DSCR Loans in Johnson County, Kansas
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 171 lenders made 922 investment-property loans in Johnson County, 14.9% of Kansas's total. Dominick Prevete arranges DSCR loans across Johnson County, Kansas, 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.
Johnson County investor market at a glance
| Statistic | Johnson County | Kansas | County rank |
|---|---|---|---|
| Investor loans | 922 | 6,189 | 2nd of 9 |
| Reporting lenders | 171 | 354 | 1st of 9 |
| Loan volume | $318.7M | $1.11B | 1st of 9 |
| Average loan | $346K | $180K | 1st of 9 |
| Median loan | $255K | $135K | 1st of 9 |
| Purchases | 67.6% | 57.5% | 1st of 9 |
| Cash-out refinances | 10.4% | 11.8% | 6th of 9 |
| 2–4 unit properties | 11.2% | 20.4% | 9th of 9 |
| Top five lenders' share | 27.0% | 18.4% | 9th of 9 |
| Reported business-purpose | 70.5% | 58.9% | 2nd of 9 |
Johnson County: closed-end loans on 1–4 unit investment properties. Johnson County's rank is highest first, among Kansas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Johnson County's investor loans.
What stands out in Johnson County
The average investor loan in Johnson County was $346K, the highest average of Kansas's 9 counties with published data (statewide: $180K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
11.2% of Johnson County's investor loans financed a 2–4 unit property, the lowest share of Kansas's 9 counties with published data (statewide: 20.4%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
67.6% of Johnson County's investor loans were purchases, the highest share of Kansas's 9 counties with published data (statewide: 57.5%).
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.
Does a DSCR loan pencil in Johnson County?
At HUD's fair market rent of $2,020 for a 3-bedroom in Johnson County, Kansas, 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). Johnson County's median home value is $391,200; at that price the payment is $2,669 a month, so the property would need $2,675 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) | $1,546 / $2,020 / $2,419 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $391,200 |
| Median property taxes and effective rate | $4,447 (1.14% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,669 |
| Rent needed to cover that payment | $2,675 |
| Coverage of a 3-bedroom at fair market rent | 0.76 |
| 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 Johnson County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Johnson County?
The most active investment-property lenders in Johnson County in 2025 HMDA data were COMMUNITYAMERICA FEDERAL CREDIT UNION; Kiavi Funding, Inc.; and Mid-America Bank, out of 171 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 Johnson County, and matches each file to the one most likely to fund it.
Johnson County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 922 loans and $318.7M from 171 lenders. COMMUNITYAMERICA FEDERAL CREDIT UNION led Johnson County with 69 loans, 7.5% of the county's total, and the average Johnson County loan of $346K compares with $180K across Kansas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| COMMUNITYAMERICA FEDERAL CREDIT UNION | 69 | $16.8M | $243K | 84.1% |
| Kiavi Funding, Inc. | 67 | $20.0M | $299K | 89.6% |
| Mid-America Bank | 46 | $14.9M | $323K | 76.1% |
| Fairway Independent Mortgage Corporation | 37 | $9.4M | $255K | 83.8% |
| THE LOAN STORE, INC. | 30 | $7.7M | $256K | 66.7% |
| United Wholesale Mortgage | 27 | $7.3M | $270K | 77.8% |
| First National Bank of Omaha | 25 | $4.3M | $172K | 16.0% |
| PENNYMAC LOAN SERVICES, LLC | 24 | $7.2M | $299K | 70.8% |
| First State Bank of St. Charles, Missouri | 24 | $6.9M | $287K | 58.3% |
| COMMUNITY MORTGAGE, LLC | 18 | $4.7M | $262K | 22.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 17 | $4.5M | $265K | 64.7% |
| Outdoor Bank | 16 | $8.7M | $543K | 25.0% |
| Arvest Bank | 15 | $5.2M | $346K | 73.3% |
| Bank of Prairie Village | 12 | $3.1M | $260K | 83.3% |
| UMB Bank, National Association | 12 | $3.0M | $254K | 58.3% |
| FIRST OPTION BANK | 11 | $3.6M | $326K | 18.2% |
| The Central Trust Bank | 11 | $3.2M | $293K | 90.9% |
| Fidelity Bank, National Association | 11 | $3.0M | $277K | 90.9% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 9 | $3.1M | $344K | 100.0% |
| Great American Bank | 9 | $2.8M | $307K | 88.9% |
| LEADERONE FINANCIAL CORPORATION | 9 | $2.1M | $229K | 77.8% |
| Bell Bank | 9 | $2.1M | $229K | 44.4% |
| Waterstone Mortgage Corporation | 9 | $2.0M | $225K | 55.6% |
| Oakstar Bank | 8 | $5.2M | $646K | 87.5% |
| CoreFirst Bank & Trust | 8 | $2.4M | $303K | 87.5% |
139 Kansas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Johnson County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Johnson County CSV, all 25 lenders
What Johnson County's table can't show you: fit. Short-term financing is exempt from HMDA, so Johnson County's fix-and-flip and bridge lenders barely appear among its 171 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 →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 Johnson County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Johnson County |
|---|---|---|---|
| Wyandotte County, KS | 483 | 109 | Borders Johnson County |
| Douglas County, KS | 306 | 74 | Borders Johnson County |
| Jackson County, MO | 2,351 | 224 | Borders Johnson County |
| Leavenworth County, KS | 131 | 57 | Borders Johnson County |
| Cass County, MO | 225 | 70 | Borders Johnson County |
| Shawnee County, KS | 482 | 57 | About 50 miles away |
| Johnson County, MO | 164 | 40 | About 55 miles away |
Run the coverage test on your Johnson County, Kansas deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Johnson County, Kansas 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 — Johnson County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 171 lenders and 922 loans: 2025 HMDA loan-level data rolled up to Johnson County.
- Johnson County investor-lender dataset (CSV) — All 25 lenders in the Johnson County, Kansas table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Johnson 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 — Johnson 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.