DSCR Loans in Genesee County, Michigan
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 71 lenders made 361 investment-property loans in Genesee County, 2.9% of Michigan's total. Dominick Prevete arranges DSCR loans across Genesee County, Michigan, 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 $195,000.
Genesee County investor market at a glance
| Statistic | Genesee County | Michigan | County rank |
|---|---|---|---|
| Investor loans | 361 | 12,400 | 5th of 16 |
| Reporting lenders | 71 | 428 | 8th of 16 |
| Loan volume | $37.7M | $4.90B | 12th of 16 |
| Average loan | $104K | $395K | 15th of 16 |
| Median loan | $75K | $135K | 15th of 16 |
| Purchases | 40.2% | 56.1% | 16th of 16 |
| Cash-out refinances | 36.8% | 23.9% | 1st of 16 |
| 2–4 unit properties | 9.7% | 15.4% | 13th of 16 |
| Top five lenders' share | 46.3% | 40.3% | 4th of 16 |
| Reported business-purpose | 75.6% | 76.2% | 3rd of 16 |
Genesee County: closed-end loans on 1–4 unit investment properties. Genesee County's rank is highest first, among Michigan's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Genesee County's investor loans.
What stands out in Genesee County
36.8% of Genesee County's investor loans were cash-out refinances, the highest share of Michigan's 16 counties with published data (statewide: 23.9%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
40.2% of Genesee County's investor loans were purchases, the lowest share of Michigan's 16 counties with published data (statewide: 56.1%).
Most investor loans here refinance property investors already own. A DSCR refinance qualifies on the property's current rent.
The median investor loan in Genesee County was $75K, the lowest median of Michigan's 16 counties with published data (statewide: $135K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Genesee County?
At HUD's fair market rent of $1,391 for a 3-bedroom in Genesee County, Michigan, a rental covers its full DSCR payment up to a purchase price of about $195,000, with 20% down at the 7.25% starting rate (November 2026). Genesee County's median home value is $182,400; at that price the payment is $1,279 a month, so the property would need $1,300 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,133 / $1,391 / $1,613 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $182,400 |
| Median property taxes and effective rate | $2,487 (1.36% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,279 |
| Rent needed to cover that payment | $1,300 |
| Coverage of a 3-bedroom at fair market rent | 1.09 |
| Highest price a 3-bedroom at fair market rent covers | about $195,000 |
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 Genesee County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Genesee County?
The most active investment-property lenders in Genesee County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Kiavi Funding, Inc.; and CONSTRUCTIVE LOANS, LLC, out of 71 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 Genesee County, and matches each file to the one most likely to fund it.
Genesee County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 361 loans and $37.7M from 71 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Genesee County with 75 loans, 20.8% of the county's total, and the average Genesee County loan of $104K compares with $395K across Michigan.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 75 | $6.4M | $85K | 36.0% |
| Kiavi Funding, Inc. | 52 | $4.0M | $76K | 9.6% |
| CONSTRUCTIVE LOANS, LLC | 14 | $1.0M | $69K | 7.1% |
| Rocket Mortgage, LLC | 13 | $2.2M | $166K | 61.5% |
| BPL MORTGAGE TRUST, LLC | 13 | $0.9M | $70K | 23.1% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 12 | $2.0M | $168K | 16.7% |
| PRESTON HOME LOANS INC | 12 | $1.2M | $97K | 58.3% |
| ChoiceOne Bank | 11 | $1.5M | $133K | 18.2% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 11 | $1.2M | $112K | 0.0% |
| CV3 FINANCIAL SERVICES, LLC | 9 | $0.9M | $98K | 66.7% |
| AMERICAN HERITAGE LENDING, LLC | 8 | $1.0M | $120K | 37.5% |
| CONSUMERS CREDIT UNION | 8 | $0.7M | $86K | 100.0% |
| J. VIRGIL, INC. | 6 | $0.9M | $155K | 50.0% |
| Frankenmuth Credit Union | 6 | $0.5M | $87K | 50.0% |
| FINANCIAL PLUS CREDIT UNION | 6 | $0.3M | $53K | 66.7% |
| LAKE MICHIGAN CREDIT UNION | 5 | $0.6M | $113K | 80.0% |
| ELGA CREDIT UNION | 5 | $0.4M | $81K | 20.0% |
| 21st Mortgage Corporation | 5 | $0.4M | $79K | 100.0% |
| PFCU | 5 | $0.3M | $63K | 60.0% |
| Genisys Credit Union | 4 | $0.6M | $150K | 75.0% |
| Loan Funder LLC | 4 | $0.4M | $108K | 25.0% |
| THE LOAN STORE, INC. | 3 | $0.5M | $165K | 33.3% |
| MORTGAGE 1 INCORPORATED | 3 | $0.5M | $155K | 33.3% |
| NEWREZ LLC | 3 | $0.4M | $128K | 100.0% |
| LIMA ONE CAPITAL, LLC | 3 | $0.4M | $122K | 0.0% |
763 Michigan loans (6.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Genesee County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Genesee County CSV, all 25 lenders
What Genesee County's table can't show you: fit. Short-term financing is exempt from HMDA, so Genesee County's fix-and-flip and bridge lenders barely appear among its 71 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 Genesee County, Michigan deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Genesee County, Michigan 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 — Genesee County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 71 lenders and 361 loans: 2025 HMDA loan-level data rolled up to Genesee County.
- Genesee County investor-lender dataset (CSV) — All 25 lenders in the Genesee County, Michigan table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Genesee 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 Flint, MI MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Genesee 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.