DSCR Loans in Jasper County, Missouri
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 58 lenders made 394 investment-property loans in Jasper County, 2.6% of Missouri's total. Dominick Prevete arranges DSCR loans across Jasper 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 $230,000.
Jasper County investor market at a glance
| Statistic | Jasper County | Missouri | County rank |
|---|---|---|---|
| Investor loans | 394 | 15,393 | 8th of 22 |
| Reporting lenders | 58 | 534 | 15th of 22 |
| Loan volume | $55.4M | $2.82B | 9th of 22 |
| Average loan | $141K | $183K | 21st of 22 |
| Median loan | $125K | $145K | 17th of 22 |
| Purchases | 68.3% | 61.2% | 8th of 22 |
| Cash-out refinances | 3.0% | 12.1% | 20th of 22 |
| 2–4 unit properties | 17.8% | 19.1% | 14th of 22 |
| Top five lenders' share | 60.9% | 18.3% | 4th of 22 |
| Reported business-purpose | 56.3% | 63.6% | 9th of 22 |
Jasper County: closed-end loans on 1–4 unit investment properties. Jasper County's rank is highest first, among Missouri's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Jasper County's investor loans.
What stands out in Jasper County
The average investor loan in Jasper County was $141K, the 2nd-lowest average of Missouri's 22 counties with published data (statewide: $183K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
3.0% of Jasper County's investor loans were cash-out refinances, the 3rd-lowest share of Missouri's 22 counties with published data (statewide: 12.1%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
The five most active lenders wrote 60.9% of Jasper County's investor loans, the 4th-highest share of Missouri's 22 counties with published data (statewide: 18.3%).
Five lenders write 60.9% of the loans here, so comparing written term sheets matters more.
Does a DSCR loan pencil in Jasper County?
At HUD's fair market rent of $1,501 for a 3-bedroom in Jasper County, Missouri, a rental covers its full DSCR payment up to a purchase price of about $230,000, with 20% down at the 7.25% starting rate (November 2026). Jasper County's median home value is $166,900; at that price the payment is $1,080 a month, so the property would need $1,100 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) | $1,153 / $1,501 / $1,635 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $166,900 |
| Median property taxes and effective rate | $1,196 (0.72% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,080 |
| Rent needed to cover that payment | $1,100 |
| Coverage of a 3-bedroom at fair market rent | 1.39 |
| Highest price a 3-bedroom at fair market rent covers | about $230,000 |
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 Jasper County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Jasper County?
The most active investment-property lenders in Jasper County in 2025 HMDA data were Southwest Missouri Bank, People's Bank of Seneca and Old Missouri Bank, out of 58 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 Jasper County, and matches each file to the one most likely to fund it.
Jasper County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 394 loans and $55.4M from 58 lenders. Southwest Missouri Bank led Jasper County with 87 loans, 22.1% of the county's total, and the average Jasper County loan of $141K compares with $183K across Missouri.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Southwest Missouri Bank | 87 | $11.2M | $128K | 63.2% |
| People's Bank of Seneca | 46 | $8.8M | $191K | 84.8% |
| Old Missouri Bank | 44 | $5.9M | $133K | 52.3% |
| Arvest Bank | 32 | $4.4M | $138K | 84.4% |
| FLAT BRANCH MORTGAGE, INC. | 31 | $3.9M | $125K | 83.9% |
| Pinnacle Bank | 19 | $2.7M | $142K | 73.7% |
| Mid-Missouri Bank | 14 | $1.9M | $139K | 78.6% |
| Oakstar Bank | 13 | $1.9M | $143K | 84.6% |
| First Community Bank | 13 | $1.6M | $121K | 46.2% |
| Community Bank and Trust | 10 | $1.1M | $113K | 50.0% |
| Firstar Bank | 7 | $1.1M | $155K | 100.0% |
| AMWEST FUNDING CORP. | 6 | $1.0M | $162K | 100.0% |
| Guaranty Bank | 4 | $1.0M | $245K | 25.0% |
| Community National Bank & Trust | 4 | $0.5M | $115K | 25.0% |
| FREEDOM BANK OF SOUTHERN MISSOURI | 4 | $0.4M | $95K | 25.0% |
| Loandepot.Com, LLC | 3 | $0.5M | $155K | 100.0% |
| U.S. Bank National Association | 3 | $0.4M | $138K | 33.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | $0.4M | $132K | 66.7% |
| Kiavi Funding, Inc. | 3 | $0.3M | $112K | 0.0% |
| First Bank | 3 | $0.3M | $92K | 100.0% |
| GNBank, National Association | 2 | $0.6M | $275K | 0.0% |
| Evolve Bank & Trust | 2 | $0.2M | $115K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 2 | $0.2M | $110K | 50.0% |
| BPL MORTGAGE TRUST, LLC | 2 | $0.2M | $105K | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | $0.2M | $95K | 0.0% |
561 Missouri loans (3.6%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Jasper County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Jasper County CSV, all 25 lenders
What Jasper County's table can't show you: fit. Short-term financing is exempt from HMDA, so Jasper County's fix-and-flip and bridge lenders barely appear among its 58 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 Jasper County, Missouri deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Jasper 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 — Jasper County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 58 lenders and 394 loans: 2025 HMDA loan-level data rolled up to Jasper County.
- Jasper County investor-lender dataset (CSV) — All 25 lenders in the Jasper County, Missouri table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Jasper 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 Joplin, MO HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Jasper 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.