DSCR Loans in Iberia Parish, Louisiana
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 26 lenders made 102 investment-property loans in Iberia Parish, 1.2% of Louisiana's total. Dominick Prevete arranges DSCR loans across Iberia Parish, Louisiana, 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 $205,000.
Iberia Parish investor market at a glance
| Statistic | Iberia Parish | Louisiana | County rank |
|---|---|---|---|
| Investor loans | 102 | 8,254 | 17th of 17 |
| Reporting lenders | 26 | 337 | 15th of 17 |
| Loan volume | $10.4M | $1.46B | 17th of 17 |
| Average loan | $102K | $177K | 17th of 17 |
| Median loan | $75K | $125K | 17th of 17 |
| Purchases | 38.2% | 47.7% | 15th of 17 |
| Cash-out refinances | 6.9% | 13.1% | 14th of 17 |
| 2–4 unit properties | 23.5% | 23.6% | 7th of 17 |
| Top five lenders' share | 73.5% | 16.0% | 3rd of 17 |
| Reported business-purpose | 14.7% | 46.3% | 17th of 17 |
Iberia Parish: closed-end loans on 1–4 unit investment properties. Iberia Parish's rank is highest first, among Louisiana's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Iberia Parish's investor loans.
What stands out in Iberia Parish
14.7% of Iberia Parish's investor loans were reported as business-purpose, the lowest share of Louisiana's 17 counties with published data (statewide: 46.3%).
Fewer investor loans here were reported as business-purpose than in most of Louisiana. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
The average investor loan in Iberia Parish was $102K, the lowest average of Louisiana's 17 counties with published data (statewide: $177K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
38.2% of Iberia Parish's investor loans were purchases, the 3rd-lowest share of Louisiana's 17 counties with published data (statewide: 47.7%).
Most investor loans here refinance property investors already own. A DSCR refinance qualifies on the property's current rent.
Does a DSCR loan pencil in Iberia Parish?
At HUD's fair market rent of $1,286 for a 3-bedroom in Iberia Parish, Louisiana, a rental covers its full DSCR payment up to a purchase price of about $205,000, with 20% down at the 7.25% starting rate (November 2026). Iberia Parish's median home value is $164,500; at that price the payment is $1,016 a month, so the property would need $1,025 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) | $981 / $1,286 / $1,624 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $164,500 |
| Median property taxes and effective rate | $593 (0.36% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,016 |
| Rent needed to cover that payment | $1,025 |
| Coverage of a 3-bedroom at fair market rent | 1.27 |
| Highest price a 3-bedroom at fair market rent covers | about $205,000 |
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 Iberia Parish's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Iberia Parish?
The most active investment-property lenders in Iberia Parish in 2025 HMDA data were Community First Bank; The First National Bank of Jeanerette; and JD BANCSHARES, INC., out of 26 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 Iberia Parish, and matches each file to the one most likely to fund it.
Iberia Parish's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 102 loans and $10.4M from 26 lenders. Community First Bank led Iberia Parish with 40 loans, 39.2% of the county's total, and the average Iberia Parish loan of $102K compares with $177K across Louisiana.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Community First Bank | 40 | $3.3M | $82K | 30.0% |
| The First National Bank of Jeanerette | 16 | $2.1M | $134K | 50.0% |
| JD BANCSHARES, INC. | 12 | $1.1M | $93K | 41.7% |
| American Bank & Trust Company | 4 | $0.6M | $153K | 25.0% |
| Bank of Abbeville & Trust Company | 3 | $0.2M | $75K | 66.7% |
| NEXERA HOLDING LLC | 2 | $0.4M | $215K | 50.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | $0.2M | $105K | 0.0% |
| Rocket Mortgage, LLC | 2 | $0.2M | $100K | 50.0% |
| United Wholesale Mortgage | 2 | $0.2M | $80K | 50.0% |
| Cadence Bank | 2 | $0.1M | $60K | 50.0% |
| JPMorgan Chase Bank, National Association | 2 | $0.1M | $50K | 50.0% |
| Rayne State Bank & Trust Company | 1 | $0.4M | $355K | 0.0% |
| NATIONSTAR MORTGAGE LLC | 1 | $0.3M | $295K | 0.0% |
| Sabine State Bank and Trust Company | 1 | $0.1M | $135K | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | $0.1M | $135K | 0.0% |
| b1BANK | 1 | $0.1M | $125K | 0.0% |
| Gulf Coast Bank | 1 | $0.1M | $125K | 100.0% |
| Assurance Financial Group, L.L.C. | 1 | $0.1M | $115K | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | $0.1M | $115K | 100.0% |
| MOVEMENT MORTGAGE, LLC | 1 | $0.1M | $85K | 0.0% |
| Farmers-Merchants Bank & Trust Company | 1 | $0.1M | $65K | 0.0% |
| 21st Mortgage Corporation | 1 | $0.1M | $65K | 100.0% |
| Farmers State Bank & Trust Co. | 1 | $0.1M | $65K | 100.0% |
| Bank of Sunset and Trust Company | 1 | $0.1M | $55K | 0.0% |
| Home Bank, National Association | 1 | $0.0M | $45K | 100.0% |
136 Louisiana loans (1.6%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Iberia Parish: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Iberia Parish CSV, all 25 lenders
What Iberia Parish's table can't show you: fit. Short-term financing is exempt from HMDA, so Iberia Parish's fix-and-flip and bridge lenders barely appear among its 26 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 →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Iberia Parish with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Iberia Parish |
|---|---|---|---|
| Lafayette Parish, LA | 542 | 95 | Borders Iberia Parish |
| Terrebonne Parish, LA | 176 | 26 | About 65 miles away |
| Ascension Parish, LA | 142 | 62 | About 70 miles away |
| East Baton Rouge Parish, LA | 999 | 150 | About 80 miles away |
Run the coverage test on your Iberia Parish, Louisiana deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Iberia Parish, Louisiana 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 — Iberia Parish's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 26 lenders and 102 loans: 2025 HMDA loan-level data rolled up to Iberia Parish.
- Iberia Parish investor-lender dataset (CSV) — All 25 lenders in the Iberia Parish, Louisiana table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Iberia Parish'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 Iberia Parish, LA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Iberia Parish'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.