DSCR Loans in Muskingum 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, 40 lenders made 173 investment-property loans in Muskingum County, 0.8% of Ohio's total. Dominick Prevete arranges DSCR loans across Muskingum 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 $200,000.
Muskingum County investor market at a glance
| Statistic | Muskingum County | Ohio | County rank |
|---|---|---|---|
| Investor loans | 173 | 21,703 | 21st of 30 |
| Reporting lenders | 40 | 551 | 27th of 30 |
| Loan volume | $27.8M | $3.64B | 20th of 30 |
| Average loan | $160K | $168K | 14th of 30 |
| Median loan | $115K | $135K | 19th of 30 |
| Purchases | 36.4% | 59.1% | 29th of 30 |
| Cash-out refinances | 31.8% | 20.0% | 2nd of 30 |
| 2–4 unit properties | 24.9% | 23.7% | 11th of 30 |
| Top five lenders' share | 53.8% | 28.8% | 5th of 30 |
| Reported business-purpose | 73.4% | 76.4% | 15th of 30 |
Muskingum County: closed-end loans on 1–4 unit investment properties. Muskingum County's rank is highest first, among Ohio's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Muskingum County's investor loans.
What stands out in Muskingum County
36.4% of Muskingum County's investor loans were purchases, the 2nd-lowest share of Ohio's 30 counties with published data (statewide: 59.1%).
Most investor loans here refinance property investors already own. A DSCR refinance qualifies on the property's current rent.
31.8% of Muskingum County's investor loans were cash-out refinances, the 2nd-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.
The five most active lenders wrote 53.8% of Muskingum County's investor loans, the 5th-highest share of Ohio's 30 counties with published data (statewide: 28.8%).
Five lenders write 53.8% of the loans here, so comparing written term sheets matters more.
Does a DSCR loan pencil in Muskingum County?
At HUD's fair market rent of $1,355 for a 3-bedroom in Muskingum County, Ohio, a rental covers its full DSCR payment up to a purchase price of about $200,000, with 20% down at the 7.25% starting rate (November 2026). Muskingum County's median home value is $182,200; at that price the payment is $1,208 a month, so the property would need $1,225 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) | $1,003 / $1,355 / $1,496 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $182,200 |
| Median property taxes and effective rate | $1,649 (0.91% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,208 |
| Rent needed to cover that payment | $1,225 |
| Coverage of a 3-bedroom at fair market rent | 1.12 |
| Highest price a 3-bedroom at fair market rent covers | about $200,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $300,000 |
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 Muskingum County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Muskingum County?
The most active investment-property lenders in Muskingum County in 2025 HMDA data were MM LENDING, LLC; The Community Bank; and The Park National Bank, out of 40 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 Muskingum County, and matches each file to the one most likely to fund it.
Muskingum County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 173 loans and $27.8M from 40 lenders. MM LENDING, LLC led Muskingum County with 33 loans, 19.1% of the county's total, and the average Muskingum County loan of $160K compares with $168K across Ohio.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| MM LENDING, LLC | 33 | $4.3M | $130K | 0.0% |
| The Community Bank | 18 | $2.4M | $134K | 50.0% |
| The Park National Bank | 17 | $2.3M | $137K | 76.5% |
| PEOPLES STATE BANK | 16 | $5.4M | $339K | 56.2% |
| Loan Funder LLC | 9 | $1.5M | $172K | 44.4% |
| CV3 FINANCIAL SERVICES, LLC | 9 | $0.9M | $97K | 88.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 8 | $1.2M | $155K | 25.0% |
| Kiavi Funding, Inc. | 8 | $1.2M | $150K | 87.5% |
| THE HOME LOAN SAVINGS BANK | 6 | $1.2M | $202K | 16.7% |
| BPL MORTGAGE TRUST, LLC | 5 | $0.8M | $153K | 20.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | $0.5M | $130K | 0.0% |
| North Valley Bank | 3 | $0.7M | $238K | 33.3% |
| Northpointe Bank | 3 | $0.3M | $92K | 0.0% |
| LOWER, LLC | 2 | $0.3M | $155K | 50.0% |
| Rocket Mortgage, LLC | 2 | $0.3M | $150K | 0.0% |
| First Federal Savings and Loan Association | 2 | $0.3M | $140K | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | $0.2M | $115K | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 2 | $0.2M | $100K | 0.0% |
| JPMorgan Chase Bank, National Association | 2 | $0.2M | $95K | 0.0% |
| Loandepot.Com, LLC | 2 | $0.2M | $85K | 50.0% |
| Westfield Bank, FSB | 1 | $0.8M | $755K | 100.0% |
| FIRST OHIO HOME FINANCE, INC. | 1 | $0.3M | $295K | 0.0% |
| Farm Credit Mid-America | 1 | $0.2M | $235K | 0.0% |
| FUNDLOANS CAPITAL | 1 | $0.2M | $195K | 0.0% |
| Broker Solutions, Inc. | 1 | $0.2M | $165K | 100.0% |
1,125 Ohio loans (5.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Muskingum County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Muskingum County CSV, all 25 lenders
What Muskingum County's table can't show you: fit. Short-term financing is exempt from HMDA, so Muskingum County's fix-and-flip and bridge lenders barely appear among its 40 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 Muskingum County, Ohio deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Muskingum 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 — Muskingum County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 40 lenders and 173 loans: 2025 HMDA loan-level data rolled up to Muskingum County.
- Muskingum County investor-lender dataset (CSV) — All 25 lenders in the Muskingum County, Ohio table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Muskingum 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 Muskingum County, OH.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Muskingum 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.