DSCR Loans in Pottawattamie County, Iowa
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 61 lenders made 311 investment-property loans in Pottawattamie County, 5.3% of Iowa's total. Dominick Prevete arranges DSCR loans across Pottawattamie County, Iowa, 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 $265,000.
Pottawattamie County investor market at a glance
| Statistic | Pottawattamie County | Iowa | County rank |
|---|---|---|---|
| Investor loans | 311 | 5,822 | 5th of 9 |
| Reporting lenders | 61 | 349 | 5th of 9 |
| Loan volume | $44.0M | $896.7M | 7th of 9 |
| Average loan | $142K | $154K | 7th of 9 |
| Median loan | $125K | $125K | 6th of 9 |
| Purchases | 58.5% | 63.1% | 8th of 9 |
| Cash-out refinances | 3.5% | 5.5% | 6th of 9 |
| 2–4 unit properties | 17.4% | 23.2% | 8th of 9 |
| Top five lenders' share | 55.9% | 19.8% | 5th of 9 |
| Reported business-purpose | 30.9% | 47.3% | 7th of 9 |
Pottawattamie County: closed-end loans on 1–4 unit investment properties. Pottawattamie County's rank is highest first, among Iowa's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Pottawattamie County's investor loans.
What stands out in Pottawattamie County
17.4% of Pottawattamie County's investor loans financed a 2–4 unit property, the 2nd-lowest share of Iowa's 9 counties with published data (statewide: 23.2%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
58.5% of Pottawattamie County's investor loans were purchases, the 2nd-lowest share of Iowa's 9 counties with published data (statewide: 63.1%).
Refinances are a larger share here than in most of Iowa. A DSCR refinance qualifies on the property's current rent.
Does a DSCR loan pencil in Pottawattamie County?
At HUD's fair market rent of $1,924 for a 3-bedroom in Pottawattamie County, Iowa, a rental covers its full DSCR payment up to a purchase price of about $265,000, with 20% down at the 7.25% starting rate (November 2026). Pottawattamie County's median home value is $195,700; at that price the payment is $1,405 a month, so the property would need $1,425 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) | $1,450 / $1,924 / $2,179 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $195,700 |
| Median property taxes and effective rate | $3,067 (1.57% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,405 |
| Rent needed to cover that payment | $1,425 |
| Coverage of a 3-bedroom at fair market rent | 1.37 |
| Highest price a 3-bedroom at fair market rent covers | about $265,000 |
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 Pottawattamie County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Pottawattamie County?
The most active investment-property lenders in Pottawattamie County in 2025 HMDA data were Availa Bank; Glenwood State Bank; and Midstates Bank, National Association, out of 61 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 Pottawattamie County, and matches each file to the one most likely to fund it.
Pottawattamie County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 311 loans and $44.0M from 61 lenders. Availa Bank led Pottawattamie County with 60 loans, 19.3% of the county's total, and the average Pottawattamie County loan of $142K compares with $154K across Iowa.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Availa Bank | 60 | $5.4M | $89K | 33.3% |
| Glenwood State Bank | 54 | $8.3M | $154K | 57.4% |
| Midstates Bank, National Association | 35 | $5.5M | $158K | 71.4% |
| Pinnacle Bank | 13 | $1.8M | $137K | 61.5% |
| Dayspring Bank | 12 | $1.6M | $134K | 83.3% |
| TS Bank | 10 | $1.7M | $166K | 50.0% |
| Arbor Bank | 10 | $0.8M | $82K | 40.0% |
| FOUR POINTS | 9 | $1.9M | $211K | 88.9% |
| Dundee Bank | 9 | $1.4M | $157K | 22.2% |
| American National Bank | 8 | $1.7M | $216K | 75.0% |
| Union Bank and Trust Company | 7 | $1.3M | $188K | 85.7% |
| Frontier Bank | 5 | $0.6M | $117K | 80.0% |
| Northwest Bank | 3 | $0.6M | $192K | 33.3% |
| RVR BANK | 3 | $0.5M | $172K | 100.0% |
| CHAMPIONS FUNDING, LLC | 3 | $0.5M | $162K | 33.3% |
| THE LOAN STORE, INC. | 3 | $0.4M | $142K | 66.7% |
| GUARANTEED RATE, INC. | 3 | $0.4M | $142K | 100.0% |
| Core Bank | 3 | $0.4M | $135K | 66.7% |
| U.S. Bank National Association | 3 | $0.4M | $135K | 100.0% |
| CENTRIS | 3 | $0.3M | $112K | 66.7% |
| 21st Mortgage Corporation | 3 | $0.2M | $65K | 100.0% |
| Washington County Bank | 3 | $0.2M | $65K | 33.3% |
| The Shelby County State Bank | 3 | $0.2M | $58K | 33.3% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | $0.4M | $215K | 0.0% |
| Rocket Mortgage, LLC | 2 | $0.3M | $155K | 0.0% |
50 Iowa loans (0.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Pottawattamie County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Pottawattamie County CSV, all 25 lenders
What Pottawattamie County's table can't show you: fit. Short-term financing is exempt from HMDA, so Pottawattamie County's fix-and-flip and bridge lenders barely appear among its 61 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 Pottawattamie County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Pottawattamie County |
|---|---|---|---|
| Douglas County, NE | 1,310 | 154 | Borders Pottawattamie County |
| Sarpy County, NE | 258 | 82 | Borders Pottawattamie County |
| Lancaster County, NE | 824 | 104 | About 70 miles away |
| Woodbury County, IA | 299 | 36 | About 75 miles away |
| Dallas County, IA | 233 | 71 | About 80 miles away |
Run the coverage test on your Pottawattamie County, Iowa deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Pottawattamie County, Iowa 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 — Pottawattamie County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 61 lenders and 311 loans: 2025 HMDA loan-level data rolled up to Pottawattamie County.
- Pottawattamie County investor-lender dataset (CSV) — All 25 lenders in the Pottawattamie County, Iowa table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Pottawattamie 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 Omaha-Council Bluffs, NE-IA HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Pottawattamie 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.