DSCR Loans in Kern County, California
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 177 lenders made 1,568 investment-property loans in Kern County, 2.9% of California's total. Dominick Prevete arranges DSCR loans across Kern County, California, 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 $345,000.
Kern County investor market at a glance
| Statistic | Kern County | California | County rank |
|---|---|---|---|
| Investor loans | 1,568 | 54,410 | 9th of 39 |
| Reporting lenders | 177 | 630 | 10th of 39 |
| Loan volume | $401.0M | $37.12B | 18th of 39 |
| Average loan | $256K | $682K | 36th of 39 |
| Median loan | $235K | $485K | 37th of 39 |
| Purchases | 55.7% | 51.1% | 14th of 39 |
| Cash-out refinances | 27.9% | 25.6% | 11th of 39 |
| 2–4 unit properties | 21.0% | 16.6% | 8th of 39 |
| Top five lenders' share | 29.5% | 23.2% | 21st of 39 |
| Reported business-purpose | 74.3% | 71.2% | 8th of 39 |
Kern County: closed-end loans on 1–4 unit investment properties. Kern County's rank is highest first, among California's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Kern County's investor loans.
What stands out in Kern County
The median investor loan in Kern County was $235K, the 3rd-lowest median of California's 39 counties with published data (statewide: $485K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
21.0% of Kern County's investor loans financed a 2–4 unit property, the 8th-highest share of California's 39 counties with published data (statewide: 16.6%).
2–4 unit properties are a larger share here than in most of California. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
By share of investor loans reported as business-purpose, Kern County ranks 8th-highest of California's 39 counties with published data (statewide: 71.2%).
74.3% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Does a DSCR loan pencil in Kern County?
At HUD's fair market rent of $2,293 for a 3-bedroom in Kern County, California, a rental covers its full DSCR payment up to a purchase price of about $345,000, with 20% down at the 7.25% starting rate (November 2026). Kern County's median home value is $338,300; at that price the payment is $2,236 a month, so the property would need $2,250 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) | $1,656 / $2,293 / $2,768 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $338,300 |
| Median property taxes and effective rate | $2,984 (0.88% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,236 |
| Rent needed to cover that payment | $2,250 |
| Coverage of a 3-bedroom at fair market rent | 1.03 |
| Highest price a 3-bedroom at fair market rent covers | about $345,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $500,000 |
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 Kern County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Kern County?
The most active investment-property lenders in Kern County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Kiavi Funding, Inc.; and OCMBC, INC., out of 177 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 Kern County, and matches each file to the one most likely to fund it.
Kern County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,568 loans and $401.0M from 177 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Kern County with 136 loans, 8.7% of the county's total, and the average Kern County loan of $256K compares with $682K across California.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 136 | $35.4M | $261K | 45.6% |
| Kiavi Funding, Inc. | 110 | $26.6M | $242K | 85.5% |
| OCMBC, INC. | 107 | $26.2M | $245K | 52.3% |
| Rocket Mortgage, LLC | 64 | $16.6M | $259K | 45.3% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 45 | $9.5M | $210K | 100.0% |
| THE LOAN STORE, INC. | 43 | $12.1M | $282K | 65.1% |
| KIND LENDING, LLC | 42 | $10.9M | $260K | 57.1% |
| MORIA DEVELOPMENT, INC. | 38 | $9.2M | $243K | 60.5% |
| PENNYMAC LOAN SERVICES, LLC | 30 | $10.3M | $344K | 80.0% |
| Commerce Home Mortgage, Inc. | 30 | $6.9M | $231K | 30.0% |
| DIGNIFIED HOME LOANS, LLC | 29 | $7.8M | $267K | 37.9% |
| ROYAL PACIFIC FUNDING CORP. | 29 | $6.9M | $237K | 48.3% |
| CHAMPIONS FUNDING, LLC | 28 | $8.4M | $300K | 42.9% |
| VALLEY STRONG CREDIT UNION | 27 | $4.5M | $166K | 29.6% |
| AMWEST FUNDING CORP. | 25 | $5.5M | $220K | 32.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 24 | $7.6M | $318K | 79.2% |
| Hometown Equity Mortgage, LLC | 24 | $6.3M | $261K | 58.3% |
| Sierra Pacific Mortgage Company, Inc. | 23 | $7.0M | $302K | 87.0% |
| DHI MORTGAGE COMPANY, LTD. | 22 | $7.1M | $323K | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 21 | $4.8M | $228K | 14.3% |
| LENNAR MORTGAGE, LLC | 19 | $5.7M | $302K | 100.0% |
| NEWREZ LLC | 19 | $5.7M | $299K | 42.1% |
| JPMorgan Chase Bank, National Association | 19 | $4.3M | $227K | 47.4% |
| GOLDEN EMPIRE MORTGAGE, INC. | 18 | $3.9M | $218K | 66.7% |
| AMERITRUST MORTGAGE CORPORATION | 17 | $4.6M | $271K | 47.1% |
1,726 California loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Kern County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Kern County CSV, all 25 lenders
What Kern County's table can't show you: fit. Short-term financing is exempt from HMDA, so Kern County's fix-and-flip and bridge lenders barely appear among its 177 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 Kern County, California deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Kern County, California 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 — Kern County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 177 lenders and 1,568 loans: 2025 HMDA loan-level data rolled up to Kern County.
- Kern County investor-lender dataset (CSV) — All 25 lenders in the Kern County, California table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Kern 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 Bakersfield-Delano, CA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Kern 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.