DSCR Loans in Ouachita Parish, Louisiana
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 47 lenders made 517 investment-property loans in Ouachita Parish, 6.3% of Louisiana's total. Dominick Prevete arranges DSCR loans across Ouachita Parish, Louisiana, 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 $205,000.
Ouachita Parish investor market at a glance
| Statistic | Ouachita Parish | Louisiana | County rank |
|---|---|---|---|
| Investor loans | 517 | 8,254 | 5th of 17 |
| Reporting lenders | 47 | 337 | 12th of 17 |
| Loan volume | $87.7M | $1.46B | 5th of 17 |
| Average loan | $170K | $177K | 8th of 17 |
| Median loan | $115K | $125K | 10th of 17 |
| Purchases | 47.4% | 47.7% | 11th of 17 |
| Cash-out refinances | 3.7% | 13.1% | 16th of 17 |
| 2–4 unit properties | 27.3% | 23.6% | 2nd of 17 |
| Top five lenders' share | 65.0% | 16.0% | 5th of 17 |
| Reported business-purpose | 19.3% | 46.3% | 15th of 17 |
Ouachita Parish: closed-end loans on 1–4 unit investment properties. Ouachita Parish's rank is highest first, among Louisiana's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Ouachita Parish's investor loans.
What stands out in Ouachita Parish
3.7% of Ouachita Parish's investor loans were cash-out refinances, the 2nd-lowest share of Louisiana's 17 counties with published data (statewide: 13.1%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
27.3% of Ouachita Parish's investor loans financed a 2–4 unit property, the 2nd-highest share of Louisiana's 17 counties with published data (statewide: 23.6%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
19.3% of Ouachita Parish's investor loans were reported as business-purpose, the 3rd-lowest share of Louisiana's 17 counties with published data (statewide: 46.3%).
Fewer investor loans here were reported as business-purpose than in most of Louisiana. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
Does a DSCR loan pencil in Ouachita Parish?
At HUD's fair market rent of $1,314 for a 3-bedroom in Ouachita Parish, Louisiana, a rental covers its full DSCR payment up to a purchase price of about $205,000, with 20% down at the 7.25% starting rate (November 2026). Ouachita Parish's median home value is $194,400; at that price the payment is $1,230 a month, so the property would need $1,250 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) | $1,017 / $1,314 / $1,337 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $194,400 |
| Median property taxes and effective rate | $1,054 (0.54% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,230 |
| Rent needed to cover that payment | $1,250 |
| Coverage of a 3-bedroom at fair market rent | 1.07 |
| Highest price a 3-bedroom at fair market rent covers | about $205,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $320,000 |
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 Ouachita Parish's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Ouachita Parish?
The most active investment-property lenders in Ouachita Parish in 2025 HMDA data were Guaranty Bank & Trust Company of Delhi, Louisiana; HOMELAND BANCSHARES, INC.; and Origin Bank, out of 47 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 one that reported in Ouachita Parish, and matches each file to the one most likely to fund it.
Ouachita Parish's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 517 loans and $87.7M from 47 lenders. Guaranty Bank & Trust Company of Delhi, Louisiana led Ouachita Parish with 156 loans, 30.2% of the county's total, and the average Ouachita Parish loan of $170K compares with $177K across Louisiana.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Guaranty Bank & Trust Company of Delhi, Louisiana | 156 | $18.3M | $117K | 44.2% |
| HOMELAND BANCSHARES, INC. | 51 | $7.9M | $154K | 45.1% |
| Origin Bank | 49 | $7.9M | $160K | 57.1% |
| Commercial Capital Bank | 45 | $18.3M | $406K | 48.9% |
| Century Next Bank | 35 | $3.6M | $102K | 11.4% |
| Marion State Bank | 25 | $3.2M | $129K | 44.0% |
| Louisiana National Bank | 19 | $1.9M | $98K | 36.8% |
| Citizens Progressive Bank | 17 | $4.5M | $264K | 52.9% |
| WINNSBORO STATE BANK & TRUST COMPANY | 17 | $4.5M | $262K | 82.4% |
| b1BANK | 15 | $6.1M | $408K | 33.3% |
| Progressive Bank | 12 | $1.4M | $118K | 33.3% |
| Cross Keys Bank | 9 | $1.3M | $145K | 66.7% |
| Cadence Bank | 7 | $0.7M | $104K | 42.9% |
| NEWREZ LLC | 5 | $0.5M | $109K | 60.0% |
| Eagle Bank and Trust Company | 4 | $0.7M | $168K | 100.0% |
| JPMorgan Chase Bank, National Association | 4 | $0.5M | $130K | 50.0% |
| CV3 Financial Services, LLC | 4 | $0.5M | $115K | 100.0% |
| Assurance Financial Group, L.L.C. | 3 | $0.5M | $165K | 33.3% |
| Kiavi Funding, Inc. | 3 | $0.5M | $162K | 66.7% |
| Cornerstone First Mortgage, Inc | 3 | $0.4M | $148K | 100.0% |
| CLB The Community Bank | 3 | $0.3M | $108K | 100.0% |
| HANCOCK WHITNEY BANK | 2 | $0.8M | $395K | 100.0% |
| American Bank | 2 | $0.3M | $175K | 100.0% |
| United Wholesale Mortgage | 2 | $0.2M | $115K | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | $0.2M | $115K | 0.0% |
136 Louisiana loans (1.6%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Ouachita Parish: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Ouachita Parish CSV, all 25 lenders
What Ouachita Parish's table can't show you: fit. Short-term financing is exempt from HMDA, so Ouachita Parish's fix-and-flip and bridge lenders barely appear among its 47 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 →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Ouachita Parish with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Ouachita Parish |
|---|---|---|---|
| Lincoln Parish, LA | 161 | 32 | Borders Ouachita Parish |
| Bossier Parish, LA | 219 | 48 | About 85 miles away |
| Rapides Parish, LA | 311 | 33 | About 90 miles away |
| Hinds County, MS | 825 | 83 | About 100 miles away |
Run the coverage test on your Ouachita Parish, Louisiana deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Ouachita Parish, Louisiana 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 — Ouachita Parish's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 47 lenders and 517 loans: 2025 HMDA loan-level data rolled up to Ouachita Parish.
- Ouachita Parish investor-lender dataset (CSV) — All 25 lenders in the Ouachita Parish, Louisiana table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Ouachita Parish'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 Monroe, LA HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Ouachita Parish'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.