DSCR Loans in Saratoga County, New York
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 56 lenders made 179 investment-property loans in Saratoga County, 0.8% of New York's total. Dominick Prevete arranges DSCR loans across Saratoga County, New York, 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 $285,000.
Saratoga County investor market at a glance
| Statistic | Saratoga County | New York | County rank |
|---|---|---|---|
| Investor loans | 179 | 22,268 | 23rd of 26 |
| Reporting lenders | 56 | 396 | 22nd of 26 |
| Loan volume | $53.4M | $11.65B | 19th of 26 |
| Average loan | $299K | $523K | 14th of 26 |
| Median loan | $245K | $405K | 14th of 26 |
| Purchases | 67.0% | 59.1% | 3rd of 26 |
| Cash-out refinances | 23.5% | 25.7% | 18th of 26 |
| 2–4 unit properties | 28.5% | 44.0% | 20th of 26 |
| Top five lenders' share | 27.4% | 22.4% | 21st of 26 |
| Reported business-purpose | 71.5% | 85.6% | 24th of 26 |
Saratoga County: closed-end loans on 1–4 unit investment properties. Saratoga County's rank is highest first, among New York's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Saratoga County's investor loans.
What stands out in Saratoga County
71.5% of Saratoga County's investor loans were reported as business-purpose, the 3rd-lowest share of New York's 26 counties with published data (statewide: 85.6%).
Fewer investor loans here were reported as business-purpose than in most of New York. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
67.0% of Saratoga County's investor loans were purchases, the 3rd-highest share of New York's 26 counties with published data (statewide: 59.1%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
The five most active lenders wrote 27.4% of Saratoga County's investor loans, the 6th-lowest share of New York's 26 counties with published data (statewide: 22.4%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
Does a DSCR loan pencil in Saratoga County?
At HUD's fair market rent of $2,039 for a 3-bedroom in Saratoga County, New York, a rental covers its full DSCR payment up to a purchase price of about $285,000, with 20% down at the 7.25% starting rate (November 2026). Saratoga County's median home value is $348,600; at that price the payment is $2,454 a month, so the property would need $2,475 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) | $1,711 / $2,039 / $2,249 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $348,600 |
| Median property taxes and effective rate | $4,875 (1.40% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,454 |
| Rent needed to cover that payment | $2,475 |
| Coverage of a 3-bedroom at fair market rent | 0.83 |
| Highest price a 3-bedroom at fair market rent covers | about $285,000 |
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 Saratoga County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Saratoga County?
The most active investment-property lenders in Saratoga County in 2025 HMDA data were Hometown Equity Mortgage, LLC; The Adirondack Trust Company; and HOMESTEAD FUNDING CORP., out of 56 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 several that reported in Saratoga County, and matches each file to the one most likely to fund it.
Saratoga County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 179 loans and $53.4M from 56 lenders. Hometown Equity Mortgage, LLC led Saratoga County with 11 loans, 6.1% of the county's total, and the average Saratoga County loan of $299K compares with $523K across New York.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Hometown Equity Mortgage, LLC | 11 | $4.1M | $377K | 27.3% |
| The Adirondack Trust Company | 10 | $6.8M | $682K | 80.0% |
| HOMESTEAD FUNDING CORP. | 10 | $2.8M | $276K | 100.0% |
| SEFCU SERVICES, LLC | 9 | $2.0M | $227K | 100.0% |
| Rocket Mortgage, LLC | 9 | $1.9M | $216K | 44.4% |
| Broker Solutions, Inc. | 7 | $1.9M | $278K | 85.7% |
| Ballston Spa National Bank | 7 | $1.9M | $268K | 85.7% |
| Community Bank, National Association | 6 | $1.6M | $273K | 50.0% |
| Loan Funder LLC | 6 | $1.5M | $257K | 100.0% |
| General Mortgage Capital Corporation | 6 | $1.4M | $233K | 83.3% |
| NBT Bank, National Association | 6 | $1.4M | $227K | 66.7% |
| TrustCo Bank | 6 | $1.2M | $193K | 83.3% |
| Glens Falls National Bank and Trust Company | 5 | $2.4M | $471K | 80.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 5 | $1.6M | $323K | 60.0% |
| Kiavi Funding, Inc. | 5 | $1.1M | $215K | 100.0% |
| Emporium TPO LLC | 4 | $1.6M | $388K | 75.0% |
| GUARANTEED RATE, INC. | 4 | $1.1M | $270K | 75.0% |
| Fairway Independent Mortgage Corporation | 4 | $0.9M | $235K | 75.0% |
| PREMIUM MORTGAGE CORPORATION | 4 | $0.9M | $223K | 75.0% |
| NEWREZ LLC | 3 | $0.8M | $258K | 100.0% |
| A&D Mortgage LLC | 3 | $0.6M | $215K | 33.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | $0.5M | $172K | 0.0% |
| SUNMARK CREDIT UNION | 3 | $0.5M | $155K | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | $0.9M | $450K | 0.0% |
| CONVENTUS LLC | 2 | $0.7M | $365K | 50.0% |
617 New York loans (2.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Saratoga County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Saratoga County CSV, all 25 lenders
What Saratoga County's table can't show you: fit. Short-term financing is exempt from HMDA, so Saratoga County's fix-and-flip and bridge lenders barely appear among its 56 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 several 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 Saratoga County, New York deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Saratoga County, New York 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 — Saratoga County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 56 lenders and 179 loans: 2025 HMDA loan-level data rolled up to Saratoga County.
- Saratoga County investor-lender dataset (CSV) — All 25 lenders in the Saratoga County, New York table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Saratoga 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 Albany-Schenectady-Troy, NY MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Saratoga 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.