DSCR Loans in Sonoma 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, 123 lenders made 607 investment-property loans in Sonoma County, 1.1% of California's total. Dominick Prevete arranges DSCR loans across Sonoma 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 $600,000.
Sonoma County investor market at a glance
| Statistic | Sonoma County | California | County rank |
|---|---|---|---|
| Investor loans | 607 | 54,410 | 20th of 39 |
| Reporting lenders | 123 | 630 | 21st of 39 |
| Loan volume | $372.3M | $37.12B | 19th of 39 |
| Average loan | $613K | $682K | 13th of 39 |
| Median loan | $515K | $485K | 14th of 39 |
| Purchases | 51.2% | 51.1% | 21st of 39 |
| Cash-out refinances | 22.7% | 25.6% | 27th of 39 |
| 2–4 unit properties | 18.5% | 16.6% | 11th of 39 |
| Top five lenders' share | 26.7% | 23.2% | 30th of 39 |
| Reported business-purpose | 63.4% | 71.2% | 34th of 39 |
Sonoma County: closed-end loans on 1–4 unit investment properties. Sonoma County's rank is highest first, among California's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Sonoma County's investor loans.
What stands out in Sonoma County
63.4% of Sonoma County's investor loans were reported as business-purpose, the 6th-lowest share of California's 39 counties with published data (statewide: 71.2%).
Fewer investor loans here were reported as business-purpose than in most of California. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
Sonoma County's 607 investor loans ranked 20th of California's 39 counties with published data.
Does a DSCR loan pencil in Sonoma County?
At HUD's fair market rent of $3,903 for a 3-bedroom in Sonoma County, California, a rental covers its full DSCR payment up to a purchase price of about $600,000, with 20% down at the 7.25% starting rate (November 2026). Sonoma County's median home value is $815,500; at that price the payment is $5,265 a month, so the property would need $5,275 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) | $2,819 / $3,903 / $4,295 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $815,500 |
| Median property taxes and effective rate | $5,695 (0.70% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $5,265 |
| Rent needed to cover that payment | $5,275 |
| Coverage of a 3-bedroom at fair market rent | 0.74 |
| Highest price a 3-bedroom at fair market rent covers | about $600,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $870,000 |
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 Sonoma County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Sonoma County?
The most active investment-property lenders in Sonoma County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; HOMEXPRESS MORTGAGE CORP.; and Rocket Mortgage, LLC, out of 123 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 Sonoma County, and matches each file to the one most likely to fund it.
Sonoma County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 607 loans and $372.3M from 123 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Sonoma County with 42 loans, 6.9% of the county's total, and the average Sonoma County loan of $613K compares with $682K across California.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 42 | $20.3M | $483K | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 37 | $25.3M | $684K | 27.0% |
| Rocket Mortgage, LLC | 34 | $15.7M | $461K | 47.1% |
| REDWOOD | 26 | $8.8M | $337K | 50.0% |
| THE LOAN STORE, INC. | 23 | $11.6M | $505K | 65.2% |
| PENNYMAC LOAN SERVICES, LLC | 22 | $14.2M | $647K | 54.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 21 | $10.3M | $489K | 61.9% |
| Kiavi Funding, Inc. | 19 | $14.4M | $759K | 94.7% |
| First Bridge Funding, Inc. | 13 | $17.6M | $1350K | 46.2% |
| Broker Solutions, Inc. | 13 | $6.4M | $490K | 61.5% |
| GUARANTEED RATE, INC. | 12 | $11.6M | $968K | 75.0% |
| JMJ FINANCIAL GROUP | 11 | $11.3M | $1029K | 45.5% |
| OriginPoint, LLC | 11 | $8.2M | $741K | 54.5% |
| NEXERA HOLDING LLC | 11 | $5.9M | $540K | 45.5% |
| AMWEST FUNDING CORP. | 11 | $5.6M | $508K | 45.5% |
| U.S. Bank National Association | 10 | $6.7M | $665K | 40.0% |
| Loandepot.Com, LLC | 10 | $6.1M | $611K | 70.0% |
| Wells Fargo Bank, National Association | 9 | $4.5M | $501K | 44.4% |
| GUILD MORTGAGE COMPANY | 9 | $3.8M | $427K | 88.9% |
| KIND LENDING, LLC | 8 | $4.1M | $509K | 37.5% |
| NEWREZ LLC | 8 | $3.5M | $441K | 75.0% |
| CHAMPIONS FUNDING, LLC | 7 | $5.5M | $779K | 0.0% |
| JPMorgan Chase Bank, National Association | 7 | $5.2M | $745K | 85.7% |
| NexBank | 7 | $3.7M | $534K | 57.1% |
| GUARANTEED RATE AFFINITY, LLC | 7 | $3.0M | $422K | 85.7% |
1,726 California loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Sonoma County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Sonoma County CSV, all 25 lenders
What Sonoma County's table can't show you: fit. Short-term financing is exempt from HMDA, so Sonoma County's fix-and-flip and bridge lenders barely appear among its 123 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 Sonoma County, California deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Sonoma 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 — Sonoma County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 123 lenders and 607 loans: 2025 HMDA loan-level data rolled up to Sonoma County.
- Sonoma County investor-lender dataset (CSV) — All 25 lenders in the Sonoma County, California table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Sonoma 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 Santa Rosa-Petaluma, CA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Sonoma 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.