DSCR Loans in Riley County, Kansas
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 49 lenders made 159 investment-property loans in Riley County, 2.6% of Kansas's total. Dominick Prevete arranges DSCR loans across Riley 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 $215,000.
Riley County investor market at a glance
| Statistic | Riley County | Kansas | County rank |
|---|---|---|---|
| Investor loans | 159 | 6,189 | 8th of 9 |
| Reporting lenders | 49 | 354 | 7th of 9 |
| Loan volume | $30.3M | $1.11B | 7th of 9 |
| Average loan | $190K | $180K | 4th of 9 |
| Median loan | $165K | $135K | 3rd of 9 |
| Purchases | 61.0% | 57.5% | 4th of 9 |
| Cash-out refinances | 6.9% | 11.8% | 7th of 9 |
| 2–4 unit properties | 28.3% | 20.4% | 1st of 9 |
| Top five lenders' share | 54.7% | 18.4% | 2nd of 9 |
| Reported business-purpose | 40.9% | 58.9% | 8th of 9 |
Riley County: closed-end loans on 1–4 unit investment properties. Riley County's rank is highest first, among Kansas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Riley County's investor loans.
What stands out in Riley County
28.3% of Riley County's investor loans financed a 2–4 unit property, the highest share of Kansas's 9 counties with published data (statewide: 20.4%).
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.
40.9% of Riley County's investor loans were reported as business-purpose, the 2nd-lowest share of Kansas's 9 counties with published data (statewide: 58.9%).
Fewer investor loans here were reported as business-purpose than in most of Kansas. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
The five most active lenders wrote 54.7% of Riley County's investor loans, the 2nd-highest share of Kansas's 9 counties with published data (statewide: 18.4%).
Five lenders write 54.7% of the loans here, so comparing written term sheets matters more.
Does a DSCR loan pencil in Riley County?
At HUD's fair market rent of $1,533 for a 3-bedroom in Riley County, Kansas, a rental covers its full DSCR payment up to a purchase price of about $215,000, with 20% down at the 7.25% starting rate (November 2026). Riley County's median home value is $237,100; at that price the payment is $1,682 a month, so the property would need $1,700 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) | $1,107 / $1,533 / $1,850 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $237,100 |
| Median property taxes and effective rate | $3,466 (1.46% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,682 |
| Rent needed to cover that payment | $1,700 |
| Coverage of a 3-bedroom at fair market rent | 0.91 |
| Highest price a 3-bedroom at fair market rent covers | about $215,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $310,000 |
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 Riley County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Riley County?
The most active investment-property lenders in Riley County in 2025 HMDA data were Community First National Bank, Bank of the Flint Hills and KS StateBank, out of 49 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.
Riley County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 159 loans and $30.3M from 49 lenders. Community First National Bank led Riley County with 28 loans, 17.6% of the county's total, and the average Riley County loan of $190K compares with $180K across Kansas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Community First National Bank | 28 | $5.0M | $179K | 82.1% |
| Bank of the Flint Hills | 27 | $7.0M | $258K | 40.7% |
| KS StateBank | 12 | $2.0M | $163K | 83.3% |
| Outdoor Bank | 10 | $2.1M | $213K | 40.0% |
| ESB Financial | 10 | $1.5M | $149K | 30.0% |
| Riley State Bank | 6 | $1.1M | $183K | 33.3% |
| Landmark National Bank | 5 | $0.7M | $147K | 80.0% |
| Central National Bank | 4 | $0.4M | $90K | 50.0% |
| Exchange Bank | 3 | $0.6M | $215K | 66.7% |
| The Citizens State Bank of Cheney, Kansas | 3 | $0.6M | $195K | 100.0% |
| THE LOAN STORE, INC. | 3 | $0.4M | $135K | 33.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | $0.7M | $330K | 100.0% |
| The Farmers State Bank of Westmoreland | 2 | $0.5M | $270K | 50.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | $0.5M | $230K | 100.0% |
| KANSAS STATE UNIVERSITY Federal Credit Union | 2 | $0.4M | $210K | 50.0% |
| The Bennington State Bank | 2 | $0.4M | $210K | 0.0% |
| Rocket Mortgage, LLC | 2 | $0.4M | $205K | 0.0% |
| Emprise Bank | 2 | $0.4M | $205K | 100.0% |
| United Wholesale Mortgage | 2 | $0.4M | $180K | 100.0% |
| Fairway Independent Mortgage Corporation | 2 | $0.3M | $165K | 50.0% |
| Commerce Bank | 2 | $0.2M | $105K | 50.0% |
| Waterstone Mortgage Corporation | 1 | $0.3M | $315K | 100.0% |
| Heritage Bank | 1 | $0.3M | $285K | 100.0% |
| Sunflower Bank, National Association | 1 | $0.2M | $225K | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | $0.2M | $225K | 0.0% |
139 Kansas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Riley County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Riley County CSV, all 25 lenders
What Riley County's table can't show you: fit. Short-term financing is exempt from HMDA, so Riley County's fix-and-flip and bridge lenders barely appear among its 49 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 Riley County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Riley County |
|---|---|---|---|
| Shawnee County, KS | 482 | 57 | About 55 miles away |
| Douglas County, KS | 306 | 74 | About 80 miles away |
| Leavenworth County, KS | 131 | 57 | About 90 miles away |
| Lancaster County, NE | 824 | 104 | About 105 miles away |
| Butler County, KS | 228 | 48 | About 105 miles away |
| Reno County, KS | 173 | 34 | About 120 miles away |
Run the coverage test on your Riley County, Kansas deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Riley 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 — Riley County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 49 lenders and 159 loans: 2025 HMDA loan-level data rolled up to Riley County.
- Riley County investor-lender dataset (CSV) — All 25 lenders in the Riley County, Kansas table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Riley 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 Manhattan, KS HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Riley 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.