DSCR Loans in Kootenai County, Idaho
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 78 lenders made 287 investment-property loans in Kootenai County, 9.4% of Idaho's total. Dominick Prevete arranges DSCR loans across Kootenai County, Idaho, 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 $330,000.
Kootenai County investor market at a glance
| Statistic | Kootenai County | Idaho | County rank |
|---|---|---|---|
| Investor loans | 287 | 3,049 | 3rd of 6 |
| Reporting lenders | 78 | 259 | 3rd of 6 |
| Loan volume | $118.1M | $1.04B | 2nd of 6 |
| Average loan | $412K | $342K | 1st of 6 |
| Median loan | $345K | $295K | 1st of 6 |
| Purchases | 60.3% | 66.7% | 5th of 6 |
| Cash-out refinances | 18.5% | 16.5% | 2nd of 6 |
| 2–4 unit properties | 13.9% | 14.2% | 5th of 6 |
| Top five lenders' share | 34.5% | 24.2% | 4th of 6 |
| Reported business-purpose | 56.4% | 55.4% | 4th of 6 |
Kootenai County: closed-end loans on 1–4 unit investment properties. Kootenai County's rank is highest first, among Idaho's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Kootenai County's investor loans.
What stands out in Kootenai County
The average investor loan in Kootenai County was $412K, the highest average of Idaho's 6 counties with published data (statewide: $342K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
Kootenai County's 287 investor loans ranked 3rd of Idaho's 6 counties with published data.
Does a DSCR loan pencil in Kootenai County?
At HUD's fair market rent of $2,087 for a 3-bedroom in Kootenai County, Idaho, a rental covers its full DSCR payment up to a purchase price of about $330,000, with 20% down at the 7.25% starting rate (November 2026). Kootenai County's median home value is $518,700; at that price the payment is $3,236 a month, so the property would need $3,250 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) | $1,507 / $2,087 / $2,519 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $518,700 |
| Median property taxes and effective rate | $2,267 (0.44% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,236 |
| Rent needed to cover that payment | $3,250 |
| Coverage of a 3-bedroom at fair market rent | 0.64 |
| Highest price a 3-bedroom at fair market rent covers | about $330,000 |
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 Kootenai County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Kootenai County?
The most active investment-property lenders in Kootenai County in 2025 HMDA data were IDAHO CENTRAL CREDIT UNION, Willamette Valley Bank and United Wholesale Mortgage, out of 78 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 and matches each file to the one most likely to fund it.
Kootenai County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 287 loans and $118.1M from 78 lenders. IDAHO CENTRAL CREDIT UNION led Kootenai County with 40 loans, 13.9% of the county's total, and the average Kootenai County loan of $412K compares with $342K across Idaho.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| IDAHO CENTRAL CREDIT UNION | 40 | $12.9M | $323K | 45.0% |
| Willamette Valley Bank | 18 | $6.5M | $363K | 83.3% |
| United Wholesale Mortgage | 16 | $5.6M | $348K | 62.5% |
| Glacier Bank | 13 | $6.2M | $473K | 76.9% |
| THE LOAN STORE, INC. | 12 | $4.8M | $402K | 50.0% |
| GUILD MORTGAGE COMPANY | 11 | $3.3M | $296K | 54.5% |
| Paramount Residential Mortgage Group, Inc. | 9 | $2.6M | $288K | 55.6% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 7 | $2.9M | $421K | 100.0% |
| U.S. Bank National Association | 7 | $2.6M | $368K | 42.9% |
| LENNAR MORTGAGE, LLC | 7 | $1.8M | $258K | 100.0% |
| Loandepot.Com, LLC | 6 | $2.5M | $422K | 100.0% |
| CMG MORTGAGE, INC. | 5 | $2.3M | $455K | 100.0% |
| GUARANTEED RATE, INC. | 5 | $1.8M | $359K | 80.0% |
| Rocket Mortgage, LLC | 5 | $1.7M | $343K | 60.0% |
| Columbia Bank | 5 | $1.6M | $317K | 0.0% |
| PLANET HOME LENDING, LLC | 5 | $0.9M | $175K | 80.0% |
| Morgan Stanley Private Bank, National Association | 4 | $3.9M | $980K | 75.0% |
| PENNYMAC LOAN SERVICES, LLC | 4 | $2.2M | $558K | 100.0% |
| SPOKANE TEACHERS | 4 | $1.9M | $480K | 75.0% |
| NEWREZ LLC | 4 | $1.7M | $415K | 25.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | $1.6M | $410K | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 4 | $1.5M | $385K | 50.0% |
| Easy Street Capital, LLC | 4 | $1.4M | $360K | 0.0% |
| JPMorgan Chase Bank, National Association | 4 | $1.4M | $358K | 75.0% |
| Fairway Independent Mortgage Corporation | 4 | $1.3M | $333K | 100.0% |
7 Idaho loans (0.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Kootenai County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Kootenai County CSV, all 25 lenders
What Kootenai County's table can't show you: fit. Short-term financing is exempt from HMDA, so Kootenai County's fix-and-flip and bridge lenders barely appear among its 78 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 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 Kootenai County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Kootenai County |
|---|---|---|---|
| Spokane County, WA | 635 | 118 | Borders Kootenai County |
| Flathead County, MT | 191 | 71 | About 130 miles away |
| Grant County, WA | 131 | 49 | About 135 miles away |
| Missoula County, MT | 134 | 48 | About 140 miles away |
Run the coverage test on your Kootenai County, Idaho deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Kootenai County, Idaho 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 — Kootenai County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 78 lenders and 287 loans: 2025 HMDA loan-level data rolled up to Kootenai County.
- Kootenai County investor-lender dataset (CSV) — All 25 lenders in the Kootenai County, Idaho table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Kootenai 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 Coeur d'Alene, ID MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Kootenai 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.