DSCR Loans in Portage County, Ohio
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, 68 lenders made 143 investment-property loans in Portage County, 0.7% of Ohio's total. Dominick Prevete arranges DSCR loans across Portage County, Ohio, 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 $210,000.
Portage County investor market at a glance
| Statistic | Portage County | Ohio | County rank |
|---|---|---|---|
| Investor loans | 143 | 21,703 | 24th of 30 |
| Reporting lenders | 68 | 551 | 16th of 30 |
| Loan volume | $25.6M | $3.64B | 22nd of 30 |
| Average loan | $179K | $168K | 11th of 30 |
| Median loan | $155K | $135K | 9th of 30 |
| Purchases | 58.0% | 59.1% | 23rd of 30 |
| Cash-out refinances | 25.2% | 20.0% | 5th of 30 |
| 2–4 unit properties | 30.1% | 23.7% | 4th of 30 |
| Top five lenders' share | 34.3% | 28.8% | 22nd of 30 |
| Reported business-purpose | 76.2% | 76.4% | 10th of 30 |
Portage County: closed-end loans on 1–4 unit investment properties. Portage County's rank is highest first, among Ohio's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Portage County's investor loans.
What stands out in Portage County
30.1% of Portage County's investor loans financed a 2–4 unit property, the 4th-highest share of Ohio's 30 counties with published data (statewide: 23.7%).
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.
25.2% of Portage County's investor loans were cash-out refinances, the 5th-highest share of Ohio's 30 counties with published data (statewide: 20.0%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
Does a DSCR loan pencil in Portage County?
At HUD's fair market rent of $1,474 for a 3-bedroom in Portage County, Ohio, a rental covers its full DSCR payment up to a purchase price of about $210,000, with 20% down at the 7.25% starting rate (November 2026). Portage County's median home value is $227,000; at that price the payment is $1,573 a month, so the property would need $1,575 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) | $1,231 / $1,474 / $1,618 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $227,000 |
| Median property taxes and effective rate | $2,877 (1.27% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,573 |
| Rent needed to cover that payment | $1,575 |
| Coverage of a 3-bedroom at fair market rent | 0.94 |
| Highest price a 3-bedroom at fair market rent covers | about $210,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $355,000 |
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 Portage County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Portage County?
The most active investment-property lenders in Portage County in 2025 HMDA data were Portage Community Bank; Kiavi Funding, Inc.; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 68 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 Portage County, and matches each file to the one most likely to fund it.
Portage County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 143 loans and $25.6M from 68 lenders. Portage Community Bank led Portage County with 21 loans, 14.7% of the county's total, and the average Portage County loan of $179K compares with $168K across Ohio.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Portage Community Bank | 21 | $4.0M | $191K | 66.7% |
| Kiavi Funding, Inc. | 9 | $1.7M | $191K | 77.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 7 | $0.9M | $132K | 14.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 6 | $1.1M | $175K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 6 | $1.1M | $175K | 50.0% |
| The Huntington National Bank | 5 | $0.6M | $129K | 60.0% |
| Synergy One Lending, Inc. | 4 | $1.0M | $240K | 50.0% |
| CV3 FINANCIAL SERVICES, LLC | 4 | $0.7M | $185K | 100.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | $0.6M | $143K | 25.0% |
| Hometown Bank | 4 | $0.4M | $95K | 25.0% |
| Fifth Third Bank, National Association | 3 | $0.8M | $265K | 33.3% |
| UNION HOME MORTGAGE CORP. | 3 | $0.5M | $165K | 33.3% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | $0.5M | $162K | 100.0% |
| Churchill Funding I LLC | 2 | $1.8M | $915K | 100.0% |
| LENDINGONE, LLC | 2 | $0.5M | $270K | 50.0% |
| NEWREZ LLC | 2 | $0.3M | $175K | 100.0% |
| Union Savings Bank | 2 | $0.3M | $170K | 100.0% |
| A&D Mortgage LLC | 2 | $0.3M | $150K | 50.0% |
| JPMorgan Chase Bank, National Association | 2 | $0.3M | $150K | 100.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | $0.3M | $135K | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | 2 | $0.2M | $115K | 50.0% |
| Fairway Independent Mortgage Corporation | 2 | $0.2M | $105K | 100.0% |
| UNION CAPITAL MORTGAGE CORPORATION | 1 | $0.5M | $525K | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | $0.4M | $375K | 100.0% |
| LENDSURE MORTGAGE CORP. | 1 | $0.3M | $305K | 0.0% |
1,125 Ohio loans (5.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Portage County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Portage County CSV, all 25 lenders
What Portage County's table can't show you: fit. Short-term financing is exempt from HMDA, so Portage County's fix-and-flip and bridge lenders barely appear among its 68 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 Portage County, Ohio deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Portage County, Ohio 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 — Portage County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 68 lenders and 143 loans: 2025 HMDA loan-level data rolled up to Portage County.
- Portage County investor-lender dataset (CSV) — All 25 lenders in the Portage County, Ohio table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Portage 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 Akron, OH MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Portage 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.