DSCR Loans in Navajo County, Arizona
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 73 lenders made 127 investment-property loans in Navajo County, 1.1% of Arizona's total. Dominick Prevete arranges DSCR loans across Navajo 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 $245,000.
Navajo County investor market at a glance
| Statistic | Navajo County | Arizona | County rank |
|---|---|---|---|
| Investor loans | 127 | 11,445 | 8th of 9 |
| Reporting lenders | 73 | 505 | 7th of 9 |
| Loan volume | $40.2M | $4.44B | 8th of 9 |
| Average loan | $317K | $388K | 4th of 9 |
| Median loan | $265K | $295K | 4th of 9 |
| Purchases | 62.2% | 57.8% | 3rd of 9 |
| Cash-out refinances | 22.0% | 21.1% | 4th of 9 |
| 2–4 unit properties | 3.9% | 7.1% | 9th of 9 |
| Top five lenders' share | 28.3% | 24.8% | 6th of 9 |
| Reported business-purpose | 59.1% | 68.0% | 9th of 9 |
Navajo County: closed-end loans on 1–4 unit investment properties. Navajo County's rank is highest first, among Arizona's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Navajo County's investor loans.
What stands out in Navajo County
59.1% of Navajo County's investor loans were reported as business-purpose, the lowest share of Arizona's 9 counties with published data (statewide: 68.0%).
Fewer investor loans here were reported as business-purpose than in most of Arizona. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
3.9% of Navajo County's investor loans financed a 2–4 unit property, the lowest share of Arizona's 9 counties with published data (statewide: 7.1%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Does a DSCR loan pencil in Navajo County?
At HUD's fair market rent of $1,567 for a 3-bedroom in Navajo County, Arizona, a rental covers its full DSCR payment up to a purchase price of about $245,000, with 20% down at the 7.25% starting rate (November 2026). Navajo County's median home value is $201,500; at that price the payment is $1,283 a month, so the property would need $1,300 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) | $1,264 / $1,567 / $1,661 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $201,500 |
| Median property taxes and effective rate | $1,195 (0.59% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,283 |
| Rent needed to cover that payment | $1,300 |
| Coverage of a 3-bedroom at fair market rent | 1.22 |
| Highest price a 3-bedroom at fair market rent covers | about $245,000 |
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 Navajo County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Navajo County?
The most active investment-property lenders in Navajo County in 2025 HMDA data were Rocket Mortgage, LLC; UNITED SHORE FINANCIAL SERVICES, LLC; and THE LOAN STORE, INC., out of 73 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 several that reported in Navajo County, and matches each file to the one most likely to fund it.
Navajo County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 127 loans and $40.2M from 73 lenders. Rocket Mortgage, LLC led Navajo County with 11 loans, 8.7% of the county's total, and the average Navajo County loan of $317K compares with $388K across Arizona.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 11 | $3.4M | $309K | 63.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 8 | $2.4M | $294K | 62.5% |
| THE LOAN STORE, INC. | 7 | $2.5M | $361K | 71.4% |
| PENNYMAC LOAN SERVICES, LLC | 5 | $2.4M | $489K | 100.0% |
| CV3 FINANCIAL SERVICES, LLC | 5 | $1.2M | $231K | 80.0% |
| KIND LENDING, LLC | 4 | $1.7M | $420K | 75.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 3 | $1.0M | $335K | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | $0.8M | $255K | 0.0% |
| V.I.P. MORTGAGE, INC. | 3 | $0.6M | $205K | 100.0% |
| A&D Mortgage LLC | 3 | $0.5M | $172K | 66.7% |
| Bell Bank | 2 | $1.0M | $505K | 100.0% |
| Filo Mortgage, L.L.C. | 2 | $0.7M | $355K | 50.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 2 | $0.7M | $345K | 100.0% |
| Fairway Independent Mortgage Corporation | 2 | $0.6M | $315K | 100.0% |
| GENEVA FINANCIAL, LLC | 2 | $0.6M | $310K | 50.0% |
| Kiavi Funding, Inc. | 2 | $0.6M | $280K | 100.0% |
| NEXERA HOLDING LLC | 2 | $0.5M | $245K | 50.0% |
| SUN AMERICAN MORTGAGE COMPANY | 2 | $0.5M | $230K | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | $0.4M | $220K | 0.0% |
| EFINITY FINANCIAL INC. | 2 | $0.4M | $210K | 100.0% |
| JPMorgan Chase Bank, National Association | 2 | $0.4M | $210K | 50.0% |
| SWH FUNDING, LLC | 2 | $0.3M | $155K | 50.0% |
| MidFirst Bank | 1 | $1.7M | $1735K | 0.0% |
| Citadel Servicing Corporation | 1 | $0.7M | $715K | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | $0.6M | $635K | 0.0% |
83 Arizona loans (0.7%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Navajo County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Navajo County CSV, all 25 lenders
What Navajo County's table can't show you: fit. Short-term financing is exempt from HMDA, so Navajo County's fix-and-flip and bridge lenders barely appear among its 73 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 several 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 Navajo County, Arizona deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Navajo 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 — Navajo County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 73 lenders and 127 loans: 2025 HMDA loan-level data rolled up to Navajo County.
- Navajo County investor-lender dataset (CSV) — All 25 lenders in the Navajo County, Arizona table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Navajo 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 Navajo County, AZ.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Navajo 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.