DSCR Loans in Montgomery 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, 174 lenders made 1,051 investment-property loans in Montgomery County, 4.8% of Ohio's total. Dominick Prevete arranges DSCR loans across Montgomery 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 $220,000.
Montgomery County investor market at a glance
| Statistic | Montgomery County | Ohio | County rank |
|---|---|---|---|
| Investor loans | 1,051 | 21,703 | 5th of 30 |
| Reporting lenders | 174 | 551 | 4th of 30 |
| Loan volume | $158.6M | $3.64B | 4th of 30 |
| Average loan | $151K | $168K | 17th of 30 |
| Median loan | $125K | $135K | 16th of 30 |
| Purchases | 58.4% | 59.1% | 22nd of 30 |
| Cash-out refinances | 24.0% | 20.0% | 7th of 30 |
| 2–4 unit properties | 26.8% | 23.7% | 9th of 30 |
| Top five lenders' share | 30.4% | 28.8% | 28th of 30 |
| Reported business-purpose | 76.3% | 76.4% | 9th of 30 |
Montgomery County: closed-end loans on 1–4 unit investment properties. Montgomery County's rank is highest first, among Ohio's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Montgomery County's investor loans.
What stands out in Montgomery County
The five most active lenders wrote 30.4% of Montgomery County's investor loans, the 3rd-lowest share of Ohio's 30 counties with published data (statewide: 28.8%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
24.0% of Montgomery County's investor loans were cash-out refinances, the 7th-highest share of Ohio's 30 counties with published data (statewide: 20.0%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
Does a DSCR loan pencil in Montgomery County?
At HUD's fair market rent of $1,623 for a 3-bedroom in Montgomery County, Ohio, a rental covers its full DSCR payment up to a purchase price of about $220,000, with 20% down at the 7.25% starting rate (November 2026). Montgomery County's median home value is $180,900; at that price the payment is $1,323 a month, so the property would need $1,325 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) | $180,900 |
| Median property taxes and effective rate | $3,127 (1.73% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,323 |
| Rent needed to cover that payment | $1,325 |
| Coverage of a 3-bedroom at fair market rent | 1.23 |
| Highest price a 3-bedroom at fair market rent covers | about $220,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $340,000 |
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 Montgomery County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Montgomery County?
The most active investment-property lenders in Montgomery County in 2025 HMDA data were Kiavi Funding, Inc.; BPL MORTGAGE TRUST, LLC; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 174 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 Montgomery County, and matches each file to the one most likely to fund it.
Montgomery County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,051 loans and $158.6M from 174 lenders. Kiavi Funding, Inc. led Montgomery County with 81 loans, 7.7% of the county's total, and the average Montgomery County loan of $151K compares with $168K across Ohio.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 81 | $12.5M | $154K | 51.9% |
| BPL MORTGAGE TRUST, LLC | 68 | $9.5M | $140K | 35.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 66 | $6.7M | $101K | 48.5% |
| Union Savings Bank | 57 | $8.3M | $145K | 84.2% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 48 | $9.5M | $198K | 31.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 40 | $5.7M | $143K | 80.0% |
| The Huntington National Bank | 38 | $5.6M | $147K | 65.8% |
| DOMINION FINANCIAL SERVICES, LLC | 26 | $4.5M | $172K | 19.2% |
| WRIGHT-PATT CREDIT UNION, INC. | 25 | $3.0M | $121K | 60.0% |
| Rocket Mortgage, LLC | 24 | $3.5M | $145K | 50.0% |
| Day Air Credit Union, Inc. | 24 | $3.2M | $135K | 54.2% |
| Loan Funder LLC | 20 | $2.7M | $134K | 55.0% |
| CV3 FINANCIAL SERVICES, LLC | 19 | $2.4M | $128K | 68.4% |
| GUARANTEED RATE, INC. | 17 | $2.0M | $118K | 82.4% |
| Cornerstone First Mortgage, Inc | 16 | $2.2M | $140K | 75.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 14 | $1.8M | $126K | 7.1% |
| Fifth Third Bank, National Association | 13 | $2.0M | $150K | 100.0% |
| AMWEST FUNDING CORP. | 12 | $1.8M | $148K | 50.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 11 | $1.3M | $118K | 81.8% |
| LIMA ONE CAPITAL, LLC | 10 | $2.3M | $225K | 40.0% |
| DEEPHAVEN MORTGAGE LLC | 10 | $1.5M | $150K | 50.0% |
| Commerce Home Mortgage, Inc. | 10 | $1.4M | $137K | 60.0% |
| VICTORY MORTGAGE, L.L.C. | 9 | $1.9M | $211K | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 9 | $1.5M | $166K | 33.3% |
| U.S. Bank National Association | 9 | $1.3M | $149K | 66.7% |
1,125 Ohio loans (5.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Montgomery County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Montgomery County CSV, all 25 lenders
What Montgomery County's table can't show you: fit. Short-term financing is exempt from HMDA, so Montgomery County's fix-and-flip and bridge lenders barely appear among its 174 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 Montgomery County, Ohio deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Montgomery 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 — Montgomery County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 174 lenders and 1,051 loans: 2025 HMDA loan-level data rolled up to Montgomery County.
- Montgomery County investor-lender dataset (CSV) — All 25 lenders in the Montgomery County, Ohio table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Montgomery 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 — Montgomery 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.