DSCR Loans in Hampshire County, Massachusetts
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, 49 lenders made 144 investment-property loans in Hampshire County, 1.4% of Massachusetts's total. Dominick Prevete arranges DSCR loans across Hampshire County, Massachusetts, 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 $375,000.
Hampshire County investor market at a glance
| Statistic | Hampshire County | Massachusetts | County rank |
|---|---|---|---|
| Investor loans | 144 | 9,959 | 11th of 11 |
| Reporting lenders | 49 | 432 | 11th of 11 |
| Loan volume | $52.5M | $6.16B | 11th of 11 |
| Average loan | $365K | $618K | 9th of 11 |
| Median loan | $325K | $465K | 9th of 11 |
| Purchases | 68.8% | 60.2% | 1st of 11 |
| Cash-out refinances | 11.8% | 18.6% | 11th of 11 |
| 2–4 unit properties | 54.2% | 46.4% | 5th of 11 |
| Top five lenders' share | 45.8% | 17.2% | 1st of 11 |
| Reported business-purpose | 69.4% | 73.3% | 10th of 11 |
Hampshire County: closed-end loans on 1–4 unit investment properties. Hampshire County's rank is highest first, among Massachusetts's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Hampshire County's investor loans.
What stands out in Hampshire County
68.8% of Hampshire County's investor loans were purchases, the highest share of Massachusetts's 11 counties with published data (statewide: 60.2%).
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.
11.8% of Hampshire County's investor loans were cash-out refinances, the lowest share of Massachusetts's 11 counties with published data (statewide: 18.6%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
The five most active lenders wrote 45.8% of Hampshire County's investor loans, the highest share of Massachusetts's 11 counties with published data (statewide: 17.2%).
Five lenders write 45.8% of the loans here, so comparing written term sheets matters more.
Does a DSCR loan pencil in Hampshire County?
At HUD's fair market rent of $2,663 for a 3-bedroom in Hampshire County, Massachusetts, a rental covers its full DSCR payment up to a purchase price of about $375,000, with 20% down at the 7.25% starting rate (November 2026). Hampshire County's median home value is $390,300; at that price the payment is $2,758 a month, so the property would need $2,775 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) | $2,034 / $2,663 / $2,768 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $390,300 |
| Median property taxes and effective rate | $5,589 (1.43% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,758 |
| Rent needed to cover that payment | $2,775 |
| Coverage of a 3-bedroom at fair market rent | 0.97 |
| Highest price a 3-bedroom at fair market rent covers | about $375,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $575,000 |
| HUD area | Amherst Town-Northampton, MA MSA |
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 Hampshire County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Hampshire County?
The most active investment-property lenders in Hampshire County in 2025 HMDA data were Greenfield Savings Bank, Greenfield Co-operative Bank and Florence Bank, out of 49 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 Hampshire County, and matches each file to the one most likely to fund it.
Hampshire County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 144 loans and $52.5M from 49 lenders. Greenfield Savings Bank led Hampshire County with 29 loans, 20.1% of the county's total, and the average Hampshire County loan of $365K compares with $618K across Massachusetts.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Greenfield Savings Bank | 29 | $13.7M | $473K | 69.0% |
| Greenfield Co-operative Bank | 15 | $6.1M | $408K | 80.0% |
| Florence Bank | 9 | $2.8M | $314K | 77.8% |
| Rocket Mortgage, LLC | 7 | $1.4M | $199K | 28.6% |
| PeoplesBank | 6 | $2.3M | $390K | 83.3% |
| bankESB | 5 | $2.2M | $433K | 80.0% |
| Broker Solutions, Inc. | 5 | $1.7M | $345K | 80.0% |
| Kiavi Funding, Inc. | 4 | $1.5M | $378K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 4 | $1.3M | $335K | 75.0% |
| Leader Bank, National Association | 4 | $0.9M | $228K | 75.0% |
| HOLYOKE CREDIT UNION | 4 | $0.5M | $130K | 25.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | $1.2M | $415K | 66.7% |
| JPMorgan Chase Bank, National Association | 3 | $0.9M | $302K | 33.3% |
| Monson Savings Bank | 3 | $0.9M | $285K | 66.7% |
| BPL MORTGAGE TRUST, LLC | 2 | $1.2M | $580K | 0.0% |
| GUILD MORTGAGE COMPANY | 2 | $1.0M | $485K | 100.0% |
| NORTHPOINT MORTGAGE, INC. | 2 | $0.8M | $390K | 100.0% |
| Alden Credit Union | 2 | $0.7M | $335K | 100.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | $0.5M | $255K | 50.0% |
| Citizens Bank, National Association | 2 | $0.5M | $250K | 100.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | $0.4M | $195K | 0.0% |
| POLISH NATIONAL CREDIT UNION | 2 | $0.3M | $175K | 50.0% |
| ICE LENDER HOLDINGS LLC | 1 | $1.3M | $1305K | 0.0% |
| CCG Fund 1, LLC | 1 | $0.5M | $535K | 0.0% |
| Luminate Bank | 1 | $0.5M | $465K | 100.0% |
211 Massachusetts loans (2.1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Hampshire County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Hampshire County CSV, all 25 lenders
What Hampshire County's table can't show you: fit. Short-term financing is exempt from HMDA, so Hampshire County's fix-and-flip and bridge lenders barely appear among its 49 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 Hampshire County, Massachusetts deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Hampshire County, Massachusetts 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 — Hampshire County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 49 lenders and 144 loans: 2025 HMDA loan-level data rolled up to Hampshire County.
- Hampshire County investor-lender dataset (CSV) — All 25 lenders in the Hampshire County, Massachusetts table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Hampshire 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 Amherst Town-Northampton, MA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Hampshire 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.