DSCR Loans in Fairfield County, Ohio
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 59 lenders made 209 investment-property loans in Fairfield County, 1.0% of Ohio's total. Dominick Prevete arranges DSCR loans across Fairfield County, Ohio, 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 $280,000.
Fairfield County investor market at a glance
| Statistic | Fairfield County | Ohio | County rank |
|---|---|---|---|
| Investor loans | 209 | 21,703 | 17th of 30 |
| Reporting lenders | 59 | 551 | 19th of 30 |
| Loan volume | $48.2M | $3.64B | 13th of 30 |
| Average loan | $231K | $168K | 4th of 30 |
| Median loan | $195K | $135K | 3rd of 30 |
| Purchases | 68.4% | 59.1% | 6th of 30 |
| Cash-out refinances | 13.9% | 20.0% | 28th of 30 |
| 2–4 unit properties | 21.5% | 23.7% | 15th of 30 |
| Top five lenders' share | 37.3% | 28.8% | 18th of 30 |
| Reported business-purpose | 62.2% | 76.4% | 23rd of 30 |
Fairfield County: closed-end loans on 1–4 unit investment properties. Fairfield County's rank is highest first, among Ohio's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Fairfield County's investor loans.
What stands out in Fairfield County
The median investor loan in Fairfield County was $195K, the 3rd-highest median of Ohio's 30 counties with published data (statewide: $135K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
13.9% of Fairfield County's investor loans were cash-out refinances, the 3rd-lowest share of Ohio's 30 counties with published data (statewide: 20.0%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
68.4% of Fairfield County's investor loans were purchases, the 6th-highest share of Ohio's 30 counties with published data (statewide: 59.1%).
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 Fairfield County?
At HUD's fair market rent of $1,909 for a 3-bedroom in Fairfield County, Ohio, a rental covers its full DSCR payment up to a purchase price of about $280,000, with 20% down at the 7.25% starting rate (November 2026). Fairfield County's median home value is $298,800; at that price the payment is $2,029 a month, so the property would need $2,050 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) | $1,602 / $1,909 / $2,172 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $298,800 |
| Median property taxes and effective rate | $3,289 (1.10% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,029 |
| Rent needed to cover that payment | $2,050 |
| Coverage of a 3-bedroom at fair market rent | 0.94 |
| Highest price a 3-bedroom at fair market rent covers | about $280,000 |
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 Fairfield County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Fairfield County?
The most active investment-property lenders in Fairfield County in 2025 HMDA data were RF RENOVO MANAGEMENT COMPANY, LLC; THE VINTON COUNTY NATIONAL BANK; and Kiavi Funding, Inc., out of 59 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 Fairfield County, and matches each file to the one most likely to fund it.
Fairfield County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 209 loans and $48.2M from 59 lenders. RF RENOVO MANAGEMENT COMPANY, LLC led Fairfield County with 23 loans, 11.0% of the county's total, and the average Fairfield County loan of $231K compares with $168K across Ohio.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| RF RENOVO MANAGEMENT COMPANY, LLC | 23 | $4.7M | $206K | 52.2% |
| THE VINTON COUNTY NATIONAL BANK | 20 | $6.7M | $336K | 80.0% |
| Kiavi Funding, Inc. | 16 | $4.2M | $261K | 100.0% |
| The Savings Bank | 10 | $1.8M | $180K | 60.0% |
| Fairfield Federal Savings and Loan Association of Lancaster | 9 | $1.7M | $184K | 55.6% |
| Union Savings Bank | 8 | $1.6M | $199K | 87.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 7 | $2.8M | $394K | 85.7% |
| Kingston National Bank | 7 | $1.8M | $258K | 85.7% |
| North Valley Bank | 7 | $1.3M | $182K | 57.1% |
| BPL MORTGAGE TRUST, LLC | 6 | $1.9M | $308K | 16.7% |
| The Park National Bank | 6 | $0.7M | $113K | 66.7% |
| LOWER, LLC | 5 | $1.2M | $235K | 80.0% |
| Rocket Mortgage, LLC | 5 | $0.8M | $169K | 60.0% |
| PENNYMAC LOAN SERVICES, LLC | 4 | $1.1M | $288K | 100.0% |
| CV3 FINANCIAL SERVICES, LLC | 4 | $0.8M | $195K | 75.0% |
| UNION HOME MORTGAGE CORP. | 4 | $0.7M | $170K | 50.0% |
| EQUITY RESOURCES, INC. | 4 | $0.6M | $158K | 75.0% |
| THE LOAN STORE, INC. | 4 | $0.6M | $148K | 25.0% |
| The State Bank and Trust Company | 3 | $0.7M | $222K | 100.0% |
| MM LENDING, LLC | 3 | $0.7M | $218K | 0.0% |
| Fifth Third Bank, National Association | 3 | $0.5M | $182K | 100.0% |
| UNIFIED BANK | 3 | $0.5M | $165K | 100.0% |
| Peoples Bank | 3 | $0.3M | $112K | 33.3% |
| PEOPLES STATE BANK | 2 | $0.8M | $405K | 50.0% |
| Easy Street Capital, LLC | 2 | $0.7M | $330K | 0.0% |
1,125 Ohio loans (5.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Fairfield County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Fairfield County CSV, all 25 lenders
What Fairfield County's table can't show you: fit. Short-term financing is exempt from HMDA, so Fairfield County's fix-and-flip and bridge lenders barely appear among its 59 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 Fairfield County, Ohio deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Fairfield County, Ohio 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 — Fairfield County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 59 lenders and 209 loans: 2025 HMDA loan-level data rolled up to Fairfield County.
- Fairfield County investor-lender dataset (CSV) — All 25 lenders in the Fairfield County, Ohio table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Fairfield 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 Columbus, OH HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Fairfield 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.