DSCR Loans in Jessamine County, Kentucky
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 38 lenders made 142 investment-property loans in Jessamine County, 1.8% of Kentucky's total. Dominick Prevete arranges DSCR loans across Jessamine County, Kentucky, 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 $300,000.
Jessamine County investor market at a glance
| Statistic | Jessamine County | Kentucky | County rank |
|---|---|---|---|
| Investor loans | 142 | 7,902 | 12th of 14 |
| Reporting lenders | 38 | 369 | 10th of 14 |
| Loan volume | $52.5M | $1.53B | 5th of 14 |
| Average loan | $370K | $193K | 1st of 14 |
| Median loan | $180K | $155K | 6th of 14 |
| Purchases | 54.9% | 58.5% | 11th of 14 |
| Cash-out refinances | 10.6% | 12.4% | 6th of 14 |
| 2–4 unit properties | 29.6% | 19.3% | 3rd of 14 |
| Top five lenders' share | 49.3% | 15.4% | 7th of 14 |
| Reported business-purpose | 60.6% | 60.6% | 9th of 14 |
Jessamine County: closed-end loans on 1–4 unit investment properties. Jessamine County's rank is highest first, among Kentucky's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Jessamine County's investor loans.
What stands out in Jessamine County
The average investor loan in Jessamine County was $370K, the highest average of Kentucky's 14 counties with published data (statewide: $193K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
29.6% of Jessamine County's investor loans financed a 2–4 unit property, the 3rd-highest share of Kentucky's 14 counties with published data (statewide: 19.3%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
Does a DSCR loan pencil in Jessamine County?
At HUD's fair market rent of $1,948 for a 3-bedroom in Jessamine County, Kentucky, a rental covers its full DSCR payment up to a purchase price of about $300,000, with 20% down at the 7.25% starting rate (November 2026). Jessamine County's median home value is $268,100; at that price the payment is $1,738 a month, so the property would need $1,750 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) | $1,416 / $1,948 / $2,108 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $268,100 |
| Median property taxes and effective rate | $1,960 (0.73% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,738 |
| Rent needed to cover that payment | $1,750 |
| Coverage of a 3-bedroom at fair market rent | 1.12 |
| Highest price a 3-bedroom at fair market rent covers | about $300,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $435,000 |
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 Jessamine County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Jessamine County?
The most active investment-property lenders in Jessamine County in 2025 HMDA data were The Farmers Bank, City National Bank of West Virginia and United Wholesale Mortgage, out of 38 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 and matches each file to the one most likely to fund it.
Jessamine County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 142 loans and $52.5M from 38 lenders. The Farmers Bank led Jessamine County with 27 loans, 19.0% of the county's total, and the average Jessamine County loan of $370K compares with $193K across Kentucky.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| The Farmers Bank | 27 | $5.1M | $189K | 59.3% |
| City National Bank of West Virginia | 18 | $3.8M | $209K | 44.4% |
| United Wholesale Mortgage | 9 | $1.1M | $127K | 11.1% |
| Loan Funder LLC | 8 | $3.0M | $379K | 87.5% |
| The Citizens National Bank of Somerset | 8 | $1.9M | $240K | 87.5% |
| COMMONWEALTH | 7 | $1.4M | $206K | 14.3% |
| Bank of Lexington, Inc. | 7 | $1.2M | $171K | 71.4% |
| First Southern National Bank | 6 | $1.3M | $210K | 50.0% |
| Central Bank & Trust Company | 5 | $1.3M | $263K | 80.0% |
| Traditional Bank, Inc. | 4 | $1.5M | $368K | 100.0% |
| Stock Yards Bank & Trust Company | 4 | $1.0M | $248K | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | $0.6M | $192K | 0.0% |
| Rocket Mortgage, LLC | 3 | $0.4M | $132K | 66.7% |
| SOUTH CENTRAL BANK, INC. | 2 | $1.2M | $585K | 50.0% |
| Community Trust Bank, Inc. | 2 | $1.1M | $545K | 0.0% |
| Guardian Savings Bank | 2 | $0.7M | $340K | 100.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | $0.6M | $305K | 100.0% |
| Bank of the Bluegrass and Trust Company | 2 | $0.6M | $300K | 50.0% |
| Forcht Bank, National Association | 2 | $0.4M | $215K | 50.0% |
| OCMBC, INC. | 2 | $0.4M | $195K | 50.0% |
| JPMorgan Chase Bank, National Association | 2 | $0.3M | $140K | 100.0% |
| American Bank & Trust Company, Inc. | 1 | $19.0M | $19005K | 0.0% |
| The Monticello Banking Company | 1 | $1.4M | $1445K | 100.0% |
| FIELD & MAIN BANK, INC. | 1 | $0.8M | $775K | 100.0% |
| Commerce Home Mortgage, Inc. | 1 | $0.4M | $365K | 100.0% |
117 Kentucky loans (1.5%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Jessamine County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Jessamine County CSV, all 25 lenders
What Jessamine County's table can't show you: fit. Short-term financing is exempt from HMDA, so Jessamine County's fix-and-flip and bridge lenders barely appear among its 38 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 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 Jessamine County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Jessamine County |
|---|---|---|---|
| Fayette County, KY | 793 | 126 | Borders Jessamine County |
| Madison County, KY | 155 | 53 | Borders Jessamine County |
| Scott County, KY | 116 | 44 | About 30 miles away |
| Jefferson County, KY | 1,842 | 182 | About 60 miles away |
Run the coverage test on your Jessamine County, Kentucky deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Jessamine County, Kentucky 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 — Jessamine County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 38 lenders and 142 loans: 2025 HMDA loan-level data rolled up to Jessamine County.
- Jessamine County investor-lender dataset (CSV) — All 25 lenders in the Jessamine County, Kentucky table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Jessamine 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 Lexington-Fayette, KY MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Jessamine 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.