DSCR Loans in Mohave County, Arizona
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 128 lenders made 571 investment-property loans in Mohave County, 5.0% of Arizona's total. Dominick Prevete arranges DSCR loans across Mohave County, Arizona, 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 $270,000.
Mohave County investor market at a glance
| Statistic | Mohave County | Arizona | County rank |
|---|---|---|---|
| Investor loans | 571 | 11,445 | 4th of 9 |
| Reporting lenders | 128 | 505 | 5th of 9 |
| Loan volume | $164.2M | $4.44B | 6th of 9 |
| Average loan | $288K | $388K | 5th of 9 |
| Median loan | $215K | $295K | 7th of 9 |
| Purchases | 68.5% | 57.8% | 1st of 9 |
| Cash-out refinances | 17.3% | 21.1% | 8th of 9 |
| 2–4 unit properties | 7.4% | 7.1% | 3rd of 9 |
| Top five lenders' share | 32.0% | 24.8% | 3rd of 9 |
| Reported business-purpose | 68.0% | 68.0% | 5th of 9 |
Mohave County: closed-end loans on 1–4 unit investment properties. Mohave County's rank is highest first, among Arizona's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Mohave County's investor loans.
What stands out in Mohave County
68.5% of Mohave County's investor loans were purchases, the highest share of Arizona's 9 counties with published data (statewide: 57.8%).
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.
17.3% of Mohave County's investor loans were cash-out refinances, the 2nd-lowest share of Arizona's 9 counties with published data (statewide: 21.1%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
Does a DSCR loan pencil in Mohave County?
At HUD's fair market rent of $1,708 for a 3-bedroom in Mohave County, Arizona, a rental covers its full DSCR payment up to a purchase price of about $270,000, with 20% down at the 7.25% starting rate (November 2026). Mohave County's median home value is $281,000; at that price the payment is $1,754 a month, so the property would need $1,775 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) | $1,229 / $1,708 / $1,881 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $281,000 |
| Median property taxes and effective rate | $1,238 (0.44% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,754 |
| Rent needed to cover that payment | $1,775 |
| Coverage of a 3-bedroom at fair market rent | 0.97 |
| Highest price a 3-bedroom at fair market rent covers | about $270,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $390,000 |
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 Mohave County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Mohave County?
The most active investment-property lenders in Mohave County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; AMERICAN FINANCIAL NETWORK, INC.; and HOMEXPRESS MORTGAGE CORP., out of 128 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 Mohave County, and matches each file to the one most likely to fund it.
Mohave County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 571 loans and $164.2M from 128 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Mohave County with 67 loans, 11.7% of the county's total, and the average Mohave County loan of $288K compares with $388K across Arizona.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 67 | $20.9M | $312K | 62.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 34 | $13.2M | $387K | 88.2% |
| HOMEXPRESS MORTGAGE CORP. | 30 | $7.2M | $239K | 60.0% |
| Glacier Bank | 27 | $5.2M | $191K | 96.3% |
| Kiavi Funding, Inc. | 25 | $3.9M | $155K | 68.0% |
| Rocket Mortgage, LLC | 24 | $6.2M | $257K | 62.5% |
| THE LOAN STORE, INC. | 23 | $7.9M | $342K | 87.0% |
| A&D Mortgage LLC | 19 | $3.9M | $204K | 94.7% |
| GENEVA FINANCIAL, LLC | 17 | $3.3M | $196K | 100.0% |
| OCMBC, INC. | 15 | $5.2M | $348K | 53.3% |
| Broker Solutions, Inc. | 12 | $3.1M | $256K | 91.7% |
| JPMorgan Chase Bank, National Association | 11 | $2.5M | $224K | 54.5% |
| PENNYMAC LOAN SERVICES, LLC | 10 | $3.4M | $340K | 70.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 10 | $3.1M | $309K | 80.0% |
| Loandepot.Com, LLC | 10 | $2.5M | $246K | 70.0% |
| GUARANTEED RATE, INC. | 8 | $2.6M | $331K | 37.5% |
| NEWREZ LLC | 7 | $1.8M | $258K | 57.1% |
| KIND LENDING, LLC | 7 | $1.5M | $212K | 42.9% |
| Flagstar Bank, N.A. | 6 | $1.6M | $262K | 83.3% |
| Arizona Financial Credit Union | 6 | $1.4M | $230K | 50.0% |
| Citadel Servicing Corporation | 6 | $1.4M | $225K | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 6 | $1.2M | $198K | 50.0% |
| JMJ FINANCIAL GROUP | 5 | $1.3M | $259K | 80.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 5 | $1.2M | $245K | 100.0% |
| INSPIRE HOME LOANS INC. | 5 | $1.1M | $229K | 100.0% |
83 Arizona loans (0.7%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Mohave County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Mohave County CSV, all 25 lenders
What Mohave County's table can't show you: fit. Short-term financing is exempt from HMDA, so Mohave County's fix-and-flip and bridge lenders barely appear among its 128 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 Mohave County, Arizona deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Mohave County, Arizona 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 — Mohave County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 128 lenders and 571 loans: 2025 HMDA loan-level data rolled up to Mohave County.
- Mohave County investor-lender dataset (CSV) — All 25 lenders in the Mohave County, Arizona table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Mohave 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 Lake Havasu City-Kingman, AZ MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Mohave 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.