DSCR Loans in Greene County, Ohio
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, 68 lenders made 242 investment-property loans in Greene County, 1.1% of Ohio's total. Dominick Prevete arranges DSCR loans across Greene 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 $220,000.
Greene County investor market at a glance
| Statistic | Greene County | Ohio | County rank |
|---|---|---|---|
| Investor loans | 242 | 21,703 | 14th of 30 |
| Reporting lenders | 68 | 551 | 16th of 30 |
| Loan volume | $38.6M | $3.64B | 17th of 30 |
| Average loan | $160K | $168K | 15th of 30 |
| Median loan | $145K | $135K | 11th of 30 |
| Purchases | 66.1% | 59.1% | 10th of 30 |
| Cash-out refinances | 17.8% | 20.0% | 19th of 30 |
| 2–4 unit properties | 14.5% | 23.7% | 23rd of 30 |
| Top five lenders' share | 32.6% | 28.8% | 25th of 30 |
| Reported business-purpose | 56.2% | 76.4% | 25th of 30 |
Greene County: closed-end loans on 1–4 unit investment properties. Greene County's rank is highest first, among Ohio's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Greene County's investor loans.
What stands out in Greene County
56.2% of Greene County's investor loans were reported as business-purpose, the 6th-lowest share of Ohio's 30 counties with published data (statewide: 76.4%).
Fewer investor loans here were reported as business-purpose than in most of Ohio. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
The five most active lenders wrote 32.6% of Greene County's investor loans, the 6th-lowest share of Ohio's 30 counties with published data (statewide: 28.8%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
Does a DSCR loan pencil in Greene County?
At HUD's fair market rent of $1,623 for a 3-bedroom in Greene County, Ohio, a rental covers its full DSCR payment up to a purchase price of about $220,000, with 20% down at the 7.25% starting rate (November 2026). Greene County's median home value is $252,200; at that price the payment is $1,821 a month, so the property would need $1,825 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) | $1,248 / $1,623 / $1,774 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $252,200 |
| Median property taxes and effective rate | $4,071 (1.61% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,821 |
| Rent needed to cover that payment | $1,825 |
| Coverage of a 3-bedroom at fair market rent | 0.89 |
| Highest price a 3-bedroom at fair market rent covers | about $220,000 |
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 Greene County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Greene County?
The most active investment-property lenders in Greene County in 2025 HMDA data were WRIGHT-PATT CREDIT UNION, INC.; Union Savings Bank; and Kiavi Funding, Inc., out of 68 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 Greene County, and matches each file to the one most likely to fund it.
Greene County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 242 loans and $38.6M from 68 lenders. WRIGHT-PATT CREDIT UNION, INC. led Greene County with 19 loans, 7.9% of the county's total, and the average Greene County loan of $160K compares with $168K across Ohio.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| WRIGHT-PATT CREDIT UNION, INC. | 19 | $2.6M | $134K | 78.9% |
| Union Savings Bank | 16 | $3.0M | $188K | 93.8% |
| Kiavi Funding, Inc. | 16 | $2.4M | $149K | 87.5% |
| The Huntington National Bank | 16 | $2.0M | $125K | 31.2% |
| VICTORY MORTGAGE, L.L.C. | 12 | $2.2M | $181K | 100.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 11 | $2.5M | $230K | 45.5% |
| Rocket Mortgage, LLC | 10 | $1.6M | $155K | 70.0% |
| The Park National Bank | 9 | $1.3M | $146K | 88.9% |
| Day Air Credit Union, Inc. | 8 | $1.4M | $179K | 87.5% |
| NEWREZ LLC | 8 | $0.9M | $116K | 50.0% |
| THE OLD FORT BANKING COMPANY | 8 | $0.9M | $110K | 37.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 7 | $1.0M | $141K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 6 | $0.9M | $158K | 50.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 5 | $1.1M | $215K | 80.0% |
| JPMorgan Chase Bank, National Association | 5 | $0.8M | $163K | 80.0% |
| Paramount Residential Mortgage Group, Inc. | 5 | $0.8M | $161K | 40.0% |
| Fifth Third Bank, National Association | 4 | $0.8M | $198K | 75.0% |
| CV3 FINANCIAL SERVICES, LLC | 4 | $0.6M | $148K | 100.0% |
| BPL MORTGAGE TRUST, LLC | 4 | $0.6M | $143K | 25.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | $0.5M | $135K | 25.0% |
| DAS Acquisition Company, LLC | 4 | $0.4M | $98K | 100.0% |
| DHI MORTGAGE COMPANY, LTD. | 3 | $0.7M | $235K | 100.0% |
| USAA Federal Savings Bank | 3 | $0.5M | $175K | 66.7% |
| Cornerstone First Mortgage, Inc | 2 | $0.6M | $310K | 50.0% |
| Loan Funder LLC | 2 | $0.4M | $200K | 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 Greene County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Greene County CSV, all 25 lenders
What Greene County's table can't show you: fit. Short-term financing is exempt from HMDA, so Greene County's fix-and-flip and bridge lenders barely appear among its 68 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 Greene County, Ohio deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Greene 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 — Greene County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 68 lenders and 242 loans: 2025 HMDA loan-level data rolled up to Greene County.
- Greene County investor-lender dataset (CSV) — All 25 lenders in the Greene County, Ohio table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Greene 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 Dayton-Kettering-Beavercreek, OH MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Greene 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.