DSCR Loans in Niagara County, New York
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 56 lenders made 204 investment-property loans in Niagara County, 0.9% of New York's total. Dominick Prevete arranges DSCR loans across Niagara County, New York, 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.
Niagara County investor market at a glance
| Statistic | Niagara County | New York | County rank |
|---|---|---|---|
| Investor loans | 204 | 22,268 | 22nd of 26 |
| Reporting lenders | 56 | 396 | 22nd of 26 |
| Loan volume | $33.8M | $11.65B | 23rd of 26 |
| Average loan | $166K | $523K | 21st of 26 |
| Median loan | $135K | $405K | 21st of 26 |
| Purchases | 62.3% | 59.1% | 8th of 26 |
| Cash-out refinances | 29.4% | 25.7% | 5th of 26 |
| 2–4 unit properties | 52.0% | 44.0% | 12th of 26 |
| Top five lenders' share | 41.2% | 22.4% | 8th of 26 |
| Reported business-purpose | 86.3% | 85.6% | 11th of 26 |
Niagara County: closed-end loans on 1–4 unit investment properties. Niagara County's rank is highest first, among New York's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Niagara County's investor loans.
What stands out in Niagara County
The median investor loan in Niagara County was $135K, the 4th-lowest median of New York's 26 counties with published data (statewide: $405K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
29.4% of Niagara County's investor loans were cash-out refinances, the 5th-highest share of New York's 26 counties with published data (statewide: 25.7%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
Does a DSCR loan pencil in Niagara County?
At HUD's fair market rent of $1,732 for a 3-bedroom in Niagara County, New York, 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). Niagara County's median home value is $189,800; at that price the payment is $1,461 a month, so the property would need $1,475 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) | $1,423 / $1,732 / $1,977 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $189,800 |
| Median property taxes and effective rate | $4,155 (2.19% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,461 |
| Rent needed to cover that payment | $1,475 |
| Coverage of a 3-bedroom at fair market rent | 1.19 |
| 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 $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 Niagara County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Niagara County?
The most active investment-property lenders in Niagara County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; CROSSCOUNTRY MORTGAGE, INC.; and PREMIUM MORTGAGE CORPORATION, out of 56 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 Niagara County, and matches each file to the one most likely to fund it.
Niagara County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 204 loans and $33.8M from 56 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Niagara County with 40 loans, 19.6% of the county's total, and the average Niagara County loan of $166K compares with $523K across New York.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 40 | $5.8M | $144K | 42.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 12 | $1.8M | $147K | 75.0% |
| PREMIUM MORTGAGE CORPORATION | 11 | $1.7M | $158K | 81.8% |
| Rocket Mortgage, LLC | 11 | $1.5M | $136K | 18.2% |
| Loan Funder LLC | 10 | $1.8M | $176K | 70.0% |
| Kiavi Funding, Inc. | 10 | $1.3M | $134K | 60.0% |
| Manufacturers and Traders Trust Company | 7 | $1.2M | $178K | 100.0% |
| AMERICAN HERITAGE LENDING, LLC | 7 | $0.9M | $131K | 28.6% |
| HOMESTEAD FUNDING CORP. | 6 | $1.1M | $175K | 100.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | $1.0M | $172K | 66.7% |
| Hometown Equity Mortgage, LLC | 5 | $1.0M | $193K | 40.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | $0.9M | $225K | 75.0% |
| CHAMPIONS FUNDING, LLC | 4 | $0.7M | $163K | 100.0% |
| KeyBank National Association | 3 | $0.7M | $218K | 100.0% |
| EVERETT FINANCIAL, INC. | 3 | $0.4M | $138K | 100.0% |
| LENDINGONE, LLC | 3 | $0.4M | $128K | 33.3% |
| Community Bank, National Association | 3 | $0.4M | $125K | 66.7% |
| BPL MORTGAGE TRUST, LLC | 3 | $0.3M | $102K | 33.3% |
| CONSTRUCTIVE LOANS, LLC | 3 | $0.3M | $92K | 100.0% |
| Northwest Bank | 3 | $0.3M | $88K | 66.7% |
| NVR Mortgage Finance, Inc. | 2 | $0.5M | $270K | 100.0% |
| Wells Fargo Bank, National Association | 2 | $0.5M | $245K | 50.0% |
| Citadel Servicing Corporation | 2 | $0.4M | $210K | 0.0% |
| HUNT MORTGAGE CORPORATION | 2 | $0.4M | $210K | 50.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | $0.3M | $175K | 100.0% |
617 New York loans (2.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Niagara County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Niagara County CSV, all 25 lenders
What Niagara County's table can't show you: fit. Short-term financing is exempt from HMDA, so Niagara County's fix-and-flip and bridge lenders barely appear among its 56 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 Niagara County, New York deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Niagara County, New York 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 — Niagara County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 56 lenders and 204 loans: 2025 HMDA loan-level data rolled up to Niagara County.
- Niagara County investor-lender dataset (CSV) — All 25 lenders in the Niagara County, New York table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Niagara 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 Buffalo-Cheektowaga, NY MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Niagara 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.