DSCR Loans in Miami County, Ohio
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, 54 lenders made 146 investment-property loans in Miami County, 0.7% of Ohio's total. Dominick Prevete arranges DSCR loans across Miami County, Ohio, 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 $240,000.
Miami County investor market at a glance
| Statistic | Miami County | Ohio | County rank |
|---|---|---|---|
| Investor loans | 146 | 21,703 | 22nd of 30 |
| Reporting lenders | 54 | 551 | 22nd of 30 |
| Loan volume | $28.3M | $3.64B | 19th of 30 |
| Average loan | $194K | $168K | 9th of 30 |
| Median loan | $145K | $135K | 11th of 30 |
| Purchases | 62.3% | 59.1% | 15th of 30 |
| Cash-out refinances | 15.1% | 20.0% | 24th of 30 |
| 2–4 unit properties | 26.7% | 23.7% | 10th of 30 |
| Top five lenders' share | 40.4% | 28.8% | 12th of 30 |
| Reported business-purpose | 74.0% | 76.4% | 14th of 30 |
Miami County: closed-end loans on 1–4 unit investment properties. Miami County's rank is highest first, among Ohio's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Miami County's investor loans.
What stands out in Miami County
15.1% of Miami County's investor loans were cash-out refinances, the 7th-lowest share of Ohio's 30 counties with published data (statewide: 20.0%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
Miami County's 146 investor loans ranked 22nd of Ohio's 30 counties with published data.
Does a DSCR loan pencil in Miami County?
At HUD's fair market rent of $1,623 for a 3-bedroom in Miami County, Ohio, a rental covers its full DSCR payment up to a purchase price of about $240,000, with 20% down at the 7.25% starting rate (November 2026). Miami County's median home value is $229,100; at that price the payment is $1,534 a month, so the property would need $1,550 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) | $1,248 / $1,623 / $1,774 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $229,100 |
| Median property taxes and effective rate | $2,254 (0.98% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,534 |
| Rent needed to cover that payment | $1,550 |
| Coverage of a 3-bedroom at fair market rent | 1.06 |
| Highest price a 3-bedroom at fair market rent covers | about $240,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $370,000 |
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 Miami County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Miami County?
The most active investment-property lenders in Miami County in 2025 HMDA data were Kiavi Funding, Inc.; Union Savings Bank; and Greenville Federal, out of 54 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 one that reported in Miami County, and matches each file to the one most likely to fund it.
Miami County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 146 loans and $28.3M from 54 lenders. Kiavi Funding, Inc. led Miami County with 19 loans, 13.0% of the county's total, and the average Miami County loan of $194K compares with $168K across Ohio.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 19 | $4.0M | $213K | 47.4% |
| Union Savings Bank | 12 | $1.8M | $153K | 58.3% |
| Greenville Federal | 11 | $0.7M | $66K | 90.9% |
| Minster Bank | 9 | $1.4M | $159K | 88.9% |
| Greenville National Bank | 8 | $1.3M | $158K | 62.5% |
| CV3 FINANCIAL SERVICES, LLC | 6 | $1.8M | $297K | 16.7% |
| GUARANTEED RATE, INC. | 6 | $0.6M | $107K | 50.0% |
| WRIGHT-PATT CREDIT UNION, INC. | 4 | $0.4M | $110K | 100.0% |
| Monroe Federal Savings and Loan Association | 3 | $1.8M | $598K | 100.0% |
| The Huntington National Bank | 3 | $0.8M | $255K | 100.0% |
| THE LOAN STORE, INC. | 3 | $0.5M | $162K | 66.7% |
| First Bank Richmond | 3 | $0.5M | $158K | 66.7% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 3 | $0.4M | $138K | 100.0% |
| 21st Mortgage Corporation | 3 | $0.3M | $92K | 100.0% |
| Loan Funder LLC | 2 | $0.9M | $455K | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | $0.8M | $400K | 50.0% |
| The Park National Bank | 2 | $0.8M | $390K | 100.0% |
| Hometown Equity Mortgage, LLC | 2 | $0.6M | $275K | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | $0.5M | $245K | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | $0.4M | $205K | 100.0% |
| ABL RPC Residential Credit Acquisition LLC | 2 | $0.3M | $160K | 0.0% |
| JPMorgan Chase Bank, National Association | 2 | $0.3M | $150K | 100.0% |
| Loandepot.Com, LLC | 2 | $0.3M | $145K | 100.0% |
| Day Air Credit Union, Inc. | 2 | $0.3M | $135K | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | $0.3M | $130K | 0.0% |
1,125 Ohio loans (5.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Miami County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Miami County CSV, all 25 lenders
What Miami County's table can't show you: fit. Short-term financing is exempt from HMDA, so Miami County's fix-and-flip and bridge lenders barely appear among its 54 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 →National Loan Provider is an independent broker and maintains wholesale relationships with some listed lenders. Appearing in this table is not an endorsement or a recommendation.
Run the coverage test on your Miami County, Ohio deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Miami County, Ohio 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 — Miami County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 54 lenders and 146 loans: 2025 HMDA loan-level data rolled up to Miami County.
- Miami County investor-lender dataset (CSV) — All 25 lenders in the Miami County, Ohio table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Miami 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 Dayton-Kettering-Beavercreek, OH MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Miami 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.