DSCR Loans in Lincoln County, Oregon
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, 55 lenders made 106 investment-property loans in Lincoln County, 2.2% of Oregon's total. Dominick Prevete arranges DSCR loans across Lincoln County, Oregon, 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 $285,000.
Lincoln County investor market at a glance
| Statistic | Lincoln County | Oregon | County rank |
|---|---|---|---|
| Investor loans | 106 | 4,893 | 11th of 11 |
| Reporting lenders | 55 | 316 | 10th of 11 |
| Loan volume | $42.6M | $1.80B | 10th of 11 |
| Average loan | $402K | $368K | 3rd of 11 |
| Median loan | $335K | $325K | 5th of 11 |
| Purchases | 50.0% | 56.3% | 9th of 11 |
| Cash-out refinances | 29.2% | 23.2% | 4th of 11 |
| 2–4 unit properties | 17.9% | 19.1% | 8th of 11 |
| Top five lenders' share | 28.3% | 16.4% | 2nd of 11 |
| Reported business-purpose | 73.6% | 71.8% | 3rd of 11 |
Lincoln County: closed-end loans on 1–4 unit investment properties. Lincoln County's rank is highest first, among Oregon's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Lincoln County's investor loans.
What stands out in Lincoln County
50.0% of Lincoln County's investor loans were purchases, the 2nd-lowest share of Oregon's 11 counties with published data (statewide: 56.3%).
Refinances are a larger share here than in most of Oregon. A DSCR refinance qualifies on the property's current rent.
The five most active lenders wrote 28.3% of Lincoln County's investor loans, the 2nd-highest share of Oregon's 11 counties with published data (statewide: 16.4%).
Five lenders write 28.3% of the loans here, so comparing written term sheets matters more.
Does a DSCR loan pencil in Lincoln County?
At HUD's fair market rent of $1,892 for a 3-bedroom in Lincoln County, Oregon, a rental covers its full DSCR payment up to a purchase price of about $285,000, with 20% down at the 7.25% starting rate (November 2026). Lincoln County's median home value is $410,800; at that price the payment is $2,690 a month, so the property would need $2,700 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) | $1,400 / $1,892 / $2,340 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $410,800 |
| Median property taxes and effective rate | $3,322 (0.81% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,690 |
| Rent needed to cover that payment | $2,700 |
| Coverage of a 3-bedroom at fair market rent | 0.70 |
| Highest price a 3-bedroom at fair market rent covers | about $285,000 |
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 Lincoln County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Lincoln County?
The most active investment-property lenders in Lincoln County in 2025 HMDA data were CROSSCOUNTRY MORTGAGE, INC.; HOMEXPRESS MORTGAGE CORP.; and United Wholesale Mortgage, out of 55 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 Lincoln County, and matches each file to the one most likely to fund it.
Lincoln County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 106 loans and $42.6M from 55 lenders. CROSSCOUNTRY MORTGAGE, INC. led Lincoln County with 10 loans, 9.4% of the county's total, and the average Lincoln County loan of $402K compares with $368K across Oregon.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| CROSSCOUNTRY MORTGAGE, INC. | 10 | $3.4M | $341K | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 7 | $3.7M | $528K | 0.0% |
| United Wholesale Mortgage | 5 | $2.1M | $419K | 60.0% |
| NEWREZ LLC | 4 | $1.8M | $460K | 75.0% |
| UNION HOME MORTGAGE CORP. | 4 | $1.3M | $325K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 4 | $1.3M | $313K | 50.0% |
| Citadel Servicing Corporation | 4 | $1.2M | $300K | 0.0% |
| MOVEMENT MORTGAGE, LLC | 4 | $1.2M | $295K | 75.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | $1.0M | $332K | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | $0.9M | $315K | 33.3% |
| A&D Mortgage LLC | 3 | $0.6M | $212K | 33.3% |
| GUARANTEED RATE, INC. | 2 | $1.2M | $600K | 50.0% |
| Sunflower Bank, National Association | 2 | $1.2M | $590K | 0.0% |
| THE LOAN STORE, INC. | 2 | $1.1M | $575K | 100.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | $1.1M | $555K | 50.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | $0.8M | $395K | 0.0% |
| Fairway Independent Mortgage Corporation | 2 | $0.8M | $380K | 100.0% |
| ONPOINT COMMUNITY CREDIT UNION | 2 | $0.8M | $375K | 50.0% |
| Rocket Mortgage, LLC | 2 | $0.6M | $305K | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | $0.6M | $285K | 50.0% |
| Banner Bank | 2 | $0.6M | $285K | 100.0% |
| Synergy One Lending, Inc. | 2 | $0.5M | $260K | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 1 | $1.5M | $1495K | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 1 | $0.8M | $795K | 0.0% |
| SUMMIT MORTGAGE CORPORATION | 1 | $0.8M | $785K | 0.0% |
130 Oregon loans (2.7%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Lincoln County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Lincoln County CSV, all 25 lenders
What Lincoln County's table can't show you: fit. Short-term financing is exempt from HMDA, so Lincoln County's fix-and-flip and bridge lenders barely appear among its 55 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 →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 Lincoln County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Lincoln County |
|---|---|---|---|
| Benton County, OR | 114 | 52 | Borders Lincoln County |
| Lane County, OR | 387 | 109 | Borders Lincoln County |
| Yamhill County, OR | 123 | 65 | About 50 miles away |
| Marion County, OR | 355 | 102 | About 70 miles away |
Run the coverage test on your Lincoln County, Oregon deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Lincoln County, Oregon 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 — Lincoln County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 55 lenders and 106 loans: 2025 HMDA loan-level data rolled up to Lincoln County.
- Lincoln County investor-lender dataset (CSV) — All 25 lenders in the Lincoln County, Oregon table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Lincoln 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 Lincoln County, OR.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Lincoln 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.