DSCR Loans in Kane County, Illinois
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 140 lenders made 658 investment-property loans in Kane County, 3.5% of Illinois's total. Dominick Prevete arranges DSCR loans across Kane County, Illinois, 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 $330,000.
Kane County investor market at a glance
| Statistic | Kane County | Illinois | County rank |
|---|---|---|---|
| Investor loans | 658 | 19,010 | 7th of 20 |
| Reporting lenders | 140 | 610 | 5th of 20 |
| Loan volume | $152.8M | $5.59B | 6th of 20 |
| Average loan | $232K | $294K | 6th of 20 |
| Median loan | $215K | $175K | 3rd of 20 |
| Purchases | 63.4% | 61.9% | 14th of 20 |
| Cash-out refinances | 18.5% | 18.5% | 4th of 20 |
| 2–4 unit properties | 16.0% | 22.4% | 14th of 20 |
| Top five lenders' share | 29.6% | 20.7% | 18th of 20 |
| Reported business-purpose | 75.8% | 68.0% | 5th of 20 |
Kane County: closed-end loans on 1–4 unit investment properties. Kane County's rank is highest first, among Illinois's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Kane County's investor loans.
What stands out in Kane County
The median investor loan in Kane County was $215K, the 3rd-highest median of Illinois's 20 counties with published data (statewide: $175K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
The five most active lenders wrote 29.6% of Kane County's investor loans, the 3rd-lowest share of Illinois's 20 counties with published data (statewide: 20.7%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
18.5% of Kane County's investor loans were cash-out refinances, the 4th-highest share of Illinois's 20 counties with published data (statewide: 18.5%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
Does a DSCR loan pencil in Kane County?
At HUD's fair market rent of $2,586 for a 3-bedroom in Kane County, Illinois, a rental covers its full DSCR payment up to a purchase price of about $330,000, with 20% down at the 7.25% starting rate (November 2026). Kane County's median home value is $327,000; at that price the payment is $2,536 a month, so the property would need $2,550 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) | $2,011 / $2,586 / $2,954 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $327,000 |
| Median property taxes and effective rate | $7,382 (2.26% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,536 |
| Rent needed to cover that payment | $2,550 |
| Coverage of a 3-bedroom at fair market rent | 1.02 |
| Highest price a 3-bedroom at fair market rent covers | about $330,000 |
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 Kane County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Kane County?
The most active investment-property lenders in Kane County in 2025 HMDA data were Kiavi Funding, Inc.; THE LOAN STORE, INC.; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 140 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 Kane County, and matches each file to the one most likely to fund it.
Kane County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 658 loans and $152.8M from 140 lenders. Kiavi Funding, Inc. led Kane County with 57 loans, 8.7% of the county's total, and the average Kane County loan of $232K compares with $294K across Illinois.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 57 | $13.2M | $231K | 50.9% |
| THE LOAN STORE, INC. | 48 | $10.3M | $215K | 64.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 33 | $7.4M | $225K | 57.6% |
| GUILD MORTGAGE COMPANY | 31 | $6.5M | $211K | 67.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 26 | $6.5M | $249K | 61.5% |
| Loan Funder LLC | 25 | $6.0M | $241K | 56.0% |
| DHI MORTGAGE COMPANY, LTD. | 20 | $6.0M | $298K | 100.0% |
| GUARANTEED RATE, INC. | 20 | $4.4M | $221K | 60.0% |
| Emporium TPO LLC | 18 | $3.7M | $205K | 50.0% |
| JPMorgan Chase Bank, National Association | 16 | $3.5M | $216K | 56.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 15 | $3.1M | $204K | 80.0% |
| Republic Bank of Chicago | 15 | $2.6M | $176K | 100.0% |
| OCMBC, INC. | 13 | $3.7M | $286K | 46.2% |
| Fairway Independent Mortgage Corporation | 10 | $2.2M | $221K | 80.0% |
| Rocket Mortgage, LLC | 10 | $2.0M | $202K | 70.0% |
| Old Second National Bank | 9 | $2.5M | $278K | 88.9% |
| First State Bank | 9 | $2.4M | $271K | 44.4% |
| PENNYMAC LOAN SERVICES, LLC | 9 | $2.4M | $269K | 88.9% |
| GREENSTATE Credit Union | 9 | $2.2M | $239K | 66.7% |
| BPL MORTGAGE TRUST, LLC | 9 | $1.9M | $212K | 33.3% |
| NEXERA HOLDING LLC | 8 | $1.9M | $240K | 25.0% |
| The Federal Savings Bank | 8 | $1.9M | $238K | 62.5% |
| American Community Bank & Trust | 7 | $1.6M | $225K | 0.0% |
| AMWEST FUNDING CORP. | 7 | $1.5M | $219K | 85.7% |
| First American Bank | 7 | $1.3M | $182K | 42.9% |
388 Illinois loans (2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Kane County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Kane County CSV, all 25 lenders
What Kane County's table can't show you: fit. Short-term financing is exempt from HMDA, so Kane County's fix-and-flip and bridge lenders barely appear among its 140 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 Kane County, Illinois deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Kane County, Illinois 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 — Kane County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 140 lenders and 658 loans: 2025 HMDA loan-level data rolled up to Kane County.
- Kane County investor-lender dataset (CSV) — All 25 lenders in the Kane County, Illinois table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Kane 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 Chicago-Joliet-Naperville, IL HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Kane 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.