DSCR Loans in Kings County, California
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, 63 lenders made 208 investment-property loans in Kings County, 0.4% of California's total. Dominick Prevete arranges DSCR loans across Kings 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 $320,000.
Kings County investor market at a glance
| Statistic | Kings County | California | County rank |
|---|---|---|---|
| Investor loans | 208 | 54,410 | 31st of 39 |
| Reporting lenders | 63 | 630 | 34th of 39 |
| Loan volume | $49.2M | $37.12B | 35th of 39 |
| Average loan | $236K | $682K | 39th of 39 |
| Median loan | $225K | $485K | 38th of 39 |
| Purchases | 49.0% | 51.1% | 26th of 39 |
| Cash-out refinances | 28.4% | 25.6% | 10th of 39 |
| 2–4 unit properties | 9.1% | 16.6% | 33rd of 39 |
| Top five lenders' share | 36.5% | 23.2% | 8th of 39 |
| Reported business-purpose | 75.5% | 71.2% | 6th of 39 |
Kings County: closed-end loans on 1–4 unit investment properties. Kings County's rank is highest first, among California's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Kings County's investor loans.
What stands out in Kings County
The median investor loan in Kings County was $225K, the lowest median of California's 39 counties with published data (statewide: $485K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
By share of investor loans reported as business-purpose, Kings County ranks 6th-highest of California's 39 counties with published data (statewide: 71.2%).
75.5% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
9.1% of Kings County's investor loans financed a 2–4 unit property, the 7th-lowest share of California's 39 counties with published data (statewide: 16.6%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Does a DSCR loan pencil in Kings County?
At HUD's fair market rent of $2,094 for a 3-bedroom in Kings County, California, a rental covers its full DSCR payment up to a purchase price of about $320,000, with 20% down at the 7.25% starting rate (November 2026). Kings County's median home value is $324,300; at that price the payment is $2,107 a month, so the property would need $2,125 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) | $1,512 / $2,094 / $2,467 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $324,300 |
| Median property taxes and effective rate | $2,425 (0.75% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,107 |
| Rent needed to cover that payment | $2,125 |
| Coverage of a 3-bedroom at fair market rent | 0.99 |
| Highest price a 3-bedroom at fair market rent covers | about $320,000 |
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 Kings County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Kings County?
The most active investment-property lenders in Kings County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Kiavi Funding, Inc.; and DEEPHAVEN MORTGAGE LLC, out of 63 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 Kings County, and matches each file to the one most likely to fund it.
Kings County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 208 loans and $49.2M from 63 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Kings County with 22 loans, 10.6% of the county's total, and the average Kings County loan of $236K compares with $682K across California.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 22 | $4.8M | $220K | 50.0% |
| Kiavi Funding, Inc. | 17 | $3.8M | $225K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 15 | $4.2M | $280K | 13.3% |
| GOLDEN EMPIRE MORTGAGE, INC. | 11 | $2.8M | $255K | 63.6% |
| OCMBC, INC. | 11 | $2.3M | $208K | 81.8% |
| Rocket Mortgage, LLC | 10 | $1.8M | $177K | 10.0% |
| CHAMPIONS FUNDING, LLC | 9 | $1.8M | $202K | 22.2% |
| AMERITRUST MORTGAGE CORPORATION | 7 | $1.8M | $262K | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 7 | $1.8M | $255K | 85.7% |
| THE LOAN STORE, INC. | 6 | $1.1M | $182K | 33.3% |
| ResMac, Inc. | 5 | $2.5M | $499K | 0.0% |
| NEXERA HOLDING LLC | 5 | $1.1M | $225K | 60.0% |
| Cornerstone First Mortgage, Inc | 4 | $1.0M | $245K | 50.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | $0.9M | $225K | 25.0% |
| KIND LENDING, LLC | 4 | $0.8M | $213K | 50.0% |
| Commerce Home Mortgage, Inc. | 3 | $0.9M | $295K | 66.7% |
| Wells Fargo Bank, National Association | 3 | $0.8M | $272K | 100.0% |
| DHI MORTGAGE COMPANY, LTD. | 3 | $0.7M | $245K | 100.0% |
| LENNAR MORTGAGE, LLC | 3 | $0.7M | $245K | 100.0% |
| CONVENTUS LLC | 3 | $0.5M | $172K | 100.0% |
| FAMILIES AND SCHOOLS TOGETHER FEDERAL CREDIT UNION | 3 | $0.5M | $152K | 0.0% |
| AMWEST FUNDING CORP. | 2 | $0.6M | $300K | 50.0% |
| Loandepot.Com, LLC | 2 | $0.6M | $295K | 0.0% |
| VALLEY STRONG CREDIT UNION | 2 | $0.6M | $275K | 50.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 2 | $0.6M | $275K | 100.0% |
1,726 California loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Kings County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Kings County CSV, all 25 lenders
What Kings County's table can't show you: fit. Short-term financing is exempt from HMDA, so Kings County's fix-and-flip and bridge lenders barely appear among its 63 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 Kings County, California deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Kings 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 — Kings County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 63 lenders and 208 loans: 2025 HMDA loan-level data rolled up to Kings County.
- Kings County investor-lender dataset (CSV) — All 25 lenders in the Kings County, California table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Kings 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 Hanford-Corcoran, CA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Kings 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.