DSCR Loans in Twin Falls County, Idaho
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 39 lenders made 110 investment-property loans in Twin Falls County, 3.6% of Idaho's total. Dominick Prevete arranges DSCR loans across Twin Falls County, Idaho, 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 $275,000.
Twin Falls County investor market at a glance
| Statistic | Twin Falls County | Idaho | County rank |
|---|---|---|---|
| Investor loans | 110 | 3,049 | 6th of 6 |
| Reporting lenders | 39 | 259 | 6th of 6 |
| Loan volume | $26.5M | $1.04B | 6th of 6 |
| Average loan | $241K | $342K | 6th of 6 |
| Median loan | $210K | $295K | 6th of 6 |
| Purchases | 68.2% | 66.7% | 4th of 6 |
| Cash-out refinances | 17.3% | 16.5% | 3rd of 6 |
| 2–4 unit properties | 20.0% | 14.2% | 3rd of 6 |
| Top five lenders' share | 43.6% | 24.2% | 1st of 6 |
| Reported business-purpose | 61.8% | 55.4% | 2nd of 6 |
Twin Falls County: closed-end loans on 1–4 unit investment properties. Twin Falls County's rank is highest first, among Idaho's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Twin Falls County's investor loans.
What stands out in Twin Falls County
The average investor loan in Twin Falls County was $241K, the lowest average of Idaho's 6 counties with published data (statewide: $342K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
The five most active lenders wrote 43.6% of Twin Falls County's investor loans, the highest share of Idaho's 6 counties with published data (statewide: 24.2%).
Five lenders write 43.6% of the loans here, so comparing written term sheets matters more.
Does a DSCR loan pencil in Twin Falls County?
At HUD's fair market rent of $1,779 for a 3-bedroom in Twin Falls County, Idaho, a rental covers its full DSCR payment up to a purchase price of about $275,000, with 20% down at the 7.25% starting rate (November 2026). Twin Falls County's median home value is $337,900; at that price the payment is $2,157 a month, so the property would need $2,175 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) | $1,285 / $1,779 / $2,148 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $337,900 |
| Median property taxes and effective rate | $2,066 (0.61% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,157 |
| Rent needed to cover that payment | $2,175 |
| Coverage of a 3-bedroom at fair market rent | 0.82 |
| Highest price a 3-bedroom at fair market rent covers | about $275,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $400,000 |
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 Twin Falls County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Twin Falls County?
The most active investment-property lenders in Twin Falls County in 2025 HMDA data were First Federal Savings Bank of Twin Falls; MOVEMENT MORTGAGE, LLC; and IDAHO CENTRAL CREDIT UNION, out of 39 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 Twin Falls County, and matches each file to the one most likely to fund it.
Twin Falls County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 110 loans and $26.5M from 39 lenders. First Federal Savings Bank of Twin Falls led Twin Falls County with 20 loans, 18.2% of the county's total, and the average Twin Falls County loan of $241K compares with $342K across Idaho.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| First Federal Savings Bank of Twin Falls | 20 | $5.7M | $286K | 75.0% |
| MOVEMENT MORTGAGE, LLC | 9 | $1.5M | $166K | 55.6% |
| IDAHO CENTRAL CREDIT UNION | 8 | $1.7M | $216K | 75.0% |
| United Wholesale Mortgage | 6 | $1.5M | $247K | 100.0% |
| NFM, INC. | 5 | $1.2M | $241K | 40.0% |
| FARMERS BANK | 5 | $1.1M | $211K | 100.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 5 | $1.0M | $201K | 80.0% |
| PIONEER FEDERAL CREDIT UNION | 5 | $0.9M | $189K | 60.0% |
| U.S. Bank National Association | 4 | $0.9M | $235K | 100.0% |
| Citadel Servicing Corporation | 3 | $0.9M | $315K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | $0.7M | $242K | 100.0% |
| PLANET HOME LENDING, LLC | 3 | $0.6M | $212K | 66.7% |
| PENNYMAC LOAN SERVICES, LLC | 2 | $1.2M | $590K | 50.0% |
| CMG MORTGAGE, INC. | 2 | $0.8M | $395K | 100.0% |
| D. L. EVANS BANK | 2 | $0.7M | $350K | 100.0% |
| LENDINGONE, LLC | 2 | $0.7M | $330K | 50.0% |
| GUILD MORTGAGE COMPANY | 2 | $0.6M | $280K | 50.0% |
| CHAMPIONS FUNDING, LLC | 2 | $0.3M | $165K | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 2 | $0.3M | $150K | 100.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | $0.4M | $415K | 0.0% |
| Broker Solutions, Inc. | 1 | $0.4M | $375K | 100.0% |
| RESIDENTIAL MORTGAGE, LLC | 1 | $0.3M | $315K | 100.0% |
| ALLIANT CREDIT UNION | 1 | $0.3M | $295K | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | $0.3M | $275K | 100.0% |
| CV3 Financial Services, LLC | 1 | $0.2M | $245K | 100.0% |
7 Idaho loans (0.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Twin Falls County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Twin Falls County CSV, all 25 lenders
What Twin Falls County's table can't show you: fit. Short-term financing is exempt from HMDA, so Twin Falls County's fix-and-flip and bridge lenders barely appear among its 39 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 Twin Falls County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Twin Falls County |
|---|---|---|---|
| Ada County, ID | 1,033 | 161 | About 110 miles away |
| Bannock County, ID | 148 | 46 | About 125 miles away |
| Canyon County, ID | 372 | 98 | About 135 miles away |
| Cache County, UT | 158 | 43 | About 155 miles away |
Run the coverage test on your Twin Falls County, Idaho deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Twin Falls County, Idaho 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 — Twin Falls County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 39 lenders and 110 loans: 2025 HMDA loan-level data rolled up to Twin Falls County.
- Twin Falls County investor-lender dataset (CSV) — All 25 lenders in the Twin Falls County, Idaho table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Twin Falls 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 Twin Falls County, ID HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Twin Falls 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.