DSCR Loans in Riverside County, California
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 305 lenders made 3,837 investment-property loans in Riverside County, 7.1% of California's total. Dominick Prevete arranges DSCR loans across Riverside County, California, 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 $420,000.
Riverside County investor market at a glance
| Statistic | Riverside County | California | County rank |
|---|---|---|---|
| Investor loans | 3,837 | 54,410 | 4th of 39 |
| Reporting lenders | 305 | 630 | 2nd of 39 |
| Loan volume | $1.76B | $37.12B | 5th of 39 |
| Average loan | $458K | $682K | 21st of 39 |
| Median loan | $395K | $485K | 21st of 39 |
| Purchases | 56.0% | 51.1% | 12th of 39 |
| Cash-out refinances | 24.2% | 25.6% | 20th of 39 |
| 2–4 unit properties | 6.0% | 16.6% | 35th of 39 |
| Top five lenders' share | 27.1% | 23.2% | 28th of 39 |
| Reported business-purpose | 68.9% | 71.2% | 26th of 39 |
Riverside County: closed-end loans on 1–4 unit investment properties. Riverside County's rank is highest first, among California's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Riverside County's investor loans.
What stands out in Riverside County
6.0% of Riverside County's investor loans financed a 2–4 unit property, the 5th-lowest share of California's 39 counties with published data (statewide: 16.6%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Riverside County's 3,837 investor loans ranked 4th of California's 39 counties with published data.
Does a DSCR loan pencil in Riverside County?
At HUD's fair market rent of $2,771 for a 3-bedroom in Riverside County, California, a rental covers its full DSCR payment up to a purchase price of about $420,000, with 20% down at the 7.25% starting rate (November 2026). Riverside County's median home value is $557,300; at that price the payment is $3,636 a month, so the property would need $3,650 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) | $2,103 / $2,771 / $3,336 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $557,300 |
| Median property taxes and effective rate | $4,348 (0.78% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,636 |
| Rent needed to cover that payment | $3,650 |
| Coverage of a 3-bedroom at fair market rent | 0.76 |
| Highest price a 3-bedroom at fair market rent covers | about $420,000 |
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 Riverside County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Riverside County?
The most active investment-property lenders in Riverside County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Kiavi Funding, Inc.; and OCMBC, INC., out of 305 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 Riverside County, and matches each file to the one most likely to fund it.
Riverside County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 3,837 loans and $1.76B from 305 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Riverside County with 297 loans, 7.7% of the county's total, and the average Riverside County loan of $458K compares with $682K across California.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 297 | $116.1M | $391K | 50.8% |
| Kiavi Funding, Inc. | 224 | $105.1M | $469K | 91.1% |
| OCMBC, INC. | 197 | $77.7M | $394K | 43.1% |
| THE LOAN STORE, INC. | 165 | $70.2M | $426K | 57.6% |
| Rocket Mortgage, LLC | 157 | $58.4M | $372K | 45.2% |
| PENNYMAC LOAN SERVICES, LLC | 90 | $41.2M | $458K | 57.8% |
| Loandepot.Com, LLC | 77 | $35.2M | $457K | 88.3% |
| HOMEXPRESS MORTGAGE CORP. | 70 | $30.6M | $438K | 45.7% |
| FRANKLIN LOAN CORPORATION | 65 | $27.4M | $421K | 61.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 57 | $32.4M | $569K | 57.9% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 55 | $26.5M | $482K | 96.4% |
| AMWEST FUNDING CORP. | 53 | $19.1M | $360K | 43.4% |
| KIND LENDING, LLC | 52 | $21.8M | $419K | 65.4% |
| Citadel Servicing Corporation | 51 | $22.1M | $433K | 47.1% |
| CHAMPIONS FUNDING, LLC | 49 | $24.7M | $504K | 53.1% |
| LENNAR MORTGAGE, LLC | 48 | $19.2M | $400K | 97.9% |
| NEWREZ LLC | 47 | $19.4M | $414K | 51.1% |
| Hometown Equity Mortgage, LLC | 46 | $23.2M | $505K | 45.7% |
| East West Bank | 46 | $18.7M | $406K | 78.3% |
| Commerce Home Mortgage, Inc. | 45 | $23.6M | $525K | 60.0% |
| U.S. Bank National Association | 43 | $21.1M | $492K | 46.5% |
| JPMorgan Chase Bank, National Association | 42 | $26.0M | $620K | 54.8% |
| Easy Street Capital, LLC | 42 | $19.5M | $464K | 0.0% |
| Genesis Capital, LLC | 38 | $40.3M | $1061K | 71.1% |
| AAA CAPITAL INVESTMENT, INC. | 34 | $13.8M | $405K | 52.9% |
1,726 California loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Riverside County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Riverside County CSV, all 25 lenders
What Riverside County's table can't show you: fit. Short-term financing is exempt from HMDA, so Riverside County's fix-and-flip and bridge lenders barely appear among its 305 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 Riverside County, California deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Riverside County, California 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 — Riverside County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 305 lenders and 3,837 loans: 2025 HMDA loan-level data rolled up to Riverside County.
- Riverside County investor-lender dataset (CSV) — All 25 lenders in the Riverside County, California table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Riverside 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 Riverside-San Bernardino-Ontario, CA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Riverside 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.