DSCR Loans in Jackson County, Missouri
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 224 lenders made 2,351 investment-property loans in Jackson County, 15.3% of Missouri's total. Dominick Prevete arranges DSCR loans across Jackson County, Missouri, 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 $295,000.
Jackson County investor market at a glance
| Statistic | Jackson County | Missouri | County rank |
|---|---|---|---|
| Investor loans | 2,351 | 15,393 | 2nd of 22 |
| Reporting lenders | 224 | 534 | 1st of 22 |
| Loan volume | $446.0M | $2.82B | 2nd of 22 |
| Average loan | $190K | $183K | 11th of 22 |
| Median loan | $155K | $145K | 11th of 22 |
| Purchases | 53.9% | 61.2% | 21st of 22 |
| Cash-out refinances | 17.8% | 12.1% | 2nd of 22 |
| 2–4 unit properties | 13.7% | 19.1% | 17th of 22 |
| Top five lenders' share | 35.5% | 18.3% | 11th of 22 |
| Reported business-purpose | 81.6% | 63.6% | 1st of 22 |
Jackson County: closed-end loans on 1–4 unit investment properties. Jackson County's rank is highest first, among Missouri'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
By share of investor loans reported as business-purpose, Jackson County ranks highest of Missouri's 22 counties with published data (statewide: 63.6%).
81.6% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
17.8% of Jackson County's investor loans were cash-out refinances, the 2nd-highest share of Missouri's 22 counties with published data (statewide: 12.1%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
53.9% of Jackson County's investor loans were purchases, the 2nd-lowest share of Missouri's 22 counties with published data (statewide: 61.2%).
Refinances are a larger share here than in most of Missouri. A DSCR refinance qualifies on the property's current rent.
Does a DSCR loan pencil in Jackson County?
At HUD's fair market rent of $2,020 for a 3-bedroom in Jackson County, Missouri, a rental covers its full DSCR payment up to a purchase price of about $295,000, with 20% down at the 7.25% starting rate (November 2026). Jackson County's median home value is $230,500; at that price the payment is $1,569 a month, so the property would need $1,575 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) | $1,546 / $2,020 / $2,419 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $230,500 |
| Median property taxes and effective rate | $2,575 (1.12% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,569 |
| Rent needed to cover that payment | $1,575 |
| Coverage of a 3-bedroom at fair market rent | 1.29 |
| Highest price a 3-bedroom at fair market rent covers | about $295,000 |
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 Kiavi Funding, Inc.; Loan Funder LLC; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 224 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: 2,351 loans and $446.0M from 224 lenders. Kiavi Funding, Inc. led Jackson County with 410 loans, 17.4% of the county's total, and the average Jackson County loan of $190K compares with $183K across Missouri.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 410 | $63.3M | $154K | 73.9% |
| Loan Funder LLC | 123 | $31.6M | $257K | 9.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 118 | $18.5M | $157K | 55.1% |
| COMMUNITYAMERICA CREDIT UNION | 100 | $16.3M | $163K | 74.0% |
| BPL MORTGAGE TRUST, LLC | 83 | $11.7M | $142K | 10.8% |
| CV3 FINANCIAL SERVICES, LLC | 62 | $8.9M | $144K | 59.7% |
| HOMEXPRESS MORTGAGE CORP. | 57 | $9.7M | $170K | 12.3% |
| Fairway Independent Mortgage Corporation | 51 | $8.3M | $162K | 80.4% |
| DOMINION FINANCIAL SERVICES, LLC | 48 | $7.7M | $160K | 22.9% |
| Bank of Odessa | 44 | $6.9M | $156K | 43.2% |
| COMMUNITY MORTGAGE, LLC | 35 | $7.4M | $210K | 42.9% |
| AMERICAN HERITAGE LENDING, LLC | 33 | $4.8M | $145K | 51.5% |
| Hometown Equity Mortgage, LLC | 31 | $5.4M | $174K | 6.5% |
| Equity Bank | 31 | $5.3M | $170K | 38.7% |
| Cornerstone Bank | 31 | $4.3M | $137K | 48.4% |
| THE LOAN STORE, INC. | 30 | $5.7M | $189K | 63.3% |
| Rocket Mortgage, LLC | 29 | $3.7M | $127K | 41.4% |
| Emporium TPO LLC | 26 | $4.9M | $188K | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 25 | $6.3M | $253K | 60.0% |
| LIMA ONE CAPITAL, LLC | 25 | $3.7M | $149K | 44.0% |
| CoreFirst Bank & Trust | 24 | $4.7M | $198K | 79.2% |
| Arvest Bank | 23 | $4.5M | $194K | 65.2% |
| OCMBC, INC. | 21 | $4.9M | $235K | 28.6% |
| GUARANTEED RATE, INC. | 21 | $4.9M | $233K | 76.2% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 21 | $4.1M | $195K | 90.5% |
561 Missouri loans (3.6%) 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 224 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, Missouri deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Jackson County, Missouri 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 224 lenders and 2,351 loans: 2025 HMDA loan-level data rolled up to Jackson County.
- Jackson County investor-lender dataset (CSV) — All 25 lenders in the Jackson County, Missouri 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 Kansas City, MO-KS HUD Metro FMR Area.
- 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.