DSCR Loans in Lincoln Parish, Louisiana
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 32 lenders made 161 investment-property loans in Lincoln Parish, 2.0% of Louisiana's total. Dominick Prevete arranges DSCR loans across Lincoln 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 $195,000.
Lincoln Parish investor market at a glance
| Statistic | Lincoln Parish | Louisiana | County rank |
|---|---|---|---|
| Investor loans | 161 | 8,254 | 12th of 17 |
| Reporting lenders | 32 | 337 | 14th of 17 |
| Loan volume | $24.1M | $1.46B | 13th of 17 |
| Average loan | $150K | $177K | 11th of 17 |
| Median loan | $125K | $125K | 9th of 17 |
| Purchases | 44.7% | 47.7% | 12th of 17 |
| Cash-out refinances | 0.6% | 13.1% | 17th of 17 |
| 2–4 unit properties | 26.7% | 23.6% | 4th of 17 |
| Top five lenders' share | 60.9% | 16.0% | 6th of 17 |
| Reported business-purpose | 42.2% | 46.3% | 11th of 17 |
Lincoln Parish: closed-end loans on 1–4 unit investment properties. Lincoln Parish's rank is highest first, among Louisiana's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Lincoln Parish's investor loans.
What stands out in Lincoln Parish
0.6% of Lincoln Parish's investor loans were cash-out refinances, the 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.
26.7% of Lincoln Parish's investor loans financed a 2–4 unit property, the 4th-highest share of Louisiana's 17 counties with published data (statewide: 23.6%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
Does a DSCR loan pencil in Lincoln Parish?
At HUD's fair market rent of $1,235 for a 3-bedroom in Lincoln Parish, Louisiana, a rental covers its full DSCR payment up to a purchase price of about $195,000, with 20% down at the 7.25% starting rate (November 2026). Lincoln Parish's median home value is $210,100; at that price the payment is $1,315 a month, so the property would need $1,325 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) | $892 / $1,235 / $1,440 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $210,100 |
| Median property taxes and effective rate | $971 (0.46% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,315 |
| Rent needed to cover that payment | $1,325 |
| Coverage of a 3-bedroom at fair market rent | 0.94 |
| Highest price a 3-bedroom at fair market rent covers | about $195,000 |
| Highest price two 2-bedroom units at fair market rent cover | 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 Parish's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Lincoln Parish?
The most active investment-property lenders in Lincoln Parish in 2025 HMDA data were Origin Bank, Louisiana National Bank and Century Next Bank, out of 32 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.
Lincoln Parish's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 161 loans and $24.1M from 32 lenders. Origin Bank led Lincoln Parish with 42 loans, 26.1% of the county's total, and the average Lincoln Parish loan of $150K compares with $177K across Louisiana.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Origin Bank | 42 | $6.2M | $148K | 31.0% |
| Louisiana National Bank | 21 | $2.5M | $121K | 23.8% |
| Century Next Bank | 15 | $2.1M | $140K | 46.7% |
| Gibsland Bank & Trust Company | 13 | $2.0M | $150K | 38.5% |
| b1BANK | 7 | $2.3M | $326K | 57.1% |
| WINNSBORO STATE BANK & TRUST COMPANY | 7 | $1.2M | $172K | 57.1% |
| Exchange Bank and Trust Company | 7 | $1.1M | $155K | 71.4% |
| Red River Bank | 7 | $0.6M | $84K | 28.6% |
| Guaranty Bank & Trust Company of Delhi, Louisiana | 7 | $0.6M | $79K | 0.0% |
| HOMELAND BANCSHARES, INC. | 4 | $0.5M | $128K | 75.0% |
| Assurance Financial Group, L.L.C. | 3 | $0.4M | $125K | 100.0% |
| Citizens Progressive Bank | 2 | $0.4M | $200K | 100.0% |
| DSLD MORTGAGE, LLC | 2 | $0.4M | $195K | 100.0% |
| BANK OF COUSHATTA | 2 | $0.4M | $190K | 50.0% |
| Commercial Capital Bank | 2 | $0.3M | $135K | 50.0% |
| United Wholesale Mortgage | 2 | $0.2M | $110K | 100.0% |
| JPMorgan Chase Bank, National Association | 2 | $0.2M | $85K | 50.0% |
| Cadence Bank | 2 | $0.1M | $75K | 50.0% |
| HANCOCK WHITNEY BANK | 1 | $0.6M | $605K | 100.0% |
| BOM Bank | 1 | $0.3M | $335K | 0.0% |
| THE LOAN STORE, INC. | 1 | $0.3M | $325K | 0.0% |
| Citizens National Bank, N.A. | 1 | $0.2M | $225K | 100.0% |
| The Evangeline Bank & Trust Company | 1 | $0.2M | $195K | 100.0% |
| Fairway Independent Mortgage Corporation | 1 | $0.2M | $185K | 100.0% |
| MOVEMENT MORTGAGE, LLC | 1 | $0.1M | $145K | 100.0% |
136 Louisiana loans (1.6%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Lincoln Parish: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Lincoln Parish CSV, all 25 lenders
What Lincoln Parish's table can't show you: fit. Short-term financing is exempt from HMDA, so Lincoln Parish's fix-and-flip and bridge lenders barely appear among its 32 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 Lincoln Parish with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Lincoln Parish |
|---|---|---|---|
| Ouachita Parish, LA | 517 | 47 | Borders Lincoln Parish |
| Bossier Parish, LA | 219 | 48 | About 55 miles away |
| Caddo Parish, LA | 464 | 77 | About 70 miles away |
| Miller County, AR | 105 | 25 | About 85 miles away |
Run the coverage test on your Lincoln Parish, Louisiana deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Lincoln 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 — Lincoln Parish's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 32 lenders and 161 loans: 2025 HMDA loan-level data rolled up to Lincoln Parish.
- Lincoln Parish investor-lender dataset (CSV) — All 25 lenders in the Lincoln Parish, Louisiana table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Lincoln 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 Lincoln Parish, LA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Lincoln 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.