DSCR Loans in Reno County, Kansas
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 34 lenders made 173 investment-property loans in Reno County, 2.8% of Kansas's total. Dominick Prevete arranges DSCR loans across Reno County, Kansas, 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 $175,000.
Reno County investor market at a glance
| Statistic | Reno County | Kansas | County rank |
|---|---|---|---|
| Investor loans | 173 | 6,189 | 7th of 9 |
| Reporting lenders | 34 | 354 | 9th of 9 |
| Loan volume | $15.9M | $1.11B | 9th of 9 |
| Average loan | $92K | $180K | 9th of 9 |
| Median loan | $75K | $135K | 9th of 9 |
| Purchases | 44.5% | 57.5% | 9th of 9 |
| Cash-out refinances | 20.8% | 11.8% | 1st of 9 |
| 2–4 unit properties | 20.2% | 20.4% | 5th of 9 |
| Top five lenders' share | 71.1% | 18.4% | 1st of 9 |
| Reported business-purpose | 61.8% | 58.9% | 5th of 9 |
Reno County: closed-end loans on 1–4 unit investment properties. Reno County's rank is highest first, among Kansas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Reno County's investor loans.
What stands out in Reno County
44.5% of Reno County's investor loans were purchases, the lowest share of Kansas's 9 counties with published data (statewide: 57.5%).
Most investor loans here refinance property investors already own. A DSCR refinance qualifies on the property's current rent.
20.8% of Reno County's investor loans were cash-out refinances, the highest share of Kansas's 9 counties with published data (statewide: 11.8%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
The average investor loan in Reno County was $92K, the lowest average of Kansas's 9 counties with published data (statewide: $180K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Reno County?
At HUD's fair market rent of $1,294 for a 3-bedroom in Reno County, Kansas, a rental covers its full DSCR payment up to a purchase price of about $175,000, with 20% down at the 7.25% starting rate (November 2026). Reno County's median home value is $132,500; at that price the payment is $958 a month, so the property would need $975 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) | $1,018 / $1,294 / $1,423 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $132,500 |
| Median property taxes and effective rate | $2,158 (1.63% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $958 |
| Rent needed to cover that payment | $975 |
| Coverage of a 3-bedroom at fair market rent | 1.35 |
| Highest price a 3-bedroom at fair market rent covers | about $175,000 |
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 Reno County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Reno County?
The most active investment-property lenders in Reno County in 2025 HMDA data were Peoples Bank and Trust Company, The First National Bank of Hutchinson and MERITRUST Federal Credit Union, out of 34 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 and matches each file to the one most likely to fund it.
Reno County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 173 loans and $15.9M from 34 lenders. Peoples Bank and Trust Company led Reno County with 58 loans, 33.5% of the county's total, and the average Reno County loan of $92K compares with $180K across Kansas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Peoples Bank and Trust Company | 58 | $5.3M | $91K | 43.1% |
| The First National Bank of Hutchinson | 26 | $2.3M | $89K | 76.9% |
| MERITRUST Federal Credit Union | 16 | $1.1M | $68K | 0.0% |
| HEARTLAND CREDIT UNION | 14 | $1.6M | $113K | 50.0% |
| RCB Bank | 9 | $0.4M | $49K | 33.3% |
| BPL MORTGAGE TRUST, LLC | 6 | $0.5M | $83K | 50.0% |
| American Mortgage Bank, LLC | 4 | $0.4M | $90K | 0.0% |
| GUILD MORTGAGE COMPANY | 4 | $0.4M | $90K | 0.0% |
| MERITRUST CREDIT UNION | 4 | $0.3M | $65K | 25.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | $0.2M | $75K | 33.3% |
| RE INVESTMENT LOANS LLC | 2 | $0.4M | $185K | 0.0% |
| Mid-America Bank | 2 | $0.2M | $115K | 100.0% |
| Conway Bank | 2 | $0.2M | $115K | 0.0% |
| Citizens Bank of Kansas | 2 | $0.2M | $105K | 100.0% |
| VALLEY STATE BANK | 2 | $0.1M | $60K | 0.0% |
| Gateway First Bank | 1 | $0.3M | $325K | 100.0% |
| AMERICAN FINANCING CORPORATION | 1 | $0.3M | $255K | 100.0% |
| Heritage Bank | 1 | $0.2M | $225K | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 1 | $0.2M | $155K | 0.0% |
| Bridgeway Lending Partners LLC | 1 | $0.2M | $155K | 100.0% |
| Envista Credit Union | 1 | $0.1M | $115K | 100.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | $0.1M | $115K | 100.0% |
| BETTER MORTGAGE CORPORATION | 1 | $0.1M | $115K | 100.0% |
| Ally Bank | 1 | $0.1M | $105K | 100.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 1 | $0.1M | $105K | 100.0% |
139 Kansas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Reno County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Reno County CSV, all 25 lenders
What Reno County's table can't show you: fit. Short-term financing is exempt from HMDA, so Reno County's fix-and-flip and bridge lenders barely appear among its 34 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 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 Reno County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Reno County |
|---|---|---|---|
| Sedgwick County, KS | 1,658 | 152 | Borders Reno County |
| Butler County, KS | 228 | 48 | About 70 miles away |
| Garfield County, OK | 112 | 29 | About 110 miles away |
| Riley County, KS | 159 | 49 | About 120 miles away |
Run the coverage test on your Reno County, Kansas deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Reno County, Kansas 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 — Reno County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 34 lenders and 173 loans: 2025 HMDA loan-level data rolled up to Reno County.
- Reno County investor-lender dataset (CSV) — All 25 lenders in the Reno County, Kansas table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Reno 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 Reno County, KS.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Reno 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.