DSCR Loans in Jackson County, Michigan
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 48 lenders made 115 investment-property loans in Jackson County, 0.9% of Michigan's total. Dominick Prevete arranges DSCR loans across Jackson 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 $225,000.
Jackson County investor market at a glance
| Statistic | Jackson County | Michigan | County rank |
|---|---|---|---|
| Investor loans | 115 | 12,400 | 14th of 16 |
| Reporting lenders | 48 | 428 | 15th of 16 |
| Loan volume | $22.0M | $4.90B | 14th of 16 |
| Average loan | $191K | $395K | 8th of 16 |
| Median loan | $135K | $135K | 9th of 16 |
| Purchases | 73.9% | 56.1% | 1st of 16 |
| Cash-out refinances | 16.5% | 23.9% | 15th of 16 |
| 2–4 unit properties | 27.8% | 15.4% | 4th of 16 |
| Top five lenders' share | 44.3% | 40.3% | 6th of 16 |
| Reported business-purpose | 60.0% | 76.2% | 14th of 16 |
Jackson County: closed-end loans on 1–4 unit investment properties. Jackson County's rank is highest first, among Michigan's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Jackson County's investor loans.
What stands out in Jackson County
73.9% of Jackson County's investor loans were purchases, the highest share of Michigan's 16 counties with published data (statewide: 56.1%).
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.
16.5% of Jackson County's investor loans were cash-out refinances, the 2nd-lowest share of Michigan's 16 counties with published data (statewide: 23.9%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
60.0% of Jackson County's investor loans were reported as business-purpose, the 3rd-lowest share of Michigan's 16 counties with published data (statewide: 76.2%).
Fewer investor loans here were reported as business-purpose than in most of Michigan. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
Does a DSCR loan pencil in Jackson County?
At HUD's fair market rent of $1,576 for a 3-bedroom in Jackson County, Michigan, a rental covers its full DSCR payment up to a purchase price of about $225,000, with 20% down at the 7.25% starting rate (November 2026). Jackson County's median home value is $193,700; at that price the payment is $1,340 a month, so the property would need $1,350 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) | $1,201 / $1,576 / $1,578 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $193,700 |
| Median property taxes and effective rate | $2,432 (1.26% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,340 |
| Rent needed to cover that payment | $1,350 |
| Coverage of a 3-bedroom at fair market rent | 1.18 |
| Highest price a 3-bedroom at fair market rent covers | about $225,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $345,000 |
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 Jackson County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Jackson County?
The most active investment-property lenders in Jackson County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; County National Bank; and BPL MORTGAGE TRUST, LLC, out of 48 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 Jackson County, and matches each file to the one most likely to fund it.
Jackson County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 115 loans and $22.0M from 48 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Jackson County with 22 loans, 19.1% of the county's total, and the average Jackson County loan of $191K compares with $395K across Michigan.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 22 | $7.0M | $316K | 81.8% |
| County National Bank | 16 | $2.1M | $129K | 87.5% |
| BPL MORTGAGE TRUST, LLC | 5 | $0.6M | $113K | 60.0% |
| The Dart Bank | 4 | $0.7M | $180K | 100.0% |
| Rocket Mortgage, LLC | 4 | $0.6M | $153K | 50.0% |
| Kiavi Funding, Inc. | 4 | $0.6M | $145K | 100.0% |
| Northpointe Bank | 3 | $0.4M | $122K | 66.7% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 3 | $0.3M | $102K | 66.7% |
| GUILD MORTGAGE COMPANY | 3 | $0.3M | $95K | 100.0% |
| Flagstar Bank, N.A. | 3 | $0.3M | $88K | 100.0% |
| North American Savings Bank, F.S.B. | 2 | $0.5M | $240K | 100.0% |
| LAKE MICHIGAN CREDIT UNION | 2 | $0.4M | $180K | 50.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | $0.3M | $175K | 100.0% |
| NEWREZ LLC | 2 | $0.3M | $170K | 50.0% |
| Southern Michigan Bank & Trust | 2 | $0.3M | $145K | 100.0% |
| MORTGAGE 1 INCORPORATED | 2 | $0.3M | $130K | 50.0% |
| THE LOAN STORE, INC. | 2 | $0.3M | $125K | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | $0.2M | $120K | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | $0.2M | $105K | 100.0% |
| LENDINGONE, LLC | 2 | $0.2M | $80K | 0.0% |
| GreenStone Farm Credit Services, FLCA | 1 | $0.9M | $905K | 100.0% |
| UNION HOME MORTGAGE CORP. | 1 | $0.7M | $745K | 100.0% |
| FREEDOM MORTGAGE CORPORATION | 1 | $0.5M | $465K | 100.0% |
| CASE Credit Union | 1 | $0.5M | $455K | 0.0% |
| Bank of America, National Association | 1 | $0.4M | $355K | 100.0% |
763 Michigan loans (6.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Jackson County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Jackson County CSV, all 25 lenders
What Jackson County's table can't show you: fit. Short-term financing is exempt from HMDA, so Jackson County's fix-and-flip and bridge lenders barely appear among its 48 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 Jackson County, Michigan deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Jackson 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 — Jackson County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 48 lenders and 115 loans: 2025 HMDA loan-level data rolled up to Jackson County.
- Jackson County investor-lender dataset (CSV) — All 25 lenders in the Jackson County, Michigan table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Jackson 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 Jackson, MI MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Jackson 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.