DSCR Loans in Placer County, California
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, 170 lenders made 900 investment-property loans in Placer County, 1.7% of California's total. Dominick Prevete arranges DSCR loans across Placer 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 $435,000.
Placer County investor market at a glance
| Statistic | Placer County | California | County rank |
|---|---|---|---|
| Investor loans | 900 | 54,410 | 14th of 39 |
| Reporting lenders | 170 | 630 | 14th of 39 |
| Loan volume | $436.6M | $37.12B | 16th of 39 |
| Average loan | $485K | $682K | 19th of 39 |
| Median loan | $415K | $485K | 19th of 39 |
| Purchases | 62.2% | 51.1% | 2nd of 39 |
| Cash-out refinances | 15.6% | 25.6% | 37th of 39 |
| 2–4 unit properties | 5.3% | 16.6% | 36th of 39 |
| Top five lenders' share | 33.7% | 23.2% | 16th of 39 |
| Reported business-purpose | 61.4% | 71.2% | 36th of 39 |
Placer County: closed-end loans on 1–4 unit investment properties. Placer County's rank is highest first, among California's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Placer County's investor loans.
What stands out in Placer County
62.2% of Placer County's investor loans were purchases, the 2nd-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.
15.6% of Placer County's investor loans were cash-out refinances, the 3rd-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.
61.4% of Placer County's investor loans were reported as business-purpose, the 4th-lowest share of California's 39 counties with published data (statewide: 71.2%).
Fewer investor loans here were reported as business-purpose than in most of California. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
Does a DSCR loan pencil in Placer County?
At HUD's fair market rent of $2,887 for a 3-bedroom in Placer County, California, a rental covers its full DSCR payment up to a purchase price of about $435,000, with 20% down at the 7.25% starting rate (November 2026). Placer County's median home value is $688,100; at that price the payment is $4,526 a month, so the property would need $4,550 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) | $2,201 / $2,887 / $3,329 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $688,100 |
| Median property taxes and effective rate | $5,812 (0.84% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $4,526 |
| Rent needed to cover that payment | $4,550 |
| Coverage of a 3-bedroom at fair market rent | 0.64 |
| Highest price a 3-bedroom at fair market rent covers | about $435,000 |
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 Placer County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Placer County?
The most active investment-property lenders in Placer County in 2025 HMDA data were THE LOAN STORE, INC.; UNITED SHORE FINANCIAL SERVICES, LLC; and DHI MORTGAGE COMPANY, LTD., out of 170 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 Placer County, and matches each file to the one most likely to fund it.
Placer County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 900 loans and $436.6M from 170 lenders. THE LOAN STORE, INC. led Placer County with 91 loans, 10.1% of the county's total, and the average Placer County loan of $485K compares with $682K across California.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| THE LOAN STORE, INC. | 91 | $34.7M | $381K | 53.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 62 | $26.7M | $431K | 45.2% |
| DHI MORTGAGE COMPANY, LTD. | 56 | $21.7M | $388K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 52 | $25.2M | $485K | 63.5% |
| Rocket Mortgage, LLC | 42 | $20.5M | $487K | 64.3% |
| Kiavi Funding, Inc. | 32 | $13.5M | $423K | 93.8% |
| LENNAR MORTGAGE, LLC | 26 | $11.5M | $443K | 100.0% |
| KIND LENDING, LLC | 16 | $6.4M | $403K | 50.0% |
| CHAMPIONS FUNDING, LLC | 14 | $8.8M | $629K | 57.1% |
| NexBank | 14 | $8.2M | $589K | 57.1% |
| General Mortgage Capital Corporation | 14 | $8.0M | $571K | 64.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 13 | $8.9M | $686K | 53.8% |
| U.S. Bank National Association | 13 | $5.7M | $441K | 69.2% |
| SAFE Credit Union | 12 | $5.5M | $461K | 100.0% |
| HOMEAMERICAN MORTGAGE CORPORATION | 12 | $5.3M | $443K | 100.0% |
| JPMorgan Chase Bank, National Association | 12 | $4.9M | $406K | 25.0% |
| OCMBC, INC. | 11 | $6.6M | $604K | 27.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 11 | $5.0M | $452K | 54.5% |
| Loandepot.Com, LLC | 11 | $4.8M | $437K | 81.8% |
| GUILD MORTGAGE COMPANY | 11 | $3.6M | $328K | 63.6% |
| Commerce Home Mortgage, Inc. | 10 | $5.8M | $585K | 70.0% |
| NEXERA HOLDING LLC | 10 | $3.8M | $382K | 40.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 9 | $5.8M | $645K | 88.9% |
| NEWREZ LLC | 8 | $5.4M | $680K | 62.5% |
| CONVENTUS LLC | 8 | $3.8M | $475K | 62.5% |
1,726 California loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Placer County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Placer County CSV, all 25 lenders
What Placer County's table can't show you: fit. Short-term financing is exempt from HMDA, so Placer County's fix-and-flip and bridge lenders barely appear among its 170 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 Placer County, California deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Placer 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 — Placer County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 170 lenders and 900 loans: 2025 HMDA loan-level data rolled up to Placer County.
- Placer County investor-lender dataset (CSV) — All 25 lenders in the Placer County, California table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Placer 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 Sacramento--Roseville--Arden-Arcade, CA HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Placer 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.