DSCR Loans in Kaufman County, Texas
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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Dominick Prevete arranges DSCR loans across Kaufman County, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.125% (October 2026), and most close in 14 days. In 2025 HMDA data, 137 lenders made 568 investment-property loans there, 1.1% of Texas's total; the most active are in the table below.
Kaufman County investor market at a glance
| Statistic | Kaufman County | Texas | County rank |
|---|---|---|---|
| Investor loans | 568 | 49,613 | 20th of 51 |
| Reporting lenders | 137 | 903 | 18th of 51 |
| Loan volume | $137.7M | $13.00B | 20th of 51 |
| Average loan | $242K | $262K | 25th of 51 |
| Median loan | $225K | $205K | 11th of 51 |
| Purchases | 80.1% | 61.7% | 2nd of 51 |
| Cash-out refinances | 7.4% | 17.9% | 50th of 51 |
| 2–4 unit properties | 1.1% | 8.8% | 49th of 51 |
| Top five lenders' share | 33.6% | 18.3% | 20th of 51 |
| Reported business-purpose | 61.6% | 68.5% | 38th of 51 |
Kaufman County: closed-end loans on 1–4 unit investment properties. Kaufman County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Kaufman County's investor loans.
What stands out in Kaufman County
80.1% of Kaufman County's investor loans were purchases, the second-highest share of Texas's 51 counties with published data (statewide: 61.7%).
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.
1.1% of Kaufman County's investor loans financed a 2–4 unit property, the third-lowest share of Texas's 51 counties with published data (statewide: 8.8%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Who are the DSCR and investment-property lenders in Kaufman County?
The most active investment-property lenders in Kaufman County in 2025 HMDA data were LENNAR MORTGAGE, LLC; THE LOAN STORE, INC.; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 137 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 two that reported in Kaufman County, and matches each file to the one most likely to fund it.
Kaufman County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 568 loans and $137.7M from 137 lenders. LENNAR MORTGAGE, LLC led Kaufman County with 80 loans, 14.1% of the county's total, and the average Kaufman County loan of $242K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| LENNAR MORTGAGE, LLC | 80 | $15.5M | $194K | 100.0% |
| THE LOAN STORE, INC. | 35 | $9.0M | $258K | 82.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 27 | $6.0M | $224K | 66.7% |
| VELOCIO MORTGAGE L.L.C. | 25 | $6.6M | $265K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 24 | $5.1M | $213K | 95.8% |
| AMERICAN HERITAGE LENDING, LLC | 16 | $6.6M | $413K | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 14 | $3.8M | $269K | 85.7% |
| PULTE MORTGAGE LLC | 14 | $3.4M | $240K | 100.0% |
| A&D Mortgage LLC | 14 | $2.6M | $184K | 92.9% |
| PANORAMA MORTGAGE GROUP, LLC | 14 | $2.3M | $165K | 100.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 13 | $2.0M | $155K | 46.2% |
| FBC MORTGAGE, LLC | 9 | $2.8M | $312K | 100.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 9 | $2.1M | $233K | 88.9% |
| Paramount Residential Mortgage Group, Inc. | 8 | $2.5M | $316K | 100.0% |
| Citadel Servicing Corporation | 8 | $2.1M | $266K | 75.0% |
| OCMBC, INC. | 8 | $1.8M | $225K | 100.0% |
| Kiavi Funding, Inc. | 8 | $1.5M | $188K | 50.0% |
| NexBank | 6 | $1.8M | $298K | 100.0% |
| Rocket Mortgage, LLC | 6 | $1.4M | $233K | 50.0% |
| AMWEST FUNDING CORP. | 6 | $1.3M | $220K | 83.3% |
| AML FUNDING LLC | 5 | $1.4M | $285K | 100.0% |
| AMERITRUST MORTGAGE CORPORATION | 5 | $1.2M | $241K | 100.0% |
| GUILD MORTGAGE COMPANY | 5 | $1.2M | $235K | 60.0% |
| EVERETT FINANCIAL, INC. | 5 | $1.0M | $203K | 100.0% |
| City Bank | 4 | $1.1M | $270K | 75.0% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Kaufman County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Kaufman County CSV, all 25 lenders
What Kaufman County's table can't show you: fit. Short-term financing is exempt from HMDA, so Kaufman County's fix-and-flip and bridge lenders barely appear among its 137 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 Kaufman County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Kaufman County 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 — Kaufman County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 137 lenders and 568 loans: 2025 HMDA loan-level data rolled up to Kaufman County.
- Kaufman County investor-lender dataset (CSV) — All 25 Kaufman County lenders in the table, LENNAR MORTGAGE, LLC first, with volume, average loan and purchase share for each.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.125%, as of October 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.