DSCR Loans in Kings County, New York
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 165 lenders made 2,548 investment-property loans in Kings County, 11.4% of New York's total. Dominick Prevete arranges DSCR loans across Kings County, New York, 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 $580,000.
Kings County investor market at a glance
| Statistic | Kings County | New York | County rank |
|---|---|---|---|
| Investor loans | 2,548 | 22,268 | 1st of 26 |
| Reporting lenders | 165 | 396 | 1st of 26 |
| Loan volume | $2.55B | $11.65B | 1st of 26 |
| Average loan | $1,001K | $523K | 2nd of 26 |
| Median loan | $835K | $405K | 1st of 26 |
| Purchases | 50.9% | 59.1% | 24th of 26 |
| Cash-out refinances | 31.8% | 25.7% | 3rd of 26 |
| 2–4 unit properties | 71.9% | 44.0% | 5th of 26 |
| Top five lenders' share | 22.5% | 22.4% | 26th of 26 |
| Reported business-purpose | 87.0% | 85.6% | 7th of 26 |
Kings County: closed-end loans on 1–4 unit investment properties. Kings County's rank is highest first, among New York'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 $835K, the highest median of New York's 26 counties with published data (statewide: $405K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
The five most active lenders wrote 22.5% of Kings County's investor loans, the lowest share of New York's 26 counties with published data (statewide: 22.4%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
50.9% of Kings County's investor loans were purchases, the 3rd-lowest share of New York's 26 counties with published data (statewide: 59.1%).
Refinances are a larger share here than in most of New York. A DSCR refinance qualifies on the property's current rent.
Does a DSCR loan pencil in Kings County?
At HUD's fair market rent of $3,760 for a 3-bedroom in Kings County, New York, a rental covers its full DSCR payment up to a purchase price of about $580,000, with 20% down at the 7.25% starting rate (November 2026). Kings County's median home value is $905,000; at that price the payment is $5,848 a month, so the property would need $5,850 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) | $2,971 / $3,760 / $4,121 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $905,000 |
| Median property taxes and effective rate | $6,382 (0.71% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $5,848 |
| Rent needed to cover that payment | $5,850 |
| Coverage of a 3-bedroom at fair market rent | 0.64 |
| Highest price a 3-bedroom at fair market rent covers | about $580,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $915,000 |
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 Loan Funder LLC; FM Home Loans, LLC; and CHAMPIONS FUNDING, LLC, out of 165 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 several 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: 2,548 loans and $2.55B from 165 lenders. Loan Funder LLC led Kings County with 160 loans, 6.3% of the county's total, and the average Kings County loan of $1001K compares with $523K across New York.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Loan Funder LLC | 160 | $178.8M | $1117K | 72.5% |
| FM Home Loans, LLC | 118 | $131.1M | $1111K | 49.2% |
| CHAMPIONS FUNDING, LLC | 106 | $115.7M | $1092K | 32.1% |
| Logan Finance Corporation | 96 | $88.5M | $922K | 41.7% |
| Emporium TPO LLC | 93 | $89.3M | $960K | 40.9% |
| Hometown Equity Mortgage, LLC | 91 | $97.2M | $1068K | 31.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 91 | $87.9M | $966K | 49.5% |
| ICE LENDER HOLDINGS LLC | 86 | $98.7M | $1148K | 59.3% |
| THE LOAN STORE, INC. | 81 | $91.7M | $1132K | 43.2% |
| ARK MORTGAGE, INC. | 76 | $79.9M | $1051K | 32.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 73 | $84.8M | $1162K | 41.1% |
| Cathay Bank | 73 | $65.0M | $890K | 76.7% |
| Hanover Community Bank | 56 | $48.2M | $861K | 78.6% |
| First Central Savings Bank | 54 | $47.4M | $878K | 81.5% |
| NEWREZ LLC | 53 | $43.2M | $815K | 52.8% |
| AMERICAN FINANCIAL NETWORK, INC. | 52 | $59.9M | $1151K | 44.2% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 52 | $37.2M | $716K | 19.2% |
| A&D Mortgage LLC | 45 | $38.6M | $857K | 62.2% |
| ARC HOME LLC | 45 | $37.9M | $841K | 73.3% |
| STG MORTGAGE INC | 44 | $41.1M | $933K | 65.9% |
| East West Bank | 44 | $29.7M | $675K | 84.1% |
| Citadel Servicing Corporation | 42 | $44.0M | $1047K | 26.2% |
| JPMorgan Chase Bank, National Association | 42 | $34.5M | $820K | 52.4% |
| TD Bank, National Association | 27 | $31.1M | $1152K | 63.0% |
| Rocket Mortgage, LLC | 25 | $12.8M | $512K | 4.0% |
617 New York loans (2.8%) 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 165 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 several 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, New York deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Kings County, New York 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 165 lenders and 2,548 loans: 2025 HMDA loan-level data rolled up to Kings County.
- Kings County investor-lender dataset (CSV) — All 25 lenders in the Kings County, New York 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 New York, NY HUD Metro FMR Area.
- 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.