DSCR Loans in Dutchess County, New York
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, 83 lenders made 318 investment-property loans in Dutchess County, 1.4% of New York's total. Dominick Prevete arranges DSCR loans across Dutchess County, New York, 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 $360,000.
Dutchess County investor market at a glance
| Statistic | Dutchess County | New York | County rank |
|---|---|---|---|
| Investor loans | 318 | 22,268 | 17th of 26 |
| Reporting lenders | 83 | 396 | 14th of 26 |
| Loan volume | $107.1M | $11.65B | 16th of 26 |
| Average loan | $337K | $523K | 11th of 26 |
| Median loan | $295K | $405K | 11th of 26 |
| Purchases | 58.8% | 59.1% | 16th of 26 |
| Cash-out refinances | 27.7% | 25.7% | 6th of 26 |
| 2–4 unit properties | 42.1% | 44.0% | 17th of 26 |
| Top five lenders' share | 31.1% | 22.4% | 17th of 26 |
| Reported business-purpose | 84.3% | 85.6% | 14th of 26 |
Dutchess County: closed-end loans on 1–4 unit investment properties. Dutchess County's rank is highest first, among New York's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Dutchess County's investor loans.
What stands out in Dutchess County
27.7% of Dutchess County's investor loans were cash-out refinances, the 6th-highest share of New York's 26 counties with published data (statewide: 25.7%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
Dutchess County's 318 investor loans ranked 17th of New York's 26 counties with published data.
Does a DSCR loan pencil in Dutchess County?
At HUD's fair market rent of $2,685 for a 3-bedroom in Dutchess County, New York, a rental covers its full DSCR payment up to a purchase price of about $360,000, with 20% down at the 7.25% starting rate (November 2026). Dutchess County's median home value is $400,600; at that price the payment is $2,983 a month, so the property would need $3,000 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) | $2,131 / $2,685 / $2,824 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $400,600 |
| Median property taxes and effective rate | $7,562 (1.89% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,983 |
| Rent needed to cover that payment | $3,000 |
| Coverage of a 3-bedroom at fair market rent | 0.90 |
| Highest price a 3-bedroom at fair market rent covers | about $360,000 |
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 Dutchess County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Dutchess County?
The most active investment-property lenders in Dutchess County in 2025 HMDA data were Loan Funder LLC; Logan Finance Corporation; and CROSSCOUNTRY MORTGAGE, INC., out of 83 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 Dutchess County, and matches each file to the one most likely to fund it.
Dutchess County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 318 loans and $107.1M from 83 lenders. Loan Funder LLC led Dutchess County with 36 loans, 11.3% of the county's total, and the average Dutchess County loan of $337K compares with $523K across New York.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Loan Funder LLC | 36 | $12.3M | $342K | 47.2% |
| Logan Finance Corporation | 18 | $7.3M | $404K | 50.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 17 | $5.0M | $294K | 88.2% |
| CHAMPIONS FUNDING, LLC | 15 | $5.9M | $395K | 86.7% |
| HUDSON VALLEY CREDIT UNION | 13 | $3.9M | $303K | 30.8% |
| Kiavi Funding, Inc. | 13 | $3.7M | $288K | 76.9% |
| BPL MORTGAGE TRUST, LLC | 12 | $1.8M | $146K | 91.7% |
| NEWREZ LLC | 11 | $3.4M | $308K | 45.5% |
| Hometown Equity Mortgage, LLC | 9 | $3.4M | $377K | 33.3% |
| MID-HUDSON VALLEY Federal Credit Union | 8 | $2.8M | $351K | 25.0% |
| Rocket Mortgage, LLC | 7 | $2.1M | $295K | 42.9% |
| HOMESTEAD FUNDING CORP. | 7 | $1.9M | $272K | 71.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 7 | $1.8M | $258K | 85.7% |
| JPMorgan Chase Bank, National Association | 5 | $1.8M | $365K | 80.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 5 | $1.5M | $305K | 60.0% |
| Ulster Savings Bank | 5 | $1.2M | $235K | 60.0% |
| Emporium TPO LLC | 4 | $2.0M | $510K | 75.0% |
| Prosperity Home Mortgage, LLC | 4 | $1.8M | $453K | 75.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | $1.4M | $350K | 75.0% |
| TEG Federal Credit Union | 4 | $1.4M | $345K | 100.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | $1.2M | $293K | 100.0% |
| Loandepot.Com, LLC | 4 | $1.1M | $278K | 75.0% |
| EMBRACE HOME LOANS, INC. | 4 | $0.8M | $200K | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | $0.7M | $173K | 0.0% |
| GUARANTEED RATE, INC. | 3 | $2.3M | $758K | 66.7% |
617 New York loans (2.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Dutchess County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Dutchess County CSV, all 25 lenders
What Dutchess County's table can't show you: fit. Short-term financing is exempt from HMDA, so Dutchess County's fix-and-flip and bridge lenders barely appear among its 83 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 Dutchess County, New York deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Dutchess County, New York 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 — Dutchess County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 83 lenders and 318 loans: 2025 HMDA loan-level data rolled up to Dutchess County.
- Dutchess County investor-lender dataset (CSV) — All 25 lenders in the Dutchess County, New York table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Dutchess 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 Kiryas Joel-Poughkeepsie-Newburgh, NY MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Dutchess 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.