DSCR Loans in Kenton County, Kentucky
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 88 lenders made 396 investment-property loans in Kenton County, 5.0% of Kentucky's total. Dominick Prevete arranges DSCR loans across Kenton 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 $280,000.
Kenton County investor market at a glance
| Statistic | Kenton County | Kentucky | County rank |
|---|---|---|---|
| Investor loans | 396 | 7,902 | 4th of 14 |
| Reporting lenders | 88 | 369 | 3rd of 14 |
| Loan volume | $79.2M | $1.53B | 4th of 14 |
| Average loan | $200K | $193K | 7th of 14 |
| Median loan | $175K | $155K | 7th of 14 |
| Purchases | 48.5% | 58.5% | 14th of 14 |
| Cash-out refinances | 21.2% | 12.4% | 2nd of 14 |
| 2–4 unit properties | 25.5% | 19.3% | 5th of 14 |
| Top five lenders' share | 37.4% | 15.4% | 10th of 14 |
| Reported business-purpose | 82.3% | 60.6% | 1st of 14 |
Kenton County: closed-end loans on 1–4 unit investment properties. Kenton County's rank is highest first, among Kentucky's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Kenton County's investor loans.
What stands out in Kenton County
48.5% of Kenton County's investor loans were purchases, the lowest share of Kentucky's 14 counties with published data (statewide: 58.5%).
Most investor loans here refinance property investors already own. A DSCR refinance qualifies on the property's current rent.
By share of investor loans reported as business-purpose, Kenton County ranks highest of Kentucky's 14 counties with published data (statewide: 60.6%).
82.3% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
21.2% of Kenton County's investor loans were cash-out refinances, the 2nd-highest share of Kentucky's 14 counties with published data (statewide: 12.4%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
Does a DSCR loan pencil in Kenton County?
At HUD's fair market rent of $1,897 for a 3-bedroom in Kenton County, Kentucky, a rental covers its full DSCR payment up to a purchase price of about $280,000, with 20% down at the 7.25% starting rate (November 2026). Kenton County's median home value is $244,400; at that price the payment is $1,635 a month, so the property would need $1,650 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) | $1,442 / $1,897 / $2,141 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $244,400 |
| Median property taxes and effective rate | $2,395 (0.98% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,635 |
| Rent needed to cover that payment | $1,650 |
| Coverage of a 3-bedroom at fair market rent | 1.16 |
| Highest price a 3-bedroom at fair market rent covers | about $280,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $430,000 |
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 Kenton County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Kenton County?
The most active investment-property lenders in Kenton County in 2025 HMDA data were Kiavi Funding, Inc.; MM LENDING, LLC; and CV3 Financial Services, LLC, out of 88 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 Kenton County, and matches each file to the one most likely to fund it.
Kenton County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 396 loans and $79.2M from 88 lenders. Kiavi Funding, Inc. led Kenton County with 48 loans, 12.1% of the county's total, and the average Kenton County loan of $200K compares with $193K across Kentucky.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 48 | $9.0M | $188K | 70.8% |
| MM LENDING, LLC | 47 | $7.9M | $169K | 0.0% |
| CV3 Financial Services, LLC | 19 | $3.6M | $191K | 42.1% |
| United Wholesale Mortgage | 18 | $3.5M | $193K | 61.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 16 | $3.3M | $208K | 87.5% |
| Guardian Savings Bank | 16 | $3.2M | $198K | 68.8% |
| Loan Funder LLC | 12 | $2.0M | $168K | 8.3% |
| First National Bank of Kentucky | 10 | $2.5M | $249K | 50.0% |
| The Huntington National Bank | 10 | $2.4M | $235K | 60.0% |
| LENDINGONE, LLC | 10 | $1.6M | $165K | 0.0% |
| German American Bank | 9 | $1.7M | $188K | 77.8% |
| UNION HOME MORTGAGE CORP. | 9 | $1.5M | $166K | 100.0% |
| STOCKTON MORTGAGE CORPORATION | 9 | $1.3M | $146K | 44.4% |
| HOMEXPRESS MORTGAGE CORP. | 8 | $1.6M | $204K | 0.0% |
| CHAMPIONS FUNDING, LLC | 8 | $1.4M | $170K | 12.5% |
| VICTORY MORTGAGE, L.L.C. | 7 | $1.3M | $185K | 85.7% |
| Heritage Bank, Inc. | 6 | $1.2M | $200K | 100.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 6 | $1.1M | $187K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 6 | $0.9M | $152K | 16.7% |
| BPL MORTGAGE TRUST, LLC | 6 | $0.9M | $148K | 33.3% |
| LIMA ONE CAPITAL, LLC | 5 | $1.0M | $193K | 20.0% |
| THE LOAN STORE, INC. | 5 | $0.9M | $173K | 80.0% |
| Rocket Mortgage, LLC | 5 | $0.8M | $161K | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 4 | $0.7M | $180K | 25.0% |
| Union Savings Bank | 4 | $0.7M | $170K | 50.0% |
117 Kentucky loans (1.5%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Kenton County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Kenton County CSV, all 25 lenders
What Kenton County's table can't show you: fit. Short-term financing is exempt from HMDA, so Kenton County's fix-and-flip and bridge lenders barely appear among its 88 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 Kenton County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Kenton County |
|---|---|---|---|
| Campbell County, KY | 218 | 82 | Borders Kenton County |
| Boone County, KY | 148 | 61 | Borders Kenton County |
| Hamilton County, OH | 1,906 | 221 | Borders Kenton County |
| Clermont County, OH | 195 | 72 | About 20 miles away |
| Scott County, KY | 116 | 44 | About 45 miles away |
| Fayette County, KY | 793 | 126 | About 60 miles away |
Run the coverage test on your Kenton County, Kentucky deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Kenton 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 — Kenton County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 88 lenders and 396 loans: 2025 HMDA loan-level data rolled up to Kenton County.
- Kenton County investor-lender dataset (CSV) — All 25 lenders in the Kenton County, Kentucky table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Kenton 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 Cincinnati, OH-KY-IN HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Kenton 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.