The Central Trust Bank | 3 | $0.6M | $215K | 100.0% |
| Truist Bank | 3 | $0.6M | $212K | 33.3% |
| CoreFirst Bank & Trust | 3 | $0.6M | $205K | 66.7% |
| COMMUNITYAMERICA FEDERAL CREDIT UNION | 3 | $0.6M | $202K | 100.0% |
| Sunflower Bank, National Association | 3 | $0.6M | $195K | 33.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | $0.4M | $148K | 100.0% |
| U.S. Bank National Association | 3 | $0.4M | $132K | 33.3% |
| KIND LENDING, LLC | 2 | $0.8M | $390K | 100.0% |
| Washington County Bank | 2 | $0.5M | $270K | 100.0% |
139 Kansas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Douglas County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Douglas County CSV, all 25 lenders
What Douglas County's table can't show you: fit. Short-term financing is exempt from HMDA, so Douglas County's fix-and-flip and bridge lenders barely appear among its 74 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 Douglas County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Douglas County |
|---|---|---|---|
| Leavenworth County, KS | 131 | 57 | Borders Douglas County |
| Johnson County, KS | 922 | 171 | Borders Douglas County |
| Shawnee County, KS | 482 | 57 | Borders Douglas County |
| Wyandotte County, KS | 483 | 109 | About 30 miles away |
| Riley County, KS | 159 | 49 | About 80 miles away |
Run the coverage test on your Douglas County, Kansas deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Douglas County, Kansas 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 — Douglas County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 74 lenders and 306 loans: 2025 HMDA loan-level data rolled up to Douglas County.
- Douglas County investor-lender dataset (CSV) — All 25 lenders in the Douglas County, Kansas table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Douglas 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 Lawrence, KS MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Douglas 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.