DSCR Loans in Scott County, Kentucky
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 44 lenders made 116 investment-property loans in Scott County, 1.5% of Kentucky's total. Dominick Prevete arranges DSCR loans across Scott County, Kentucky, 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 $300,000.
Scott County investor market at a glance
| Statistic | Scott County | Kentucky | County rank |
|---|---|---|---|
| Investor loans | 116 | 7,902 | 13th of 14 |
| Reporting lenders | 44 | 369 | 9th of 14 |
| Loan volume | $27.7M | $1.53B | 12th of 14 |
| Average loan | $239K | $193K | 3rd of 14 |
| Median loan | $230K | $155K | 1st of 14 |
| Purchases | 75.9% | 58.5% | 1st of 14 |
| Cash-out refinances | 8.6% | 12.4% | 9th of 14 |
| 2–4 unit properties | 7.8% | 19.3% | 14th of 14 |
| Top five lenders' share | 48.3% | 15.4% | 8th of 14 |
| Reported business-purpose | 80.2% | 60.6% | 2nd of 14 |
Scott County: closed-end loans on 1–4 unit investment properties. Scott County's rank is highest first, among Kentucky'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
75.9% of Scott County's investor loans were purchases, the highest share of Kentucky's 14 counties with published data (statewide: 58.5%).
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 median investor loan in Scott County was $230K, the highest median of Kentucky's 14 counties with published data (statewide: $155K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
7.8% of Scott County's investor loans financed a 2–4 unit property, the lowest share of Kentucky's 14 counties with published data (statewide: 19.3%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Does a DSCR loan pencil in Scott County?
At HUD's fair market rent of $1,948 for a 3-bedroom in Scott County, Kentucky, a rental covers its full DSCR payment up to a purchase price of about $300,000, with 20% down at the 7.25% starting rate (November 2026). Scott County's median home value is $288,500; at that price the payment is $1,854 a month, so the property would need $1,875 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,416 / $1,948 / $2,108 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $288,500 |
| Median property taxes and effective rate | $1,908 (0.66% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,854 |
| Rent needed to cover that payment | $1,875 |
| Coverage of a 3-bedroom at fair market rent | 1.05 |
| Highest price a 3-bedroom at fair market rent covers | about $300,000 |
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 SOUTH CENTRAL BANK, INC.; Peoples Exchange Bank; and Central Bank & Trust Company, out of 44 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: 116 loans and $27.7M from 44 lenders. SOUTH CENTRAL BANK, INC. led Scott County with 29 loans, 25.0% of the county's total, and the average Scott County loan of $239K compares with $193K across Kentucky.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| SOUTH CENTRAL BANK, INC. | 29 | $8.6M | $295K | 100.0% |
| Peoples Exchange Bank | 10 | $3.2M | $324K | 70.0% |
| Central Bank & Trust Company | 7 | $1.3M | $182K | 71.4% |
| The Monticello Banking Company | 5 | $1.4M | $275K | 100.0% |
| Stock Yards Bank & Trust Company | 5 | $1.2M | $233K | 80.0% |
| COMMONWEALTH | 5 | $1.1M | $223K | 0.0% |
| Traditional Bank, Inc. | 4 | $1.0M | $248K | 100.0% |
| Community Trust Bank, Inc. | 3 | $0.7M | $228K | 66.7% |
| City National Bank of West Virginia | 3 | $0.5M | $175K | 33.3% |
| Bank of the Bluegrass and Trust Company | 3 | $0.4M | $145K | 100.0% |
| Bank of Lexington, Inc. | 2 | $0.5M | $265K | 100.0% |
| Kiavi Funding, Inc. | 2 | $0.5M | $230K | 50.0% |
| Whitaker Bank | 2 | $0.5M | $230K | 50.0% |
| United Wholesale Mortgage | 2 | $0.5M | $225K | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | $0.4M | $215K | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | $0.4M | $180K | 100.0% |
| PANORAMA MORTGAGE GROUP, LLC | 2 | $0.3M | $155K | 100.0% |
| Rocket Mortgage, LLC | 2 | $0.3M | $140K | 0.0% |
| First State Bank | 1 | $0.4M | $415K | 100.0% |
| Northpointe Bank | 1 | $0.3M | $285K | 0.0% |
| Tomo Mortgage, LLC | 1 | $0.3M | $265K | 100.0% |
| LOWER, LLC | 1 | $0.3M | $265K | 100.0% |
| Cumberland Valley National Bank & Trust Company | 1 | $0.3M | $255K | 0.0% |
| FIELD & MAIN BANK, INC. | 1 | $0.2M | $235K | 100.0% |
| WesBanco Bank, Inc. | 1 | $0.2M | $235K | 100.0% |
117 Kentucky loans (1.5%) 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 44 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 |
|---|---|---|---|
| Fayette County, KY | 793 | 126 | Borders Scott County |
| Jessamine County, KY | 142 | 38 | About 30 miles away |
| Madison County, KY | 155 | 53 | About 40 miles away |
| Kenton County, KY | 396 | 88 | About 45 miles away |
| Jefferson County, KY | 1,842 | 182 | About 60 miles away |
Run the coverage test on your Scott County, Kentucky deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Scott County, Kentucky 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 44 lenders and 116 loans: 2025 HMDA loan-level data rolled up to Scott County.
- Scott County investor-lender dataset (CSV) — All 25 lenders in the Scott County, Kentucky 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 Lexington-Fayette, KY 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.