DSCR Loans in Sacramento County, California
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, 239 lenders made 2,688 investment-property loans in Sacramento County, 4.9% of California's total. Dominick Prevete arranges DSCR loans across Sacramento 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 $445,000.
Sacramento County investor market at a glance
| Statistic | Sacramento County | California | County rank |
|---|---|---|---|
| Investor loans | 2,688 | 54,410 | 6th of 39 |
| Reporting lenders | 239 | 630 | 6th of 39 |
| Loan volume | $1.00B | $37.12B | 8th of 39 |
| Average loan | $373K | $682K | 26th of 39 |
| Median loan | $355K | $485K | 24th of 39 |
| Purchases | 58.9% | 51.1% | 8th of 39 |
| Cash-out refinances | 19.1% | 25.6% | 35th of 39 |
| 2–4 unit properties | 15.1% | 16.6% | 18th of 39 |
| Top five lenders' share | 38.8% | 23.2% | 6th of 39 |
| Reported business-purpose | 61.8% | 71.2% | 35th of 39 |
Sacramento County: closed-end loans on 1–4 unit investment properties. Sacramento County's rank is highest first, among California's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Sacramento County's investor loans.
What stands out in Sacramento County
61.8% of Sacramento County's investor loans were reported as business-purpose, the 5th-lowest share of California's 39 counties with published data (statewide: 71.2%).
Fewer investor loans here were reported as business-purpose than in most of California. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
19.1% of Sacramento County's investor loans were cash-out refinances, the 5th-lowest share of California's 39 counties with published data (statewide: 25.6%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
The five most active lenders wrote 38.8% of Sacramento County's investor loans, the 6th-highest share of California's 39 counties with published data (statewide: 23.2%).
Five lenders write 38.8% of the loans here, so comparing written term sheets matters more.
Does a DSCR loan pencil in Sacramento County?
At HUD's fair market rent of $2,887 for a 3-bedroom in Sacramento County, California, a rental covers its full DSCR payment up to a purchase price of about $445,000, with 20% down at the 7.25% starting rate (November 2026). Sacramento County's median home value is $534,200; at that price the payment is $3,465 a month, so the property would need $3,475 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) | $2,201 / $2,887 / $3,329 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $534,200 |
| Median property taxes and effective rate | $3,921 (0.73% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,465 |
| Rent needed to cover that payment | $3,475 |
| Coverage of a 3-bedroom at fair market rent | 0.83 |
| Highest price a 3-bedroom at fair market rent covers | about $445,000 |
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 Sacramento County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Sacramento County?
The most active investment-property lenders in Sacramento County in 2025 HMDA data were THE LOAN STORE, INC.; UNITED SHORE FINANCIAL SERVICES, LLC; and Kiavi Funding, Inc., out of 239 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 Sacramento County, and matches each file to the one most likely to fund it.
Sacramento County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 2,688 loans and $1.00B from 239 lenders. THE LOAN STORE, INC. led Sacramento County with 272 loans, 10.1% of the county's total, and the average Sacramento County loan of $373K compares with $682K across California.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| THE LOAN STORE, INC. | 272 | $101.9M | $375K | 43.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 251 | $84.6M | $337K | 48.6% |
| Kiavi Funding, Inc. | 196 | $79.7M | $406K | 95.9% |
| LENNAR MORTGAGE, LLC | 171 | $70.1M | $410K | 100.0% |
| Rocket Mortgage, LLC | 152 | $54.1M | $356K | 48.7% |
| PENNYMAC LOAN SERVICES, LLC | 106 | $42.3M | $399K | 53.8% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 85 | $38.2M | $449K | 90.6% |
| OCMBC, INC. | 54 | $19.1M | $353K | 35.2% |
| HOMEXPRESS MORTGAGE CORP. | 46 | $17.9M | $390K | 50.0% |
| General Mortgage Capital Corporation | 44 | $15.7M | $357K | 50.0% |
| CHAMPIONS FUNDING, LLC | 41 | $16.7M | $406K | 43.9% |
| CONVENTUS LLC | 36 | $16.6M | $462K | 75.0% |
| KIND LENDING, LLC | 35 | $10.9M | $313K | 42.9% |
| Loandepot.Com, LLC | 31 | $11.2M | $360K | 67.7% |
| JPMorgan Chase Bank, National Association | 28 | $10.4M | $371K | 60.7% |
| GUILD MORTGAGE COMPANY | 28 | $8.6M | $306K | 67.9% |
| U.S. Bank National Association | 27 | $11.3M | $419K | 77.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 27 | $10.5M | $388K | 77.8% |
| Wells Fargo Bank, National Association | 26 | $9.3M | $357K | 80.8% |
| AMWEST FUNDING CORP. | 26 | $8.6M | $330K | 53.8% |
| Taylor Morrison Home Funding, Inc. | 24 | $10.5M | $436K | 100.0% |
| Hometown Equity Mortgage, LLC | 24 | $10.2M | $425K | 62.5% |
| JMAC LENDING, INC. | 23 | $7.6M | $330K | 47.8% |
| KBHS HOME LOANS, LLC | 22 | $8.9M | $407K | 100.0% |
| NEXERA HOLDING LLC | 22 | $6.8M | $309K | 50.0% |
1,726 California loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Sacramento County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Sacramento County CSV, all 25 lenders
What Sacramento County's table can't show you: fit. Short-term financing is exempt from HMDA, so Sacramento County's fix-and-flip and bridge lenders barely appear among its 239 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 Sacramento County, California deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Sacramento 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 — Sacramento County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 239 lenders and 2,688 loans: 2025 HMDA loan-level data rolled up to Sacramento County.
- Sacramento County investor-lender dataset (CSV) — All 25 lenders in the Sacramento County, California table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Sacramento 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 Sacramento--Roseville--Arden-Arcade, CA HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Sacramento 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.