DSCR Loans in Pike County, Pennsylvania
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, 69 lenders made 151 investment-property loans in Pike County, 0.6% of Pennsylvania's total. Dominick Prevete arranges DSCR loans across Pike County, Pennsylvania, 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 $300,000.
Pike County investor market at a glance
| Statistic | Pike County | Pennsylvania | County rank |
|---|---|---|---|
| Investor loans | 151 | 24,181 | 31st of 35 |
| Reporting lenders | 69 | 587 | 22nd of 35 |
| Loan volume | $33.9M | $5.10B | 23rd of 35 |
| Average loan | $224K | $211K | 12th of 35 |
| Median loan | $205K | $175K | 6th of 35 |
| Purchases | 68.2% | 55.3% | 7th of 35 |
| Cash-out refinances | 16.6% | 21.3% | 18th of 35 |
| 2–4 unit properties | 4.6% | 26.5% | 35th of 35 |
| Top five lenders' share | 33.8% | 20.4% | 20th of 35 |
| Reported business-purpose | 67.5% | 77.2% | 26th of 35 |
Pike County: closed-end loans on 1–4 unit investment properties. Pike County's rank is highest first, among Pennsylvania's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Pike County's investor loans.
What stands out in Pike County
4.6% of Pike County's investor loans financed a 2–4 unit property, the lowest share of Pennsylvania's 35 counties with published data (statewide: 26.5%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
The median investor loan in Pike County was $205K, the 6th-highest median of Pennsylvania's 35 counties with published data (statewide: $175K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
68.2% of Pike County's investor loans were purchases, the 7th-highest share of Pennsylvania's 35 counties with published data (statewide: 55.3%).
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 Pike County?
At HUD's fair market rent of $2,106 for a 3-bedroom in Pike County, Pennsylvania, a rental covers its full DSCR payment up to a purchase price of about $300,000, with 20% down at the 7.25% starting rate (November 2026). Pike County's median home value is $272,600; at that price the payment is $1,896 a month, so the property would need $1,900 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) | $1,521 / $2,106 / $2,542 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $272,600 |
| Median property taxes and effective rate | $3,542 (1.30% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,896 |
| Rent needed to cover that payment | $1,900 |
| Coverage of a 3-bedroom at fair market rent | 1.11 |
| Highest price a 3-bedroom at fair market rent covers | 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 Pike County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Pike County?
The most active investment-property lenders in Pike County in 2025 HMDA data were GUARANTEED RATE, INC.; Kiavi Funding, Inc.; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 69 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 Pike County, and matches each file to the one most likely to fund it.
Pike County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 151 loans and $33.9M from 69 lenders. GUARANTEED RATE, INC. led Pike County with 12 loans, 7.9% of the county's total, and the average Pike County loan of $224K compares with $211K across Pennsylvania.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| GUARANTEED RATE, INC. | 12 | $3.2M | $267K | 100.0% |
| Kiavi Funding, Inc. | 12 | $2.3M | $192K | 83.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 10 | $1.8M | $175K | 50.0% |
| Rocket Mortgage, LLC | 9 | $1.9M | $216K | 33.3% |
| Wayne Bank | 8 | $1.6M | $194K | 62.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 6 | $1.4M | $233K | 66.7% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 5 | $1.0M | $191K | 100.0% |
| The Dime Bank | 4 | $0.7M | $175K | 100.0% |
| The Honesdale National Bank | 3 | $0.9M | $295K | 66.7% |
| Loan Funder LLC | 3 | $0.8M | $255K | 100.0% |
| CHAMPIONS FUNDING, LLC | 3 | $0.5M | $175K | 100.0% |
| U.S. Bank National Association | 3 | $0.5M | $155K | 33.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | $0.9M | $465K | 50.0% |
| Jeff Bank | 2 | $0.5M | $265K | 100.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | $0.5M | $255K | 100.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | $0.5M | $250K | 50.0% |
| Luminate Bank | 2 | $0.5M | $240K | 100.0% |
| Logan Finance Corporation | 2 | $0.5M | $235K | 100.0% |
| EAST COAST CAPITAL CORP. | 2 | $0.5M | $235K | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | $0.5M | $225K | 100.0% |
| LIMA ONE CAPITAL, LLC | 2 | $0.4M | $200K | 50.0% |
| CV3 FINANCIAL SERVICES, LLC | 2 | $0.4M | $190K | 100.0% |
| MOVEMENT MORTGAGE, LLC | 2 | $0.4M | $190K | 100.0% |
| Wells Fargo Bank, National Association | 2 | $0.4M | $190K | 50.0% |
| Loandepot.Com, LLC | 2 | $0.4M | $180K | 100.0% |
926 Pennsylvania loans (3.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Pike County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Pike County CSV, all 25 lenders
What Pike County's table can't show you: fit. Short-term financing is exempt from HMDA, so Pike County's fix-and-flip and bridge lenders barely appear among its 69 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 Pike County, Pennsylvania deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Pike County, Pennsylvania 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 — Pike County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 69 lenders and 151 loans: 2025 HMDA loan-level data rolled up to Pike County.
- Pike County investor-lender dataset (CSV) — All 25 lenders in the Pike County, Pennsylvania table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Pike 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 Pike County, PA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Pike 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.