DSCR Loans in Kitsap County, Washington
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 95 lenders made 330 investment-property loans in Kitsap County, 3.3% of Washington's total. Dominick Prevete arranges DSCR loans across Kitsap County, Washington, 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 $400,000.
Kitsap County investor market at a glance
| Statistic | Kitsap County | Washington | County rank |
|---|---|---|---|
| Investor loans | 330 | 9,950 | 7th of 17 |
| Reporting lenders | 95 | 382 | 7th of 17 |
| Loan volume | $117.8M | $4.66B | 8th of 17 |
| Average loan | $357K | $468K | 9th of 17 |
| Median loan | $325K | $395K | 10th of 17 |
| Purchases | 59.4% | 53.8% | 4th of 17 |
| Cash-out refinances | 13.6% | 18.8% | 17th of 17 |
| 2–4 unit properties | 15.5% | 13.9% | 10th of 17 |
| Top five lenders' share | 33.9% | 20.1% | 5th of 17 |
| Reported business-purpose | 71.2% | 74.8% | 13th of 17 |
Kitsap County: closed-end loans on 1–4 unit investment properties. Kitsap County's rank is highest first, among Washington's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Kitsap County's investor loans.
What stands out in Kitsap County
13.6% of Kitsap County's investor loans were cash-out refinances, the lowest share of Washington's 17 counties with published data (statewide: 18.8%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
59.4% of Kitsap County's investor loans were purchases, the 4th-highest share of Washington's 17 counties with published data (statewide: 53.8%).
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.
Does a DSCR loan pencil in Kitsap County?
At HUD's fair market rent of $2,637 for a 3-bedroom in Kitsap County, Washington, a rental covers its full DSCR payment up to a purchase price of about $400,000, with 20% down at the 7.25% starting rate (November 2026). Kitsap County's median home value is $555,100; at that price the payment is $3,617 a month, so the property would need $3,625 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) | $1,967 / $2,637 / $2,804 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $555,100 |
| Median property taxes and effective rate | $4,279 (0.77% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,617 |
| Rent needed to cover that payment | $3,625 |
| Coverage of a 3-bedroom at fair market rent | 0.73 |
| Highest price a 3-bedroom at fair market rent covers | about $400,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $600,000 |
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 Kitsap County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Kitsap County?
The most active investment-property lenders in Kitsap County in 2025 HMDA data were Eastside Funding LLC; CROSSCOUNTRY MORTGAGE, INC.; and Rocket Mortgage, LLC, out of 95 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 one that reported in Kitsap County, and matches each file to the one most likely to fund it.
Kitsap County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 330 loans and $117.8M from 95 lenders. Eastside Funding LLC led Kitsap County with 50 loans, 15.2% of the county's total, and the average Kitsap County loan of $357K compares with $468K across Washington.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Eastside Funding LLC | 50 | $12.9M | $259K | 86.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 21 | $6.3M | $300K | 57.1% |
| Rocket Mortgage, LLC | 16 | $5.5M | $343K | 50.0% |
| MOVEMENT MORTGAGE, LLC | 13 | $5.8M | $444K | 84.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 12 | $3.6M | $303K | 58.3% |
| NEWREZ LLC | 10 | $3.3M | $333K | 60.0% |
| DHI MORTGAGE COMPANY, LTD. | 9 | $3.6M | $404K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 9 | $3.6M | $404K | 55.6% |
| THE LOAN STORE, INC. | 7 | $4.6M | $662K | 42.9% |
| INSPIRE HOME LOANS INC. | 7 | $3.3M | $478K | 100.0% |
| RAIN CITY CAPITAL, LLC | 7 | $2.3M | $335K | 0.0% |
| Kiavi Funding, Inc. | 7 | $2.2M | $318K | 85.7% |
| KITSAP Credit Union | 7 | $1.2M | $166K | 14.3% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 6 | $2.0M | $335K | 33.3% |
| GUARANTEED RATE, INC. | 5 | $2.5M | $509K | 100.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 5 | $2.1M | $423K | 80.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 5 | $1.4M | $281K | 60.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | $1.8M | $450K | 0.0% |
| Broker Solutions, Inc. | 4 | $1.7M | $430K | 75.0% |
| OCMBC, INC. | 4 | $1.7M | $415K | 50.0% |
| CANOPY MORTGAGE, LLC | 4 | $1.3M | $320K | 50.0% |
| KIND LENDING, LLC | 4 | $1.1M | $285K | 50.0% |
| CV3 FINANCIAL SERVICES, LLC | 4 | $1.0M | $260K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | $0.7M | $168K | 25.0% |
| OriginPoint, LLC | 3 | $1.7M | $575K | 100.0% |
505 Washington loans (5.1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Kitsap County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Kitsap County CSV, all 25 lenders
What Kitsap County's table can't show you: fit. Short-term financing is exempt from HMDA, so Kitsap County's fix-and-flip and bridge lenders barely appear among its 95 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 Kitsap County, Washington deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Kitsap County, Washington 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 — Kitsap County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 95 lenders and 330 loans: 2025 HMDA loan-level data rolled up to Kitsap County.
- Kitsap County investor-lender dataset (CSV) — All 25 lenders in the Kitsap County, Washington table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Kitsap 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 Bremerton-Silverdale-Port Orchard, WA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Kitsap 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.