DSCR Loans in Mono County, California
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, 46 lenders made 142 investment-property loans in Mono County, 0.3% of California's total. Dominick Prevete arranges DSCR loans across Mono County, California, 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 $365,000.
Mono County investor market at a glance
| Statistic | Mono County | California | County rank |
|---|---|---|---|
| Investor loans | 142 | 54,410 | 36th of 39 |
| Reporting lenders | 46 | 630 | 38th of 39 |
| Loan volume | $80.8M | $37.12B | 31st of 39 |
| Average loan | $569K | $682K | 17th of 39 |
| Median loan | $495K | $485K | 16th of 39 |
| Purchases | 60.6% | 51.1% | 3rd of 39 |
| Cash-out refinances | 10.6% | 25.6% | 39th of 39 |
| 2–4 unit properties | 3.5% | 16.6% | 38th of 39 |
| Top five lenders' share | 65.5% | 23.2% | 1st of 39 |
| Reported business-purpose | 87.3% | 71.2% | 1st of 39 |
Mono County: closed-end loans on 1–4 unit investment properties. Mono County's rank is highest first, among California's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Mono County's investor loans.
What stands out in Mono County
By share of investor loans reported as business-purpose, Mono County ranks highest of California's 39 counties with published data (statewide: 71.2%).
87.3% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
10.6% of Mono County's investor loans were cash-out refinances, the lowest share of California's 39 counties with published data (statewide: 25.6%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
The five most active lenders wrote 65.5% of Mono County's investor loans, the highest share of California's 39 counties with published data (statewide: 23.2%).
Five lenders write 65.5% of the loans here, so comparing written term sheets matters more.
Does a DSCR loan pencil in Mono County?
At HUD's fair market rent of $2,374 for a 3-bedroom in Mono County, California, a rental covers its full DSCR payment up to a purchase price of about $365,000, with 20% down at the 7.25% starting rate (November 2026). Mono County's median home value is $639,400; at that price the payment is $4,104 a month, so the property would need $4,125 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) | $1,927 / $2,374 / $3,185 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $639,400 |
| Median property taxes and effective rate | $4,177 (0.65% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $4,104 |
| Rent needed to cover that payment | $4,125 |
| Coverage of a 3-bedroom at fair market rent | 0.58 |
| Highest price a 3-bedroom at fair market rent covers | about $365,000 |
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 Mono County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Mono County?
The most active investment-property lenders in Mono County in 2025 HMDA data were CROSSCOUNTRY MORTGAGE, INC.; UNITED SHORE FINANCIAL SERVICES, LLC; and THE LOAN STORE, INC., out of 46 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.
Mono County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 142 loans and $80.8M from 46 lenders. CROSSCOUNTRY MORTGAGE, INC. led Mono County with 62 loans, 43.7% of the county's total, and the average Mono County loan of $569K compares with $682K across California.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| CROSSCOUNTRY MORTGAGE, INC. | 62 | $36.4M | $587K | 61.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 10 | $4.6M | $456K | 60.0% |
| THE LOAN STORE, INC. | 9 | $4.2M | $472K | 88.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 9 | $3.8M | $425K | 100.0% |
| Charles Schwab Bank, SSB | 3 | $3.9M | $1295K | 66.7% |
| HOMEXPRESS MORTGAGE CORP. | 3 | $1.2M | $395K | 33.3% |
| PFN Lending Group, Inc. | 2 | $1.6M | $805K | 50.0% |
| RESICENTRAL, LLC | 2 | $1.1M | $555K | 50.0% |
| PENNYMAC LOAN SERVICES, LLC | 2 | $1.0M | $520K | 100.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | $1.0M | $505K | 50.0% |
| Rocket Mortgage, LLC | 2 | $1.0M | $480K | 100.0% |
| VISTA POINT MORTGAGE, LLC | 2 | $0.7M | $360K | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 1 | $2.0M | $1995K | 100.0% |
| FlexPoint, Inc. | 1 | $1.4M | $1445K | 100.0% |
| Emporium TPO LLC | 1 | $1.4M | $1435K | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | $1.3M | $1255K | 0.0% |
| CMG MORTGAGE, INC. | 1 | $1.0M | $1005K | 100.0% |
| GUARANTEED RATE, INC. | 1 | $0.9M | $925K | 0.0% |
| SUMMIT FUNDING, INC. | 1 | $0.8M | $795K | 0.0% |
| Citibank, National Association | 1 | $0.8M | $775K | 100.0% |
| Wells Fargo Bank, National Association | 1 | $0.8M | $765K | 0.0% |
| Loandepot.Com, LLC | 1 | $0.7M | $685K | 0.0% |
| JPMorgan Chase Bank, National Association | 1 | $0.7M | $675K | 100.0% |
| General Mortgage Capital Corporation | 1 | $0.7M | $665K | 0.0% |
| NEWREZ LLC | 1 | $0.6M | $555K | 100.0% |
1,726 California loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Mono County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Mono County CSV, all 25 lenders
What Mono County's table can't show you: fit. Short-term financing is exempt from HMDA, so Mono County's fix-and-flip and bridge lenders barely appear among its 46 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 →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 Mono County, California deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Mono County, California 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 — Mono County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 46 lenders and 142 loans: 2025 HMDA loan-level data rolled up to Mono County.
- Mono County investor-lender dataset (CSV) — All 25 lenders in the Mono County, California table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Mono 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 Mono County, CA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Mono 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.