DSCR Loans in Livingston Parish, Louisiana
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 56 lenders made 125 investment-property loans in Livingston Parish, 1.5% of Louisiana's total. Dominick Prevete arranges DSCR loans across Livingston 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 $230,000.
Livingston Parish investor market at a glance
| Statistic | Livingston Parish | Louisiana | County rank |
|---|---|---|---|
| Investor loans | 125 | 8,254 | 15th of 17 |
| Reporting lenders | 56 | 337 | 10th of 17 |
| Loan volume | $21.0M | $1.46B | 15th of 17 |
| Average loan | $168K | $177K | 10th of 17 |
| Median loan | $155K | $125K | 5th of 17 |
| Purchases | 59.2% | 47.7% | 1st of 17 |
| Cash-out refinances | 8.8% | 13.1% | 12th of 17 |
| 2–4 unit properties | 11.2% | 23.6% | 15th of 17 |
| Top five lenders' share | 29.6% | 16.0% | 14th of 17 |
| Reported business-purpose | 47.2% | 46.3% | 7th of 17 |
Livingston Parish: closed-end loans on 1–4 unit investment properties. Livingston Parish's rank is highest first, among Louisiana's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Livingston Parish's investor loans.
What stands out in Livingston Parish
59.2% of Livingston Parish's investor loans were purchases, the highest share of Louisiana's 17 counties with published data (statewide: 47.7%).
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.
11.2% of Livingston Parish's investor loans financed a 2–4 unit property, the 3rd-lowest share of Louisiana's 17 counties with published data (statewide: 23.6%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
The five most active lenders wrote 29.6% of Livingston Parish's investor loans, the 4th-lowest share of Louisiana's 17 counties with published data (statewide: 16.0%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
Does a DSCR loan pencil in Livingston Parish?
At HUD's fair market rent of $1,456 for a 3-bedroom in Livingston Parish, Louisiana, a rental covers its full DSCR payment up to a purchase price of about $230,000, with 20% down at the 7.25% starting rate (November 2026). Livingston Parish's median home value is $230,600; at that price the payment is $1,443 a month, so the property would need $1,450 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) | $1,149 / $1,456 / $1,842 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $230,600 |
| Median property taxes and effective rate | $1,066 (0.46% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,443 |
| Rent needed to cover that payment | $1,450 |
| Coverage of a 3-bedroom at fair market rent | 1.01 |
| Highest price a 3-bedroom at fair market rent covers | about $230,000 |
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 Livingston Parish's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Livingston Parish?
The most active investment-property lenders in Livingston Parish in 2025 HMDA data were Synergy Bank, BankPlus and Bank of Zachary, out of 56 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.
Livingston Parish's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 125 loans and $21.0M from 56 lenders. Synergy Bank led Livingston Parish with 12 loans, 9.6% of the county's total, and the average Livingston Parish loan of $168K compares with $177K across Louisiana.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Synergy Bank | 12 | $1.5M | $128K | 25.0% |
| BankPlus | 8 | $1.6M | $194K | 12.5% |
| Bank of Zachary | 8 | $1.1M | $135K | 75.0% |
| FIDELITY BANK | 5 | $0.6M | $119K | 100.0% |
| Synergy One Lending, Inc. | 4 | $1.0M | $248K | 75.0% |
| Landmark Bank | 4 | $0.8M | $205K | 50.0% |
| Renasant Bank | 4 | $0.7M | $173K | 0.0% |
| GMFS LLC | 3 | $0.6M | $208K | 66.7% |
| The Cottonport Bank | 3 | $0.6M | $198K | 66.7% |
| BPL MORTGAGE TRUST, LLC | 3 | $0.6M | $192K | 33.3% |
| NEWREZ LLC | 3 | $0.5M | $165K | 66.7% |
| Gulf Coast Bank and Trust Company | 3 | $0.4M | $142K | 100.0% |
| Citizens Bank & Trust Company | 3 | $0.4M | $135K | 100.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 3 | $0.2M | $78K | 100.0% |
| b1BANK | 2 | $0.6M | $320K | 0.0% |
| Cadence Bank | 2 | $0.5M | $255K | 50.0% |
| AMWEST FUNDING CORP. | 2 | $0.5M | $235K | 100.0% |
| Wolfe Financial, Inc | 2 | $0.4M | $210K | 50.0% |
| NexBank | 2 | $0.4M | $205K | 100.0% |
| JPMorgan Chase Bank, National Association | 2 | $0.4M | $200K | 50.0% |
| Hometown Equity Mortgage, LLC | 2 | $0.4M | $195K | 100.0% |
| AML FUNDING LLC | 2 | $0.4M | $185K | 0.0% |
| Assurance Financial Group, L.L.C. | 2 | $0.4M | $185K | 50.0% |
| CV3 Financial Services, LLC | 2 | $0.3M | $175K | 100.0% |
| THE LOAN STORE, INC. | 2 | $0.3M | $150K | 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 Livingston Parish: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Livingston Parish CSV, all 25 lenders
What Livingston Parish's table can't show you: fit. Short-term financing is exempt from HMDA, so Livingston Parish's fix-and-flip and bridge lenders barely appear among its 56 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 Livingston Parish with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Livingston Parish |
|---|---|---|---|
| East Baton Rouge Parish, LA | 999 | 150 | Borders Livingston Parish |
| Tangipahoa Parish, LA | 160 | 58 | Borders Livingston Parish |
| Ascension Parish, LA | 142 | 62 | Borders Livingston Parish |
| St. Tammany Parish, LA | 354 | 85 | About 45 miles away |
Run the coverage test on your Livingston Parish, Louisiana deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Livingston 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 — Livingston Parish's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 56 lenders and 125 loans: 2025 HMDA loan-level data rolled up to Livingston Parish.
- Livingston Parish investor-lender dataset (CSV) — All 25 lenders in the Livingston Parish, Louisiana table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Livingston 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 Baton Rouge, LA HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Livingston 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.