DSCR Loans in Imperial County, California
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, 59 lenders made 172 investment-property loans in Imperial County, 0.3% of California's total. Dominick Prevete arranges DSCR loans across Imperial County, California, 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 $275,000.
Imperial County investor market at a glance
| Statistic | Imperial County | California | County rank |
|---|---|---|---|
| Investor loans | 172 | 54,410 | 34th of 39 |
| Reporting lenders | 59 | 630 | 35th of 39 |
| Loan volume | $42.1M | $37.12B | 36th of 39 |
| Average loan | $245K | $682K | 38th of 39 |
| Median loan | $225K | $485K | 38th of 39 |
| Purchases | 34.9% | 51.1% | 39th of 39 |
| Cash-out refinances | 47.1% | 25.6% | 1st of 39 |
| 2–4 unit properties | 23.3% | 16.6% | 5th of 39 |
| Top five lenders' share | 39.0% | 23.2% | 5th of 39 |
| Reported business-purpose | 77.9% | 71.2% | 2nd of 39 |
Imperial County: closed-end loans on 1–4 unit investment properties. Imperial County's rank is highest first, among California's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Imperial County's investor loans.
What stands out in Imperial County
47.1% of Imperial County's investor loans were cash-out refinances, the highest share of California's 39 counties with published data (statewide: 25.6%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
34.9% of Imperial County's investor loans were purchases, the lowest share of California's 39 counties with published data (statewide: 51.1%).
Most investor loans here refinance property investors already own. A DSCR refinance qualifies on the property's current rent.
The median investor loan in Imperial County was $225K, the lowest median of California's 39 counties with published data (statewide: $485K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Imperial County?
At HUD's fair market rent of $1,819 for a 3-bedroom in Imperial County, California, a rental covers its full DSCR payment up to a purchase price of about $275,000, with 20% down at the 7.25% starting rate (November 2026). Imperial County's median home value is $309,600; at that price the payment is $2,018 a month, so the property would need $2,025 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) | $1,347 / $1,819 / $2,251 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $309,600 |
| Median property taxes and effective rate | $2,394 (0.77% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,018 |
| Rent needed to cover that payment | $2,025 |
| Coverage of a 3-bedroom at fair market rent | 0.90 |
| Highest price a 3-bedroom at fair market rent covers | about $275,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $410,000 |
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 Imperial County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Imperial County?
The most active investment-property lenders in Imperial County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; EFINITY FINANCIAL INC.; and Rocket Mortgage, LLC, 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 several that reported in Imperial County, and matches each file to the one most likely to fund it.
Imperial County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 172 loans and $42.1M from 59 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Imperial County with 18 loans, 10.5% of the county's total, and the average Imperial County loan of $245K compares with $682K across California.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 18 | $4.6M | $254K | 22.2% |
| EFINITY FINANCIAL INC. | 16 | $3.4M | $214K | 25.0% |
| Rocket Mortgage, LLC | 12 | $2.9M | $240K | 16.7% |
| Kiavi Funding, Inc. | 11 | $2.8M | $254K | 100.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 10 | $2.7M | $266K | 30.0% |
| CAKE MORTGAGE CORP. | 7 | $1.7M | $242K | 42.9% |
| SUN COMMUNITY FEDERAL CREDIT UNION | 7 | $1.4M | $196K | 14.3% |
| HOMEXPRESS MORTGAGE CORP. | 5 | $1.6M | $315K | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 4 | $1.2M | $303K | 25.0% |
| CHAMPIONS FUNDING, LLC | 4 | $1.0M | $248K | 25.0% |
| A&D Mortgage LLC | 3 | $1.0M | $345K | 66.7% |
| NEWREZ LLC | 3 | $0.9M | $308K | 33.3% |
| CLEAREDGE LENDING LLC | 3 | $0.8M | $272K | 66.7% |
| Citadel Servicing Corporation | 3 | $0.7M | $235K | 66.7% |
| THE LOAN STORE, INC. | 3 | $0.6M | $205K | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | $0.6M | $202K | 33.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | $0.6M | $202K | 33.3% |
| OCMBC, INC. | 3 | $0.4M | $148K | 66.7% |
| Easy Street Capital, LLC | 3 | $0.2M | $75K | 0.0% |
| CV3 FINANCIAL SERVICES, LLC | 2 | $0.7M | $340K | 100.0% |
| LENDSURE MORTGAGE CORP. | 2 | $0.6M | $320K | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | $0.6M | $310K | 50.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | $0.6M | $280K | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | $0.5M | $270K | 50.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | $0.5M | $245K | 50.0% |
1,726 California loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Imperial County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Imperial County CSV, all 25 lenders
What Imperial County's table can't show you: fit. Short-term financing is exempt from HMDA, so Imperial 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 several 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 Imperial County, California deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Imperial County, California 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 — Imperial County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 59 lenders and 172 loans: 2025 HMDA loan-level data rolled up to Imperial County.
- Imperial County investor-lender dataset (CSV) — All 25 lenders in the Imperial County, California table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Imperial 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 El Centro, CA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Imperial 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.