DSCR Loans in Terrebonne Parish, Louisiana
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 26 lenders made 176 investment-property loans in Terrebonne Parish, 2.1% of Louisiana's total. Dominick Prevete arranges DSCR loans across Terrebonne 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 $210,000.
Terrebonne Parish investor market at a glance
| Statistic | Terrebonne Parish | Louisiana | County rank |
|---|---|---|---|
| Investor loans | 176 | 8,254 | 11th of 17 |
| Reporting lenders | 26 | 337 | 15th of 17 |
| Loan volume | $21.4M | $1.46B | 14th of 17 |
| Average loan | $121K | $177K | 15th of 17 |
| Median loan | $100K | $125K | 15th of 17 |
| Purchases | 34.7% | 47.7% | 17th of 17 |
| Cash-out refinances | 9.7% | 13.1% | 9th of 17 |
| 2–4 unit properties | 27.3% | 23.6% | 2nd of 17 |
| Top five lenders' share | 83.0% | 16.0% | 1st of 17 |
| Reported business-purpose | 18.8% | 46.3% | 16th of 17 |
Terrebonne Parish: closed-end loans on 1–4 unit investment properties. Terrebonne Parish's rank is highest first, among Louisiana's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Terrebonne Parish's investor loans.
What stands out in Terrebonne Parish
34.7% of Terrebonne Parish's investor loans were purchases, the lowest share of Louisiana's 17 counties with published data (statewide: 47.7%).
Most investor loans here refinance property investors already own. A DSCR refinance qualifies on the property's current rent.
The five most active lenders wrote 83.0% of Terrebonne Parish's investor loans, the highest share of Louisiana's 17 counties with published data (statewide: 16.0%).
Five lenders write 83.0% of the loans here, so comparing written term sheets matters more.
18.8% of Terrebonne Parish's investor loans were reported as business-purpose, the 2nd-lowest share of Louisiana's 17 counties with published data (statewide: 46.3%).
Fewer investor loans here were reported as business-purpose than in most of Louisiana. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
Does a DSCR loan pencil in Terrebonne Parish?
At HUD's fair market rent of $1,335 for a 3-bedroom in Terrebonne Parish, Louisiana, a rental covers its full DSCR payment up to a purchase price of about $210,000, with 20% down at the 7.25% starting rate (November 2026). Terrebonne Parish's median home value is $187,200; at that price the payment is $1,169 a month, so the property would need $1,175 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) | $1,098 / $1,335 / $1,443 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $187,200 |
| Median property taxes and effective rate | $836 (0.45% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,169 |
| Rent needed to cover that payment | $1,175 |
| Coverage of a 3-bedroom at fair market rent | 1.14 |
| Highest price a 3-bedroom at fair market rent covers | about $210,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $350,000 |
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 Terrebonne Parish's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Terrebonne Parish?
The most active investment-property lenders in Terrebonne Parish in 2025 HMDA data were Synergy Bank, South Louisiana Bank and b1BANK, out of 26 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 Terrebonne Parish, and matches each file to the one most likely to fund it.
Terrebonne Parish's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 176 loans and $21.4M from 26 lenders. Synergy Bank led Terrebonne Parish with 93 loans, 52.8% of the county's total, and the average Terrebonne Parish loan of $121K compares with $177K across Louisiana.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Synergy Bank | 93 | $10.0M | $107K | 25.8% |
| South Louisiana Bank | 27 | $3.7M | $136K | 40.7% |
| b1BANK | 17 | $2.0M | $116K | 29.4% |
| DOMINION FINANCIAL SERVICES, LLC | 5 | $0.9M | $185K | 20.0% |
| United Community Bank | 4 | $0.6M | $145K | 75.0% |
| First American Bank and Trust | 4 | $0.5M | $118K | 50.0% |
| M C Bank & Trust Company | 3 | $0.7M | $225K | 66.7% |
| United Wholesale Mortgage | 3 | $0.3M | $98K | 33.3% |
| HANCOCK WHITNEY BANK | 2 | $0.2M | $105K | 50.0% |
| GREATER NEW ORLEANS FEDERAL CREDIT UNION | 2 | $0.2M | $85K | 100.0% |
| Community Bank | 1 | $0.5M | $495K | 100.0% |
| Rocket Mortgage, LLC | 1 | $0.4M | $385K | 0.0% |
| GMFS LLC | 1 | $0.2M | $205K | 100.0% |
| BPL MORTGAGE TRUST, LLC | 1 | $0.2M | $155K | 0.0% |
| CLB The Community Bank | 1 | $0.2M | $155K | 0.0% |
| Cadence Bank | 1 | $0.2M | $155K | 100.0% |
| ZILLOW HOME LOANS, LLC | 1 | $0.1M | $135K | 100.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | $0.1M | $125K | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | $0.1M | $115K | 100.0% |
| CV3 Financial Services, LLC | 1 | $0.1M | $105K | 0.0% |
| Gulf Coast Bank and Trust Company | 1 | $0.1M | $95K | 100.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | $0.1M | $65K | 0.0% |
| U.S. Bank National Association | 1 | $0.1M | $65K | 100.0% |
| JPMorgan Chase Bank, National Association | 1 | $0.1M | $65K | 0.0% |
| Farmers-Merchants Bank & Trust Company | 1 | $0.1M | $55K | 100.0% |
136 Louisiana loans (1.6%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Terrebonne Parish: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Terrebonne Parish CSV, all 25 lenders
What Terrebonne Parish's table can't show you: fit. Short-term financing is exempt from HMDA, so Terrebonne Parish's fix-and-flip and bridge lenders barely appear among its 26 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 Terrebonne Parish with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Terrebonne Parish |
|---|---|---|---|
| Lafourche Parish, LA | 111 | 25 | Borders Terrebonne Parish |
| Jefferson Parish, LA | 651 | 113 | About 50 miles away |
| Ascension Parish, LA | 142 | 62 | About 60 miles away |
| Iberia Parish, LA | 102 | 26 | About 65 miles away |
Run the coverage test on your Terrebonne Parish, Louisiana deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Terrebonne 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 — Terrebonne Parish's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 26 lenders and 176 loans: 2025 HMDA loan-level data rolled up to Terrebonne Parish.
- Terrebonne Parish investor-lender dataset (CSV) — All 25 lenders in the Terrebonne Parish, Louisiana table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Terrebonne 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 Houma-Bayou Cane-Thibodaux, LA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Terrebonne 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.