DSCR Loans in Scott County, Iowa
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 70 lenders made 504 investment-property loans in Scott County, 8.7% of Iowa's total. Dominick Prevete arranges DSCR loans across Scott County, Iowa, 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 $195,000.
Scott County investor market at a glance
| Statistic | Scott County | Iowa | County rank |
|---|---|---|---|
| Investor loans | 504 | 5,822 | 3rd of 9 |
| Reporting lenders | 70 | 349 | 3rd of 9 |
| Loan volume | $64.0M | $896.7M | 4th of 9 |
| Average loan | $127K | $154K | 9th of 9 |
| Median loan | $105K | $125K | 8th of 9 |
| Purchases | 58.7% | 63.1% | 7th of 9 |
| Cash-out refinances | 7.9% | 5.5% | 2nd of 9 |
| 2–4 unit properties | 27.0% | 23.2% | 3rd of 9 |
| Top five lenders' share | 44.8% | 19.8% | 6th of 9 |
| Reported business-purpose | 48.0% | 47.3% | 4th of 9 |
Scott County: closed-end loans on 1–4 unit investment properties. Scott County's rank is highest first, among Iowa's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Scott County's investor loans.
What stands out in Scott County
The average investor loan in Scott County was $127K, the lowest average of Iowa's 9 counties with published data (statewide: $154K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
7.9% of Scott County's investor loans were cash-out refinances, the 2nd-highest share of Iowa's 9 counties with published data (statewide: 5.5%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
Does a DSCR loan pencil in Scott County?
At HUD's fair market rent of $1,396 for a 3-bedroom in Scott County, Iowa, a rental covers its full DSCR payment up to a purchase price of about $195,000, with 20% down at the 7.25% starting rate (November 2026). Scott County's median home value is $222,000; at that price the payment is $1,577 a month, so the property would need $1,600 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) | $1,056 / $1,396 / $1,697 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $222,000 |
| Median property taxes and effective rate | $3,273 (1.47% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,577 |
| Rent needed to cover that payment | $1,600 |
| Coverage of a 3-bedroom at fair market rent | 0.89 |
| Highest price a 3-bedroom at fair market rent covers | about $195,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $295,000 |
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 Scott County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Scott County?
The most active investment-property lenders in Scott County in 2025 HMDA data were Blue Grass Savings Bank, BANKORION and ASCENTRA Credit Union, out of 70 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 one that reported in Scott County, and matches each file to the one most likely to fund it.
Scott County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 504 loans and $64.0M from 70 lenders. Blue Grass Savings Bank led Scott County with 73 loans, 14.5% of the county's total, and the average Scott County loan of $127K compares with $154K across Iowa.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Blue Grass Savings Bank | 73 | $8.8M | $121K | 47.9% |
| BANKORION | 44 | $5.4M | $123K | 59.1% |
| ASCENTRA Credit Union | 44 | $5.1M | $116K | 31.8% |
| GREENSTATE Credit Union | 35 | $4.5M | $128K | 74.3% |
| Blackhawk Bank & Trust | 30 | $4.5M | $151K | 63.3% |
| RUHL MORTGAGE, LLC | 27 | $3.3M | $122K | 51.9% |
| First Central State Bank | 25 | $4.0M | $159K | 72.0% |
| CBI Bank & Trust | 20 | $2.8M | $139K | 50.0% |
| Kiavi Funding, Inc. | 16 | $2.0M | $123K | 18.8% |
| First Trust and Savings Bank | 16 | $1.6M | $98K | 37.5% |
| I. H. MISSISSIPPI VALLEY CREDIT UNION | 14 | $1.4M | $99K | 100.0% |
| Quad City Bank and Trust Company | 14 | $1.2M | $83K | 64.3% |
| LOWER, LLC | 11 | $1.9M | $173K | 81.8% |
| American Bank and Trust Company, National Association | 9 | $1.2M | $138K | 77.8% |
| Midwest Bank | 9 | $1.1M | $118K | 66.7% |
| BPL MORTGAGE TRUST, LLC | 8 | $0.9M | $113K | 75.0% |
| GUARANTEED RATE, INC. | 7 | $1.2M | $168K | 100.0% |
| U.S. Bank National Association | 7 | $0.8M | $116K | 57.1% |
| Rocket Mortgage, LLC | 7 | $0.5M | $72K | 42.9% |
| ZILLOW HOME LOANS, LLC | 5 | $0.4M | $83K | 100.0% |
| Du Trac Community Credit Union | 4 | $0.9M | $225K | 75.0% |
| United Wholesale Mortgage | 4 | $0.3M | $83K | 50.0% |
| Loan Funder LLC | 3 | $0.5M | $178K | 100.0% |
| DUPACO COMMUNITY | 3 | $0.5M | $168K | 100.0% |
| JPMorgan Chase Bank, National Association | 3 | $0.5M | $165K | 100.0% |
50 Iowa loans (0.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Scott County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Scott County CSV, all 25 lenders
What Scott County's table can't show you: fit. Short-term financing is exempt from HMDA, so Scott County's fix-and-flip and bridge lenders barely appear among its 70 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 →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 Scott County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Scott County |
|---|---|---|---|
| Rock Island County, IL | 364 | 47 | Borders Scott County |
| Johnson County, IA | 273 | 49 | About 50 miles away |
| Linn County, IA | 519 | 63 | About 60 miles away |
| Peoria County, IL | 390 | 67 | About 75 miles away |
Run the coverage test on your Scott County, Iowa deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Scott County, Iowa 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 — Scott County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 70 lenders and 504 loans: 2025 HMDA loan-level data rolled up to Scott County.
- Scott County investor-lender dataset (CSV) — All 25 lenders in the Scott County, Iowa table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Scott 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 Davenport-Moline-Rock Island, IA-IL MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Scott 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.