DSCR Loans in Solano 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, 127 lenders made 514 investment-property loans in Solano County, 0.9% of California's total. Dominick Prevete arranges DSCR loans across Solano 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 $465,000.
Solano County investor market at a glance
| Statistic | Solano County | California | County rank |
|---|---|---|---|
| Investor loans | 514 | 54,410 | 21st of 39 |
| Reporting lenders | 127 | 630 | 18th of 39 |
| Loan volume | $190.9M | $37.12B | 24th of 39 |
| Average loan | $371K | $682K | 27th of 39 |
| Median loan | $355K | $485K | 24th of 39 |
| Purchases | 51.0% | 51.1% | 23rd of 39 |
| Cash-out refinances | 27.2% | 25.6% | 13th of 39 |
| 2–4 unit properties | 13.4% | 16.6% | 23rd of 39 |
| Top five lenders' share | 29.6% | 23.2% | 20th of 39 |
| Reported business-purpose | 69.1% | 71.2% | 25th of 39 |
Solano County: closed-end loans on 1–4 unit investment properties. Solano County's rank is highest first, among California's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Solano County's investor loans.
What stands out in Solano County
Solano County's 514 investor loans ranked 21st of California's 39 counties with published data.
Does a DSCR loan pencil in Solano County?
At HUD's fair market rent of $3,053 for a 3-bedroom in Solano County, California, a rental covers its full DSCR payment up to a purchase price of about $465,000, with 20% down at the 7.25% starting rate (November 2026). Solano County's median home value is $617,700; at that price the payment is $4,014 a month, so the property would need $4,025 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) | $2,342 / $3,053 / $3,483 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $617,700 |
| Median property taxes and effective rate | $4,621 (0.75% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $4,014 |
| Rent needed to cover that payment | $4,025 |
| Coverage of a 3-bedroom at fair market rent | 0.76 |
| Highest price a 3-bedroom at fair market rent covers | about $465,000 |
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 Solano County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Solano County?
The most active investment-property lenders in Solano County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Kiavi Funding, Inc.; and Rocket Mortgage, LLC, out of 127 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 Solano County, and matches each file to the one most likely to fund it.
Solano County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 514 loans and $190.9M from 127 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Solano County with 47 loans, 9.1% of the county's total, and the average Solano County loan of $371K compares with $682K across California.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 47 | $18.1M | $386K | 44.7% |
| Kiavi Funding, Inc. | 41 | $16.5M | $403K | 100.0% |
| Rocket Mortgage, LLC | 29 | $10.3M | $356K | 31.0% |
| THE LOAN STORE, INC. | 20 | $7.5M | $377K | 50.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 15 | $6.9M | $460K | 93.3% |
| NEXERA HOLDING LLC | 14 | $5.3M | $379K | 42.9% |
| OCMBC, INC. | 14 | $5.3M | $378K | 28.6% |
| Fidelity Lending Solutions, Inc. | 14 | $4.2M | $299K | 0.0% |
| KIND LENDING, LLC | 13 | $5.4M | $417K | 53.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 13 | $4.4M | $338K | 53.8% |
| PENNYMAC LOAN SERVICES, LLC | 12 | $5.5M | $460K | 50.0% |
| GUARANTEED RATE, INC. | 11 | $3.8M | $349K | 63.6% |
| HOMEXPRESS MORTGAGE CORP. | 11 | $3.8M | $348K | 9.1% |
| Loandepot.Com, LLC | 8 | $3.1M | $391K | 75.0% |
| NEWREZ LLC | 8 | $2.5M | $318K | 0.0% |
| CLEAREDGE LENDING LLC | 8 | $2.1M | $268K | 87.5% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 7 | $3.6M | $516K | 85.7% |
| Broker Solutions, Inc. | 6 | $2.6M | $435K | 66.7% |
| Bank of America, National Association | 6 | $2.3M | $383K | 33.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 6 | $2.0M | $327K | 50.0% |
| JPMorgan Chase Bank, National Association | 6 | $1.9M | $322K | 33.3% |
| Wells Fargo Bank, National Association | 6 | $1.6M | $270K | 66.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 5 | $2.0M | $409K | 20.0% |
| Citadel Servicing Corporation | 5 | $2.0M | $393K | 100.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 5 | $1.9M | $387K | 80.0% |
1,726 California loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Solano County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Solano County CSV, all 25 lenders
What Solano County's table can't show you: fit. Short-term financing is exempt from HMDA, so Solano County's fix-and-flip and bridge lenders barely appear among its 127 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 Solano County, California deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Solano 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 — Solano County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 127 lenders and 514 loans: 2025 HMDA loan-level data rolled up to Solano County.
- Solano County investor-lender dataset (CSV) — All 25 lenders in the Solano County, California table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Solano 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 Vallejo, CA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Solano 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.