DSCR Loans in Plymouth County, Massachusetts
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, 140 lenders made 560 investment-property loans in Plymouth County, 5.6% of Massachusetts's total. Dominick Prevete arranges DSCR loans across Plymouth County, Massachusetts, 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 $520,000.
Plymouth County investor market at a glance
| Statistic | Plymouth County | Massachusetts | County rank |
|---|---|---|---|
| Investor loans | 560 | 9,959 | 8th of 11 |
| Reporting lenders | 140 | 432 | 8th of 11 |
| Loan volume | $283.1M | $6.16B | 7th of 11 |
| Average loan | $506K | $618K | 6th of 11 |
| Median loan | $435K | $465K | 6th of 11 |
| Purchases | 62.1% | 60.2% | 6th of 11 |
| Cash-out refinances | 20.9% | 18.6% | 3rd of 11 |
| 2–4 unit properties | 28.0% | 46.4% | 10th of 11 |
| Top five lenders' share | 23.6% | 17.2% | 4th of 11 |
| Reported business-purpose | 74.1% | 73.3% | 6th of 11 |
Plymouth County: closed-end loans on 1–4 unit investment properties. Plymouth County's rank is highest first, among Massachusetts's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Plymouth County's investor loans.
What stands out in Plymouth County
28.0% of Plymouth County's investor loans financed a 2–4 unit property, the 2nd-lowest share of Massachusetts's 11 counties with published data (statewide: 46.4%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Plymouth County's 560 investor loans ranked 8th of Massachusetts's 11 counties with published data.
Does a DSCR loan pencil in Plymouth County?
At HUD's fair market rent of $3,584 for a 3-bedroom in Plymouth County, Massachusetts, a rental covers its full DSCR payment up to a purchase price of about $520,000, with 20% down at the 7.25% starting rate (November 2026). Plymouth County's median home value is $556,000; at that price the payment is $3,808 a month, so the property would need $3,825 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) | $3,008 / $3,584 / $3,953 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $556,000 |
| Median property taxes and effective rate | $6,502 (1.17% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,808 |
| Rent needed to cover that payment | $3,825 |
| Coverage of a 3-bedroom at fair market rent | 0.94 |
| Highest price a 3-bedroom at fair market rent covers | about $520,000 |
| HUD area | Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area |
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 Plymouth County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Plymouth County?
The most active investment-property lenders in Plymouth County in 2025 HMDA data were RF RENOVO MANAGEMENT COMPANY, LLC; Rockland Trust Company; and Loan Funder LLC, out of 140 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 Plymouth County, and matches each file to the one most likely to fund it.
Plymouth County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 560 loans and $283.1M from 140 lenders. RF RENOVO MANAGEMENT COMPANY, LLC led Plymouth County with 45 loans, 8.0% of the county's total, and the average Plymouth County loan of $506K compares with $618K across Massachusetts.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| RF RENOVO MANAGEMENT COMPANY, LLC | 45 | $20.1M | $448K | 86.7% |
| Rockland Trust Company | 25 | $15.8M | $631K | 76.0% |
| Loan Funder LLC | 22 | $11.8M | $536K | 86.4% |
| North Easton Savings Bank | 20 | $11.9M | $598K | 85.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 20 | $9.5M | $473K | 75.0% |
| OCMBC, INC. | 18 | $7.8M | $431K | 44.4% |
| Kiavi Funding, Inc. | 17 | $8.3M | $486K | 94.1% |
| Loandepot.Com, LLC | 17 | $8.1M | $475K | 58.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 16 | $4.2M | $259K | 37.5% |
| RADIUS FINANCIAL GROUP INC. | 14 | $7.4M | $529K | 50.0% |
| PENNYMAC LOAN SERVICES, LLC | 14 | $7.0M | $496K | 71.4% |
| Leader Bank, National Association | 13 | $5.9M | $453K | 69.2% |
| Hometown Equity Mortgage, LLC | 12 | $6.6M | $549K | 33.3% |
| CCG Fund 1, LLC | 10 | $10.9M | $1086K | 80.0% |
| Bluestone Bank | 10 | $6.6M | $659K | 80.0% |
| GUARANTEED RATE, INC. | 10 | $5.4M | $541K | 40.0% |
| Rocket Mortgage, LLC | 9 | $3.1M | $347K | 55.6% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 8 | $3.7M | $466K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 8 | $2.3M | $285K | 12.5% |
| Coastal Heritage Bank | 7 | $7.6M | $1081K | 85.7% |
| ARC HOME LLC | 7 | $3.6M | $509K | 71.4% |
| CMG MORTGAGE, INC. | 7 | $3.4M | $492K | 71.4% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 7 | $3.1M | $448K | 0.0% |
| NEWREZ LLC | 6 | $3.0M | $500K | 33.3% |
| TOTAL MORTGAGE SERVICES, LLC | 6 | $2.9M | $478K | 50.0% |
211 Massachusetts loans (2.1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Plymouth County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Plymouth County CSV, all 25 lenders
What Plymouth County's table can't show you: fit. Short-term financing is exempt from HMDA, so Plymouth County's fix-and-flip and bridge lenders barely appear among its 140 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.
What Plymouth County deals has Dominick Prevete closed?
The proof is a closing, not a promise.
- $305,000Marion, MA
2-unit · DSCR purchase · closed October 2025
These are closings Dominick Prevete arranged personally, 1 of the 35 on his closed transactions record, which lists each one's leverage, coverage and rate at closing.
Run the coverage test on your Plymouth County, Massachusetts deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Plymouth County, Massachusetts 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 — Plymouth County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 140 lenders and 560 loans: 2025 HMDA loan-level data rolled up to Plymouth County.
- Plymouth County investor-lender dataset (CSV) — All 25 lenders in the Plymouth County, Massachusetts table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Plymouth 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 Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Plymouth 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.