DSCR Loans in Nevada County, California
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 66 lenders made 165 investment-property loans in Nevada County, 0.3% of California's total. Dominick Prevete arranges DSCR loans across Nevada 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 $400,000.
Nevada County investor market at a glance
| Statistic | Nevada County | California | County rank |
|---|---|---|---|
| Investor loans | 165 | 54,410 | 35th of 39 |
| Reporting lenders | 66 | 630 | 33rd of 39 |
| Loan volume | $75.6M | $37.12B | 32nd of 39 |
| Average loan | $458K | $682K | 20th of 39 |
| Median loan | $375K | $485K | 23rd of 39 |
| Purchases | 57.0% | 51.1% | 9th of 39 |
| Cash-out refinances | 21.2% | 25.6% | 32nd of 39 |
| 2–4 unit properties | 3.6% | 16.6% | 37th of 39 |
| Top five lenders' share | 34.5% | 23.2% | 13th of 39 |
| Reported business-purpose | 71.5% | 71.2% | 18th of 39 |
Nevada County: closed-end loans on 1–4 unit investment properties. Nevada County's rank is highest first, among California's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Nevada County's investor loans.
What stands out in Nevada County
3.6% of Nevada County's investor loans financed a 2–4 unit property, the 3rd-lowest share of California's 39 counties with published data (statewide: 16.6%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
21.2% of Nevada County's investor loans were cash-out refinances, the 8th-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.
57.0% of Nevada County's investor loans were purchases, the 9th-highest share of California's 39 counties with published data (statewide: 51.1%).
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.
Does a DSCR loan pencil in Nevada County?
At HUD's fair market rent of $2,610 for a 3-bedroom in Nevada County, California, a rental covers its full DSCR payment up to a purchase price of about $400,000, with 20% down at the 7.25% starting rate (November 2026). Nevada County's median home value is $621,800; at that price the payment is $4,044 a month, so the property would need $4,050 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) | $1,885 / $2,610 / $3,151 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $621,800 |
| Median property taxes and effective rate | $4,694 (0.75% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $4,044 |
| Rent needed to cover that payment | $4,050 |
| Coverage of a 3-bedroom at fair market rent | 0.65 |
| Highest price a 3-bedroom at fair market rent covers | about $400,000 |
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 Nevada County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Nevada County?
The most active investment-property lenders in Nevada County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; THE LOAN STORE, INC.; and Kiavi Funding, Inc., out of 66 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 Nevada County, and matches each file to the one most likely to fund it.
Nevada County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 165 loans and $75.6M from 66 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Nevada County with 17 loans, 10.3% of the county's total, and the average Nevada County loan of $458K compares with $682K across California.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 17 | $7.1M | $419K | 58.8% |
| THE LOAN STORE, INC. | 14 | $5.5M | $396K | 28.6% |
| Kiavi Funding, Inc. | 10 | $5.2M | $522K | 90.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | $6.3M | $704K | 66.7% |
| KIND LENDING, LLC | 7 | $3.5M | $506K | 28.6% |
| Rocket Mortgage, LLC | 7 | $1.9M | $268K | 57.1% |
| ALAMEDA MORTGAGE CORPORATION | 6 | $2.7M | $443K | 83.3% |
| Citadel Servicing Corporation | 4 | $2.1M | $525K | 25.0% |
| NEXERA HOLDING LLC | 4 | $1.5M | $380K | 25.0% |
| Synergy One Lending, Inc. | 4 | $1.4M | $355K | 100.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | $1.4M | $338K | 75.0% |
| Loandepot.Com, LLC | 3 | $1.7M | $552K | 66.7% |
| CHAMPIONS FUNDING, LLC | 3 | $1.3M | $432K | 33.3% |
| HOMEXPRESS MORTGAGE CORP. | 3 | $1.1M | $382K | 33.3% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 3 | $1.0M | $332K | 100.0% |
| GUILD MORTGAGE COMPANY | 3 | $0.9M | $308K | 100.0% |
| SIERRA CENTRAL CREDIT UNION | 3 | $0.2M | $58K | 66.7% |
| CAKE MORTGAGE CORP. | 2 | $2.3M | $1140K | 0.0% |
| CONVENTUS LLC | 2 | $1.6M | $810K | 50.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 2 | $1.5M | $735K | 0.0% |
| FUNDLOANS CAPITAL | 2 | $1.4M | $690K | 50.0% |
| NEWREZ LLC | 2 | $1.3M | $665K | 50.0% |
| Commerce Home Mortgage, Inc. | 2 | $1.3M | $655K | 50.0% |
| U.S. Bank National Association | 2 | $1.3M | $640K | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 2 | $1.0M | $495K | 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 Nevada County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Nevada County CSV, all 25 lenders
What Nevada County's table can't show you: fit. Short-term financing is exempt from HMDA, so Nevada County's fix-and-flip and bridge lenders barely appear among its 66 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 Nevada County, California deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Nevada 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 — Nevada County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 66 lenders and 165 loans: 2025 HMDA loan-level data rolled up to Nevada County.
- Nevada County investor-lender dataset (CSV) — All 25 lenders in the Nevada County, California table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Nevada 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 Nevada County, CA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Nevada 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.