DSCR Loans in East Baton Rouge Parish, Louisiana
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 150 lenders made 999 investment-property loans in East Baton Rouge Parish, 12.1% of Louisiana's total. Dominick Prevete arranges DSCR loans across East Baton Rouge Parish, Louisiana, 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.
See which lenders are most active in East Baton Rouge Parish →
East Baton Rouge Parish investor market at a glance
| Statistic | East Baton Rouge Parish | Louisiana | County rank |
|---|---|---|---|
| Investor loans | 999 | 8,254 | 1st of 17 |
| Reporting lenders | 150 | 337 | 1st of 17 |
| Loan volume | $168.7M | $1.46B | 2nd of 17 |
| Average loan | $169K | $177K | 9th of 17 |
| Median loan | $135K | $125K | 7th of 17 |
| Purchases | 51.1% | 47.7% | 8th of 17 |
| Cash-out refinances | 15.0% | 13.1% | 4th of 17 |
| 2–4 unit properties | 12.7% | 23.6% | 13th of 17 |
| Top five lenders' share | 27.1% | 16.0% | 17th of 17 |
| Reported business-purpose | 51.9% | 46.3% | 6th of 17 |
East Baton Rouge Parish: closed-end loans on 1–4 unit investment properties. East Baton Rouge Parish's rank is highest first, among Louisiana's counties with at least 100 investor loans and 25 reporting lenders. Shares are of East Baton Rouge Parish's investor loans.
What stands out in East Baton Rouge Parish
The five most active lenders wrote 27.1% of East Baton Rouge Parish's investor loans, the lowest share of Louisiana's 17 counties with published data (statewide: 16.0%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
15.0% of East Baton Rouge Parish's investor loans were cash-out refinances, the 4th-highest share of Louisiana's 17 counties with published data (statewide: 13.1%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
Does a DSCR loan pencil in East Baton Rouge Parish?
At HUD's fair market rent of $1,456 for a 3-bedroom in East Baton Rouge Parish, Louisiana, 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). East Baton Rouge Parish's median home value is $248,800; at that price the payment is $1,599 a month, so the property would need $1,600 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) | $1,149 / $1,456 / $1,842 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $248,800 |
| Median property taxes and effective rate | $1,656 (0.67% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,599 |
| Rent needed to cover that payment | $1,600 |
| Coverage of a 3-bedroom at fair market rent | 0.91 |
| Highest price a 3-bedroom at fair market rent covers | about $225,000 |
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 East Baton Rouge Parish's numbers in the calculator below →
Who are the DSCR and investment-property lenders in East Baton Rouge Parish?
The most active investment-property lenders in East Baton Rouge Parish in 2025 HMDA data were United Wholesale Mortgage, Synergy Bank and Landmark Bank, out of 150 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 East Baton Rouge Parish, and matches each file to the one most likely to fund it.
East Baton Rouge Parish's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 999 loans and $168.7M from 150 lenders. United Wholesale Mortgage led East Baton Rouge Parish with 75 loans, 7.5% of the county's total, and the average East Baton Rouge Parish loan of $169K compares with $177K across Louisiana.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| United Wholesale Mortgage | 75 | $8.9M | $118K | 69.3% |
| Synergy Bank | 66 | $7.0M | $106K | 19.7% |
| Landmark Bank | 50 | $7.2M | $145K | 48.0% |
| BankPlus | 44 | $9.2M | $208K | 31.8% |
| Assurance Financial Group, L.L.C. | 36 | $8.5M | $237K | 44.4% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 28 | $5.0M | $177K | 3.6% |
| Kiavi Funding, Inc. | 28 | $3.6M | $128K | 42.9% |
| EUSTIS MORTGAGE CORPORATION | 25 | $3.5M | $141K | 36.0% |
| The Cottonport Bank | 23 | $3.0M | $128K | 26.1% |
| Citizens Bank & Trust Company | 22 | $3.4M | $154K | 59.1% |
| BPL MORTGAGE TRUST, LLC | 21 | $3.1M | $147K | 33.3% |
| b1BANK | 20 | $4.4M | $219K | 20.0% |
| Guaranty Bank and Trust Company | 20 | $2.1M | $104K | 15.0% |
| Gulf Coast Bank and Trust Company | 19 | $5.7M | $300K | 84.2% |
| GMFS LLC | 18 | $3.5M | $196K | 77.8% |
| HANCOCK WHITNEY BANK | 18 | $2.4M | $135K | 77.8% |
| Synergy One Lending, Inc. | 17 | $3.1M | $185K | 94.1% |
| Rocket Mortgage, LLC | 16 | $2.5M | $158K | 56.2% |
| Bank of Zachary | 16 | $2.5M | $153K | 43.8% |
| Loan Funder LLC | 16 | $1.8M | $114K | 25.0% |
| Red River Bank | 15 | $4.8M | $318K | 66.7% |
| Commerce Home Mortgage, Inc. | 15 | $3.1M | $204K | 26.7% |
| AML FUNDING LLC | 15 | $2.2M | $144K | 73.3% |
| THE LOAN STORE, INC. | 14 | $2.3M | $161K | 78.6% |
| Investar Bank, National Association | 13 | $3.0M | $227K | 76.9% |
136 Louisiana loans (1.6%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for East Baton Rouge Parish: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · East Baton Rouge Parish CSV, all 25 lenders
What East Baton Rouge Parish's table can't show you: fit. Short-term financing is exempt from HMDA, so East Baton Rouge Parish's fix-and-flip and bridge lenders barely appear among its 150 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 East Baton Rouge Parish with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from East Baton Rouge Parish |
|---|---|---|---|
| Livingston Parish, LA | 125 | 56 | Borders East Baton Rouge Parish |
| Ascension Parish, LA | 142 | 62 | Borders East Baton Rouge Parish |
| Tangipahoa Parish, LA | 160 | 58 | About 40 miles away |
| Lafayette Parish, LA | 542 | 95 | About 60 miles away |
| Iberia Parish, LA | 102 | 26 | About 80 miles away |
| Rapides Parish, LA | 311 | 33 | About 95 miles away |
Run the coverage test on your East Baton Rouge Parish, Louisiana deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an East Baton Rouge Parish, Louisiana 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 — East Baton Rouge Parish's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 150 lenders and 999 loans: 2025 HMDA loan-level data rolled up to East Baton Rouge Parish.
- East Baton Rouge Parish investor-lender dataset (CSV) — All 25 lenders in the East Baton Rouge Parish, Louisiana table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — East Baton Rouge Parish'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 Baton Rouge, LA HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — East Baton Rouge Parish'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.