DSCR Loans in Tangipahoa Parish, Louisiana
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, 58 lenders made 160 investment-property loans in Tangipahoa Parish, 1.9% of Louisiana's total. Dominick Prevete arranges DSCR loans across Tangipahoa 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 $220,000.
Tangipahoa Parish investor market at a glance
| Statistic | Tangipahoa Parish | Louisiana | County rank |
|---|---|---|---|
| Investor loans | 160 | 8,254 | 13th of 17 |
| Reporting lenders | 58 | 337 | 8th of 17 |
| Loan volume | $39.7M | $1.46B | 10th of 17 |
| Average loan | $248K | $177K | 2nd of 17 |
| Median loan | $155K | $125K | 5th of 17 |
| Purchases | 54.4% | 47.7% | 5th of 17 |
| Cash-out refinances | 21.9% | 13.1% | 2nd of 17 |
| 2–4 unit properties | 18.1% | 23.6% | 11th of 17 |
| Top five lenders' share | 37.5% | 16.0% | 9th of 17 |
| Reported business-purpose | 61.3% | 46.3% | 3rd of 17 |
Tangipahoa Parish: closed-end loans on 1–4 unit investment properties. Tangipahoa Parish's rank is highest first, among Louisiana's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Tangipahoa Parish's investor loans.
What stands out in Tangipahoa Parish
The average investor loan in Tangipahoa Parish was $248K, the 2nd-highest average of Louisiana's 17 counties with published data (statewide: $177K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
21.9% of Tangipahoa Parish's investor loans were cash-out refinances, the 2nd-highest share of Louisiana's 17 counties with published data (statewide: 13.1%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
By share of investor loans reported as business-purpose, Tangipahoa Parish ranks 3rd-highest of Louisiana's 17 counties with published data (statewide: 46.3%).
61.3% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Does a DSCR loan pencil in Tangipahoa Parish?
At HUD's fair market rent of $1,384 for a 3-bedroom in Tangipahoa Parish, Louisiana, a rental covers its full DSCR payment up to a purchase price of about $220,000, with 20% down at the 7.25% starting rate (November 2026). Tangipahoa Parish's median home value is $212,900; at that price the payment is $1,324 a month, so the property would need $1,325 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,097 / $1,384 / $1,442 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $212,900 |
| Median property taxes and effective rate | $882 (0.41% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,324 |
| Rent needed to cover that payment | $1,325 |
| Coverage of a 3-bedroom at fair market rent | 1.05 |
| Highest price a 3-bedroom at fair market rent covers | about $220,000 |
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 Tangipahoa Parish's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Tangipahoa Parish?
The most active investment-property lenders in Tangipahoa Parish in 2025 HMDA data were United Wholesale Mortgage, Gulf Coast Bank and Trust Company and OAKTREE FUNDING CORP., out of 58 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 and matches each file to the one most likely to fund it.
Tangipahoa Parish's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 160 loans and $39.7M from 58 lenders. United Wholesale Mortgage led Tangipahoa Parish with 14 loans, 8.8% of the county's total, and the average Tangipahoa Parish loan of $248K compares with $177K across Louisiana.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| United Wholesale Mortgage | 14 | $2.2M | $158K | 57.1% |
| Gulf Coast Bank and Trust Company | 14 | $1.9M | $134K | 92.9% |
| OAKTREE FUNDING CORP. | 13 | $2.0M | $154K | 15.4% |
| Renasant Bank | 10 | $1.5M | $149K | 20.0% |
| BankPlus | 9 | $1.9M | $206K | 66.7% |
| Citizens Savings Bank | 7 | $1.2M | $166K | 57.1% |
| BPL MORTGAGE TRUST, LLC | 7 | $0.9M | $126K | 28.6% |
| Resource Bank | 7 | $0.8M | $114K | 28.6% |
| American Bank | 7 | $0.7M | $96K | 57.1% |
| DEEPHAVEN MORTGAGE LLC | 5 | $0.8M | $155K | 40.0% |
| HANCOCK WHITNEY BANK | 4 | $0.6M | $143K | 25.0% |
| DSLD MORTGAGE, LLC | 3 | $0.7M | $245K | 66.7% |
| MOVEMENT MORTGAGE, LLC | 3 | $0.4M | $135K | 100.0% |
| 21st Mortgage Corporation | 3 | $0.3M | $102K | 100.0% |
| b1BANK | 2 | $14.1M | $7035K | 0.0% |
| Loan Funder LLC | 2 | $1.5M | $770K | 50.0% |
| Citizens Bank & Trust Company | 2 | $0.7M | $325K | 50.0% |
| First American Bank and Trust | 2 | $0.4M | $215K | 100.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | $0.3M | $160K | 100.0% |
| NexBank | 2 | $0.3M | $140K | 100.0% |
| Rocket Mortgage, LLC | 2 | $0.3M | $125K | 50.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | $0.3M | $125K | 100.0% |
| Synergy Bank | 2 | $0.2M | $115K | 0.0% |
| GMFS LLC | 2 | $0.2M | $110K | 100.0% |
| American First National Bank | 1 | $0.5M | $535K | 0.0% |
136 Louisiana loans (1.6%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Tangipahoa Parish: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Tangipahoa Parish CSV, all 25 lenders
What Tangipahoa Parish's table can't show you: fit. Short-term financing is exempt from HMDA, so Tangipahoa Parish's fix-and-flip and bridge lenders barely appear among its 58 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 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 Tangipahoa Parish with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Tangipahoa Parish |
|---|---|---|---|
| St. Tammany Parish, LA | 354 | 85 | Borders Tangipahoa Parish |
| Livingston Parish, LA | 125 | 56 | Borders Tangipahoa Parish |
| East Baton Rouge Parish, LA | 999 | 150 | About 40 miles away |
| Ascension Parish, LA | 142 | 62 | About 40 miles away |
Run the coverage test on your Tangipahoa Parish, Louisiana deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Tangipahoa 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 — Tangipahoa Parish's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 58 lenders and 160 loans: 2025 HMDA loan-level data rolled up to Tangipahoa Parish.
- Tangipahoa Parish investor-lender dataset (CSV) — All 25 lenders in the Tangipahoa Parish, Louisiana table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Tangipahoa 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 Hammond, LA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Tangipahoa 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.