DSCR Loans in St. Tammany Parish, Louisiana
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 85 lenders made 354 investment-property loans in St. Tammany Parish, 4.3% of Louisiana's total. Dominick Prevete arranges DSCR loans across St. Tammany Parish, Louisiana, 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 $265,000.
St. Tammany Parish investor market at a glance
| Statistic | St. Tammany Parish | Louisiana | County rank |
|---|---|---|---|
| Investor loans | 354 | 8,254 | 7th of 17 |
| Reporting lenders | 85 | 337 | 5th of 17 |
| Loan volume | $74.4M | $1.46B | 6th of 17 |
| Average loan | $210K | $177K | 4th of 17 |
| Median loan | $165K | $125K | 3rd of 17 |
| Purchases | 54.5% | 47.7% | 4th of 17 |
| Cash-out refinances | 15.0% | 13.1% | 4th of 17 |
| 2–4 unit properties | 12.4% | 23.6% | 14th of 17 |
| Top five lenders' share | 35.6% | 16.0% | 10th of 17 |
| Reported business-purpose | 56.5% | 46.3% | 4th of 17 |
St. Tammany Parish: closed-end loans on 1–4 unit investment properties. St. Tammany Parish's rank is highest first, among Louisiana's counties with at least 100 investor loans and 25 reporting lenders. Shares are of St. Tammany Parish's investor loans.
What stands out in St. Tammany Parish
The median investor loan in St. Tammany Parish was $165K, the 3rd-highest median of Louisiana's 17 counties with published data (statewide: $125K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
12.4% of St. Tammany Parish's investor loans financed a 2–4 unit property, the 4th-lowest share of Louisiana's 17 counties with published data (statewide: 23.6%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
54.5% of St. Tammany Parish's investor loans were purchases, the 4th-highest share of Louisiana's 17 counties with published data (statewide: 47.7%).
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 St. Tammany Parish?
At HUD's fair market rent of $1,745 for a 3-bedroom in St. Tammany Parish, Louisiana, a rental covers its full DSCR payment up to a purchase price of about $265,000, with 20% down at the 7.25% starting rate (November 2026). St. Tammany Parish's median home value is $284,000; at that price the payment is $1,837 a month, so the property would need $1,850 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) | $1,354 / $1,745 / $1,997 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $284,000 |
| Median property taxes and effective rate | $2,028 (0.71% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,837 |
| Rent needed to cover that payment | $1,850 |
| Coverage of a 3-bedroom at fair market rent | 0.95 |
| Highest price a 3-bedroom at fair market rent covers | about $265,000 |
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 St. Tammany Parish's numbers in the calculator below →
Who are the DSCR and investment-property lenders in St. Tammany Parish?
The most active investment-property lenders in St. Tammany Parish in 2025 HMDA data were Resource Bank, Gulf Coast Bank and Trust Company and United Wholesale Mortgage, out of 85 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 St. Tammany Parish, and matches each file to the one most likely to fund it.
St. Tammany Parish's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 354 loans and $74.4M from 85 lenders. Resource Bank led St. Tammany Parish with 50 loans, 14.1% of the county's total, and the average St. Tammany Parish loan of $210K compares with $177K across Louisiana.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Resource Bank | 50 | $9.3M | $187K | 60.0% |
| Gulf Coast Bank and Trust Company | 27 | $8.3M | $308K | 74.1% |
| United Wholesale Mortgage | 17 | $2.8M | $164K | 58.8% |
| BankPlus | 16 | $3.0M | $188K | 25.0% |
| DEEPHAVEN MORTGAGE LLC | 16 | $2.8M | $176K | 25.0% |
| Citizens Savings Bank | 13 | $2.6M | $199K | 53.8% |
| GMFS LLC | 10 | $2.5M | $254K | 60.0% |
| EUSTIS MORTGAGE CORPORATION | 10 | $2.1M | $210K | 40.0% |
| Citizens Bank & Trust Company | 8 | $1.7M | $209K | 75.0% |
| NEWREZ LLC | 8 | $1.3M | $168K | 25.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 8 | $1.3M | $168K | 37.5% |
| Commerce Home Mortgage, Inc. | 7 | $1.7M | $248K | 28.6% |
| FIDELITY BANK | 7 | $1.6M | $226K | 85.7% |
| Loansteady LLC | 7 | $1.5M | $219K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 7 | $1.4M | $198K | 100.0% |
| Bank of Louisiana | 7 | $0.9M | $124K | 14.3% |
| First American Bank and Trust | 6 | $0.7M | $122K | 66.7% |
| MOVEMENT MORTGAGE, LLC | 5 | $1.0M | $205K | 80.0% |
| AAA CAPITAL INVESTMENT, INC. | 5 | $0.7M | $133K | 0.0% |
| Rocket Mortgage, LLC | 5 | $0.7M | $133K | 0.0% |
| Home Bank, National Association | 4 | $1.3M | $323K | 25.0% |
| JPMorgan Chase Bank, National Association | 4 | $0.9M | $215K | 75.0% |
| HANCOCK WHITNEY BANK | 4 | $0.6M | $145K | 50.0% |
| South Louisiana Bank | 4 | $0.6M | $143K | 100.0% |
| Heritage Bank of St Tammany | 4 | $0.5M | $130K | 75.0% |
136 Louisiana loans (1.6%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for St. Tammany Parish: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · St. Tammany Parish CSV, all 25 lenders
What St. Tammany Parish's table can't show you: fit. Short-term financing is exempt from HMDA, so St. Tammany Parish's fix-and-flip and bridge lenders barely appear among its 85 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 St. Tammany Parish with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from St. Tammany Parish |
|---|---|---|---|
| Tangipahoa Parish, LA | 160 | 58 | Borders St. Tammany Parish |
| Hancock County, MS | 134 | 64 | Borders St. Tammany Parish |
| Orleans Parish, LA | 959 | 149 | Borders St. Tammany Parish |
| Jefferson Parish, LA | 651 | 113 | Borders St. Tammany Parish |
| Livingston Parish, LA | 125 | 56 | About 45 miles away |
| Harrison County, MS | 450 | 89 | About 50 miles away |
| Lamar County, MS | 103 | 28 | About 60 miles away |
Run the coverage test on your St. Tammany Parish, Louisiana deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a St. Tammany Parish, Louisiana 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 — St. Tammany Parish's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 85 lenders and 354 loans: 2025 HMDA loan-level data rolled up to St. Tammany Parish.
- St. Tammany Parish investor-lender dataset (CSV) — All 25 lenders in the St. Tammany Parish, Louisiana table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — St. Tammany Parish'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 Slidell-Mandeville-Covington, LA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — St. Tammany Parish'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.