DSCR Loans in Ulster County, New York
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 66 lenders made 234 investment-property loans in Ulster County, 1.1% of New York's total. Dominick Prevete arranges DSCR loans across Ulster County, New York, 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 $310,000.
Ulster County investor market at a glance
| Statistic | Ulster County | New York | County rank |
|---|---|---|---|
| Investor loans | 234 | 22,268 | 21st of 26 |
| Reporting lenders | 66 | 396 | 17th of 26 |
| Loan volume | $77.8M | $11.65B | 17th of 26 |
| Average loan | $333K | $523K | 12th of 26 |
| Median loan | $285K | $405K | 12th of 26 |
| Purchases | 58.5% | 59.1% | 18th of 26 |
| Cash-out refinances | 21.8% | 25.7% | 20th of 26 |
| 2–4 unit properties | 38.9% | 44.0% | 19th of 26 |
| Top five lenders' share | 35.0% | 22.4% | 12th of 26 |
| Reported business-purpose | 82.9% | 85.6% | 17th of 26 |
Ulster County: closed-end loans on 1–4 unit investment properties. Ulster County's rank is highest first, among New York's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Ulster County's investor loans.
What stands out in Ulster County
Ulster County's 234 investor loans ranked 21st of New York's 26 counties with published data.
Does a DSCR loan pencil in Ulster County?
At HUD's fair market rent of $2,282 for a 3-bedroom in Ulster County, New York, a rental covers its full DSCR payment up to a purchase price of about $310,000, with 20% down at the 7.25% starting rate (November 2026). Ulster County's median home value is $352,500; at that price the payment is $2,590 a month, so the property would need $2,600 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) | $1,878 / $2,282 / $2,468 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $352,500 |
| Median property taxes and effective rate | $6,238 (1.77% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,590 |
| Rent needed to cover that payment | $2,600 |
| Coverage of a 3-bedroom at fair market rent | 0.88 |
| Highest price a 3-bedroom at fair market rent covers | about $310,000 |
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 Ulster County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Ulster County?
The most active investment-property lenders in Ulster County in 2025 HMDA data were Loan Funder LLC; CHAMPIONS FUNDING, LLC; and Rocket Mortgage, LLC, out of 66 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 Ulster County, and matches each file to the one most likely to fund it.
Ulster County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 234 loans and $77.8M from 66 lenders. Loan Funder LLC led Ulster County with 23 loans, 9.8% of the county's total, and the average Ulster County loan of $333K compares with $523K across New York.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Loan Funder LLC | 23 | $7.8M | $338K | 87.0% |
| CHAMPIONS FUNDING, LLC | 22 | $7.5M | $341K | 36.4% |
| Rocket Mortgage, LLC | 15 | $5.2M | $344K | 26.7% |
| Ulster Savings Bank | 13 | $3.5M | $268K | 69.2% |
| FM Home Loans, LLC | 9 | $3.6M | $403K | 44.4% |
| MID-HUDSON VALLEY Federal Credit Union | 9 | $2.7M | $297K | 55.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 8 | $2.6M | $324K | 87.5% |
| ICE LENDER HOLDINGS LLC | 8 | $2.0M | $256K | 12.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 7 | $3.3M | $476K | 28.6% |
| Kiavi Funding, Inc. | 7 | $2.0M | $288K | 28.6% |
| HOMESTEAD FUNDING CORP. | 7 | $2.0M | $288K | 100.0% |
| HUDSON VALLEY CREDIT UNION | 6 | $2.6M | $427K | 66.7% |
| ARK MORTGAGE, INC. | 5 | $1.7M | $333K | 60.0% |
| Logan Finance Corporation | 5 | $1.6M | $315K | 80.0% |
| The Bank of Greene County | 5 | $1.0M | $205K | 60.0% |
| GUARANTEED RATE, INC. | 4 | $2.1M | $515K | 75.0% |
| NORWICH COMMERCIAL GROUP, INC. | 4 | $0.9M | $233K | 75.0% |
| NEWREZ LLC | 3 | $1.2M | $392K | 66.7% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 3 | $1.1M | $372K | 66.7% |
| Citadel Servicing Corporation | 3 | $1.1M | $365K | 66.7% |
| PLAZA HOME MORTGAGE, INC. | 3 | $1.1M | $362K | 33.3% |
| BPL MORTGAGE TRUST, LLC | 3 | $0.9M | $305K | 66.7% |
| Rondout Savings Bank | 3 | $0.9M | $302K | 100.0% |
| JPMorgan Chase Bank, National Association | 3 | $0.9M | $302K | 66.7% |
| Hometown Equity Mortgage, LLC | 3 | $0.8M | $278K | 33.3% |
617 New York loans (2.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Ulster County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Ulster County CSV, all 25 lenders
What Ulster County's table can't show you: fit. Short-term financing is exempt from HMDA, so Ulster County's fix-and-flip and bridge lenders barely appear among its 66 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 Ulster County, New York deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Ulster County, New York 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 — Ulster County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 66 lenders and 234 loans: 2025 HMDA loan-level data rolled up to Ulster County.
- Ulster County investor-lender dataset (CSV) — All 25 lenders in the Ulster County, New York table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Ulster 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 Kingston, NY MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Ulster 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.