DSCR Loans in Shasta 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, 76 lenders made 203 investment-property loans in Shasta County, 0.4% of California's total. Dominick Prevete arranges DSCR loans across Shasta 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 $335,000.
Shasta County investor market at a glance
| Statistic | Shasta County | California | County rank |
|---|---|---|---|
| Investor loans | 203 | 54,410 | 32nd of 39 |
| Reporting lenders | 76 | 630 | 30th of 39 |
| Loan volume | $51.0M | $37.12B | 34th of 39 |
| Average loan | $251K | $682K | 37th of 39 |
| Median loan | $245K | $485K | 35th of 39 |
| Purchases | 60.1% | 51.1% | 5th of 39 |
| Cash-out refinances | 25.6% | 25.6% | 18th of 39 |
| 2–4 unit properties | 15.3% | 16.6% | 17th of 39 |
| Top five lenders' share | 30.0% | 23.2% | 19th of 39 |
| Reported business-purpose | 73.4% | 71.2% | 11th of 39 |
Shasta County: closed-end loans on 1–4 unit investment properties. Shasta County's rank is highest first, among California's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Shasta County's investor loans.
What stands out in Shasta County
The average investor loan in Shasta County was $251K, the 3rd-lowest average of California's 39 counties with published data (statewide: $682K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
60.1% of Shasta County's investor loans were purchases, the 5th-highest share of California's 39 counties with published data (statewide: 51.1%).
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.
Does a DSCR loan pencil in Shasta County?
At HUD's fair market rent of $2,189 for a 3-bedroom in Shasta County, California, 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). Shasta County's median home value is $366,400; at that price the payment is $2,364 a month, so the property would need $2,375 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) | $1,581 / $2,189 / $2,643 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $366,400 |
| Median property taxes and effective rate | $2,542 (0.69% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,364 |
| Rent needed to cover that payment | $2,375 |
| Coverage of a 3-bedroom at fair market rent | 0.93 |
| 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 Shasta County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Shasta County?
The most active investment-property lenders in Shasta County in 2025 HMDA data were MORTGAGEONE, INC.; INFINITY EQUITY GROUP, LLC.; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 76 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 Shasta County, and matches each file to the one most likely to fund it.
Shasta County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 203 loans and $51.0M from 76 lenders. MORTGAGEONE, INC. led Shasta County with 16 loans, 7.9% of the county's total, and the average Shasta County loan of $251K compares with $682K across California.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| MORTGAGEONE, INC. | 16 | $4.3M | $270K | 56.2% |
| INFINITY EQUITY GROUP, LLC. | 13 | $3.2M | $243K | 69.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 11 | $2.9M | $260K | 45.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 11 | $2.8M | $257K | 81.8% |
| Rocket Mortgage, LLC | 10 | $2.3M | $225K | 70.0% |
| HOMEXPRESS MORTGAGE CORP. | 8 | $2.2M | $280K | 62.5% |
| Kiavi Funding, Inc. | 8 | $1.7M | $211K | 75.0% |
| DOMINION FINANCIAL SERVICES, LLC | 6 | $1.5M | $253K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 5 | $1.3M | $257K | 80.0% |
| THE LOAN STORE, INC. | 5 | $1.0M | $205K | 20.0% |
| NFM, INC. | 5 | $1.0M | $205K | 60.0% |
| KIND LENDING, LLC | 4 | $1.1M | $275K | 50.0% |
| GUILD MORTGAGE COMPANY | 4 | $1.0M | $253K | 75.0% |
| SUMMIT FUNDING, INC. | 4 | $1.0M | $245K | 50.0% |
| CLEAREDGE LENDING LLC | 4 | $0.9M | $238K | 100.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 4 | $0.8M | $193K | 75.0% |
| Tri Counties Bank | 4 | $0.6M | $148K | 25.0% |
| U.S. Bank National Association | 3 | $1.0M | $342K | 100.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | $0.9M | $288K | 66.7% |
| CHAMPIONS FUNDING, LLC | 3 | $0.9M | $288K | 33.3% |
| AMWEST FUNDING CORP. | 3 | $0.6M | $192K | 100.0% |
| Citadel Servicing Corporation | 3 | $0.6M | $185K | 66.7% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | $0.8M | $390K | 50.0% |
| PENNYMAC LOAN SERVICES, LLC | 2 | $0.8M | $375K | 100.0% |
| CV3 FINANCIAL SERVICES, LLC | 2 | $0.7M | $340K | 100.0% |
1,726 California loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Shasta County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Shasta County CSV, all 25 lenders
What Shasta County's table can't show you: fit. Short-term financing is exempt from HMDA, so Shasta County's fix-and-flip and bridge lenders barely appear among its 76 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 Shasta County, California deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Shasta 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 — Shasta County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 76 lenders and 203 loans: 2025 HMDA loan-level data rolled up to Shasta County.
- Shasta County investor-lender dataset (CSV) — All 25 lenders in the Shasta County, California table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Shasta 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 Redding, CA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Shasta 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.