DSCR Loans in El Dorado County, California
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 109 lenders made 305 investment-property loans in El Dorado County, 0.6% of California's total. Dominick Prevete arranges DSCR loans across El Dorado County, California, 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 $445,000.
El Dorado County investor market at a glance
| Statistic | El Dorado County | California | County rank |
|---|---|---|---|
| Investor loans | 305 | 54,410 | 25th of 39 |
| Reporting lenders | 109 | 630 | 23rd of 39 |
| Loan volume | $173.7M | $37.12B | 25th of 39 |
| Average loan | $570K | $682K | 16th of 39 |
| Median loan | $425K | $485K | 18th of 39 |
| Purchases | 55.1% | 51.1% | 15th of 39 |
| Cash-out refinances | 21.6% | 25.6% | 31st of 39 |
| 2–4 unit properties | 9.5% | 16.6% | 32nd of 39 |
| Top five lenders' share | 30.2% | 23.2% | 18th of 39 |
| Reported business-purpose | 64.9% | 71.2% | 32nd of 39 |
El Dorado County: closed-end loans on 1–4 unit investment properties. El Dorado County's rank is highest first, among California's counties with at least 100 investor loans and 25 reporting lenders. Shares are of El Dorado County's investor loans.
What stands out in El Dorado County
64.9% of El Dorado County's investor loans were reported as business-purpose, the 8th-lowest share of California's 39 counties with published data (statewide: 71.2%).
Fewer investor loans here were reported as business-purpose than in most of California. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
9.5% of El Dorado County's investor loans financed a 2–4 unit property, the 8th-lowest share of California's 39 counties with published data (statewide: 16.6%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
21.6% of El Dorado County's investor loans were cash-out refinances, the 9th-lowest share of California's 39 counties with published data (statewide: 25.6%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
Does a DSCR loan pencil in El Dorado County?
At HUD's fair market rent of $2,887 for a 3-bedroom in El Dorado County, California, a rental covers its full DSCR payment up to a purchase price of about $445,000, with 20% down at the 7.25% starting rate (November 2026). El Dorado County's median home value is $679,900; at that price the payment is $4,390 a month, so the property would need $4,400 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) | $2,201 / $2,887 / $3,329 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $679,900 |
| Median property taxes and effective rate | $4,753 (0.70% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $4,390 |
| Rent needed to cover that payment | $4,400 |
| Coverage of a 3-bedroom at fair market rent | 0.66 |
| Highest price a 3-bedroom at fair market rent covers | about $445,000 |
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 El Dorado County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in El Dorado County?
The most active investment-property lenders in El Dorado County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; THE LOAN STORE, INC.; and Rocket Mortgage, LLC, out of 109 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 El Dorado County, and matches each file to the one most likely to fund it.
El Dorado County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 305 loans and $173.7M from 109 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led El Dorado County with 26 loans, 8.5% of the county's total, and the average El Dorado County loan of $570K compares with $682K across California.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 26 | $14.7M | $565K | 61.5% |
| THE LOAN STORE, INC. | 25 | $10.9M | $436K | 76.0% |
| Rocket Mortgage, LLC | 16 | $7.3M | $459K | 37.5% |
| Kiavi Funding, Inc. | 14 | $7.1M | $509K | 92.9% |
| NEWREZ LLC | 11 | $3.1M | $285K | 45.5% |
| HOMEXPRESS MORTGAGE CORP. | 10 | $6.9M | $694K | 20.0% |
| KIND LENDING, LLC | 10 | $3.8M | $382K | 40.0% |
| GUILD MORTGAGE COMPANY | 9 | $2.9M | $318K | 44.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 7 | $3.1M | $448K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 6 | $3.0M | $502K | 66.7% |
| Loandepot.Com, LLC | 6 | $2.5M | $415K | 33.3% |
| CHAMPIONS FUNDING, LLC | 5 | $2.3M | $459K | 60.0% |
| AMERITRUST MORTGAGE CORPORATION | 4 | $4.7M | $1173K | 25.0% |
| Commerce Home Mortgage, Inc. | 4 | $2.7M | $678K | 50.0% |
| Wells Fargo Bank, National Association | 4 | $2.4M | $590K | 75.0% |
| Synergy One Lending, Inc. | 4 | $2.3M | $583K | 100.0% |
| General Mortgage Capital Corporation | 4 | $2.2M | $555K | 75.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 4 | $1.9M | $483K | 75.0% |
| JPMorgan Chase Bank, National Association | 4 | $1.7M | $433K | 75.0% |
| CMG MORTGAGE, INC. | 4 | $1.4M | $345K | 50.0% |
| ResMac, Inc. | 3 | $7.3M | $2448K | 0.0% |
| JMJ FINANCIAL GROUP | 3 | $2.8M | $935K | 0.0% |
| ARC HOME LLC | 3 | $1.7M | $582K | 0.0% |
| GUARANTEED RATE, INC. | 3 | $1.4M | $475K | 66.7% |
| ALAMEDA MORTGAGE CORPORATION | 3 | $1.4M | $458K | 66.7% |
1,726 California loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for El Dorado County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · El Dorado County CSV, all 25 lenders
What El Dorado County's table can't show you: fit. Short-term financing is exempt from HMDA, so El Dorado County's fix-and-flip and bridge lenders barely appear among its 109 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 El Dorado County, California deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an El Dorado County, California 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 — El Dorado County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 109 lenders and 305 loans: 2025 HMDA loan-level data rolled up to El Dorado County.
- El Dorado County investor-lender dataset (CSV) — All 25 lenders in the El Dorado County, California table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — El Dorado 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 Sacramento--Roseville--Arden-Arcade, CA HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — El Dorado 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.