DSCR Loans in Lafourche Parish, Louisiana
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 25 lenders made 111 investment-property loans in Lafourche Parish, 1.3% of Louisiana's total. Dominick Prevete arranges DSCR loans across Lafourche Parish, Louisiana, 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 $210,000.
Lafourche Parish investor market at a glance
| Statistic | Lafourche Parish | Louisiana | County rank |
|---|---|---|---|
| Investor loans | 111 | 8,254 | 16th of 17 |
| Reporting lenders | 25 | 337 | 17th of 17 |
| Loan volume | $12.6M | $1.46B | 16th of 17 |
| Average loan | $113K | $177K | 16th of 17 |
| Median loan | $105K | $125K | 11th of 17 |
| Purchases | 44.1% | 47.7% | 13th of 17 |
| Cash-out refinances | 6.3% | 13.1% | 15th of 17 |
| 2–4 unit properties | 22.5% | 23.6% | 9th of 17 |
| Top five lenders' share | 71.2% | 16.0% | 4th of 17 |
| Reported business-purpose | 20.7% | 46.3% | 14th of 17 |
Lafourche Parish: closed-end loans on 1–4 unit investment properties. Lafourche Parish's rank is highest first, among Louisiana's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Lafourche Parish's investor loans.
What stands out in Lafourche Parish
The average investor loan in Lafourche Parish was $113K, the 2nd-lowest average of Louisiana's 17 counties with published data (statewide: $177K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
6.3% of Lafourche Parish's investor loans were cash-out refinances, the 3rd-lowest share of Louisiana's 17 counties with published data (statewide: 13.1%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
20.7% of Lafourche Parish's investor loans were reported as business-purpose, the 4th-lowest share of Louisiana's 17 counties with published data (statewide: 46.3%).
Fewer investor loans here were reported as business-purpose than in most of Louisiana. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
Does a DSCR loan pencil in Lafourche Parish?
At HUD's fair market rent of $1,335 for a 3-bedroom in Lafourche Parish, Louisiana, a rental covers its full DSCR payment up to a purchase price of about $210,000, with 20% down at the 7.25% starting rate (November 2026). Lafourche Parish's median home value is $193,900; at that price the payment is $1,225 a month, so the property would need $1,250 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) | $1,098 / $1,335 / $1,443 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $193,900 |
| Median property taxes and effective rate | $1,038 (0.54% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,225 |
| Rent needed to cover that payment | $1,250 |
| Coverage of a 3-bedroom at fair market rent | 1.09 |
| Highest price a 3-bedroom at fair market rent covers | about $210,000 |
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 Lafourche Parish's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Lafourche Parish?
The most active investment-property lenders in Lafourche Parish in 2025 HMDA data were Synergy Bank, First American Bank and Trust and United Community Bank, out of 25 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.
Lafourche Parish's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 111 loans and $12.6M from 25 lenders. Synergy Bank led Lafourche Parish with 39 loans, 35.1% of the county's total, and the average Lafourche Parish loan of $113K compares with $177K across Louisiana.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Synergy Bank | 39 | $3.7M | $94K | 30.8% |
| First American Bank and Trust | 14 | $2.1M | $151K | 42.9% |
| United Community Bank | 12 | $1.5M | $122K | 41.7% |
| b1BANK | 8 | $0.8M | $100K | 50.0% |
| South Louisiana Bank | 6 | $0.8M | $142K | 50.0% |
| United Wholesale Mortgage | 4 | $0.5M | $118K | 50.0% |
| EUSTIS MORTGAGE CORPORATION | 3 | $0.4M | $132K | 33.3% |
| GMFS LLC | 3 | $0.3M | $112K | 33.3% |
| Assurance Financial Group, L.L.C. | 3 | $0.2M | $72K | 100.0% |
| BankPlus | 2 | $0.6M | $315K | 0.0% |
| HANCOCK WHITNEY BANK | 2 | $0.1M | $70K | 100.0% |
| 21st Mortgage Corporation | 2 | $0.1M | $40K | 100.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | $0.2M | $165K | 100.0% |
| SOUTHWEST FUNDING, LP | 1 | $0.1M | $145K | 100.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | $0.1M | $145K | 100.0% |
| Citizens Progressive Bank | 1 | $0.1M | $125K | 100.0% |
| Empeople Credit Union | 1 | $0.1M | $115K | 100.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | $0.1M | $105K | 0.0% |
| Loandepot.Com, LLC | 1 | $0.1M | $105K | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | $0.1M | $105K | 0.0% |
| THE MORTGAGE FIRM, INC. | 1 | $0.1M | $95K | 100.0% |
| Liberty Bank and Trust Company | 1 | $0.1M | $95K | 100.0% |
| AMERICAN FINANCING CORPORATION | 1 | $0.1M | $85K | 0.0% |
| Equity Prime Mortgage LLC | 1 | $0.1M | $55K | 100.0% |
| South Lafourche Bank & Trust Company | 1 | $0.1M | $55K | 0.0% |
136 Louisiana loans (1.6%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Lafourche Parish: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Lafourche Parish CSV, all 25 lenders
What Lafourche Parish's table can't show you: fit. Short-term financing is exempt from HMDA, so Lafourche Parish's fix-and-flip and bridge lenders barely appear among its 25 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 Lafourche Parish with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Lafourche Parish |
|---|---|---|---|
| Terrebonne Parish, LA | 176 | 26 | Borders Lafourche Parish |
| Jefferson Parish, LA | 651 | 113 | Borders Lafourche Parish |
| Orleans Parish, LA | 959 | 149 | About 50 miles away |
| Ascension Parish, LA | 142 | 62 | About 60 miles away |
Run the coverage test on your Lafourche Parish, Louisiana deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Lafourche Parish, Louisiana 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 — Lafourche Parish's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 25 lenders and 111 loans: 2025 HMDA loan-level data rolled up to Lafourche Parish.
- Lafourche Parish investor-lender dataset (CSV) — All 25 lenders in the Lafourche Parish, Louisiana table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Lafourche Parish'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 Houma-Bayou Cane-Thibodaux, LA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Lafourche Parish'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.