DSCR Loans in Scott County, Minnesota
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 71 lenders made 120 investment-property loans in Scott County, 2.0% of Minnesota's total. Dominick Prevete arranges DSCR loans across Scott County, Minnesota, 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 $335,000.
Scott County investor market at a glance
| Statistic | Scott County | Minnesota | County rank |
|---|---|---|---|
| Investor loans | 120 | 5,990 | 10th of 13 |
| Reporting lenders | 71 | 406 | 7th of 13 |
| Loan volume | $35.0M | $1.51B | 8th of 13 |
| Average loan | $292K | $251K | 3rd of 13 |
| Median loan | $245K | $215K | 3rd of 13 |
| Purchases | 75.8% | 69.5% | 3rd of 13 |
| Cash-out refinances | 7.5% | 9.0% | 8th of 13 |
| 2–4 unit properties | 10.8% | 17.8% | 10th of 13 |
| Top five lenders' share | 21.7% | 14.8% | 13th of 13 |
| Reported business-purpose | 52.5% | 50.7% | 7th of 13 |
Scott County: closed-end loans on 1–4 unit investment properties. Scott County's rank is highest first, among Minnesota'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 five most active lenders wrote 21.7% of Scott County's investor loans, the lowest share of Minnesota's 13 counties with published data (statewide: 14.8%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
The average investor loan in Scott County was $292K, the 3rd-highest average of Minnesota's 13 counties with published data (statewide: $251K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
75.8% of Scott County's investor loans were purchases, the 3rd-highest share of Minnesota's 13 counties with published data (statewide: 69.5%).
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.
Does a DSCR loan pencil in Scott County?
At HUD's fair market rent of $2,264 for a 3-bedroom in Scott County, Minnesota, a rental covers its full DSCR payment up to a purchase price of about $335,000, with 20% down at the 7.25% starting rate (November 2026). Scott County's median home value is $419,400; at that price the payment is $2,816 a month, so the property would need $2,825 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) | $1,734 / $2,264 / $2,538 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $419,400 |
| Median property taxes and effective rate | $4,230 (1.01% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,816 |
| Rent needed to cover that payment | $2,825 |
| Coverage of a 3-bedroom at fair market rent | 0.80 |
| Highest price a 3-bedroom at fair market rent covers | about $335,000 |
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 United Wholesale Mortgage; PULTE MORTGAGE LLC; and Kiavi Funding, Inc., out of 71 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: 120 loans and $35.0M from 71 lenders. United Wholesale Mortgage led Scott County with 7 loans, 5.8% of the county's total, and the average Scott County loan of $292K compares with $251K across Minnesota.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| United Wholesale Mortgage | 7 | $2.0M | $285K | 57.1% |
| PULTE MORTGAGE LLC | 5 | $1.3M | $259K | 100.0% |
| Kiavi Funding, Inc. | 5 | $1.2M | $237K | 100.0% |
| First Bank & Trust | 5 | $1.0M | $205K | 100.0% |
| LENNAR MORTGAGE, LLC | 4 | $1.2M | $310K | 100.0% |
| Park State Bank | 3 | $1.2M | $412K | 100.0% |
| Rocket Mortgage, LLC | 3 | $0.9M | $285K | 100.0% |
| Old National Bank | 3 | $0.8M | $258K | 0.0% |
| Bridgewater Bank | 3 | $0.7M | $222K | 66.7% |
| Choice Financial Group | 3 | $0.7M | $218K | 66.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | $0.5M | $152K | 66.7% |
| New Market Bank | 2 | $1.1M | $535K | 100.0% |
| HomeTown Bank | 2 | $0.7M | $355K | 100.0% |
| Wings Financial Credit Union | 2 | $0.7M | $325K | 100.0% |
| Prosperity Home Mortgage, LLC | 2 | $0.6M | $320K | 100.0% |
| Alerus Financial, National Association | 2 | $0.6M | $320K | 100.0% |
| First National Bank | 2 | $0.6M | $285K | 50.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | $0.5M | $265K | 100.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | $0.5M | $235K | 100.0% |
| Coulee Bank | 2 | $0.5M | $225K | 100.0% |
| EVERETT FINANCIAL, INC. | 2 | $0.4M | $200K | 100.0% |
| The Huntington National Bank | 2 | $0.4M | $190K | 50.0% |
| KIND LENDING, LLC | 2 | $0.4M | $190K | 50.0% |
| The Bank of Elk River | 2 | $0.3M | $150K | 0.0% |
| Wells Fargo Bank, National Association | 2 | $0.3M | $135K | 50.0% |
40 Minnesota loans (0.7%) 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 71 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 |
|---|---|---|---|
| Dakota County, MN | 421 | 129 | Borders Scott County |
| Hennepin County, MN | 1,532 | 218 | Borders Scott County |
| Ramsey County, MN | 583 | 139 | About 35 miles away |
| Washington County, MN | 271 | 86 | About 40 miles away |
| Wright County, MN | 103 | 57 | About 40 miles away |
| Blue Earth County, MN | 107 | 37 | About 50 miles away |
| Olmsted County, MN | 248 | 71 | About 70 miles away |
Run the coverage test on your Scott County, Minnesota deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Scott County, Minnesota 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 71 lenders and 120 loans: 2025 HMDA loan-level data rolled up to Scott County.
- Scott County investor-lender dataset (CSV) — All 25 lenders in the Scott County, Minnesota 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 Minneapolis-St. Paul-Bloomington, MN-WI HUD Metro FMR Area.
- 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.