DSCR Loans in Ventura County, California
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, 171 lenders made 925 investment-property loans in Ventura County, 1.7% of California's total. Dominick Prevete arranges DSCR loans across Ventura County, California, 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 $510,000.
Ventura County investor market at a glance
| Statistic | Ventura County | California | County rank |
|---|---|---|---|
| Investor loans | 925 | 54,410 | 13th of 39 |
| Reporting lenders | 171 | 630 | 13th of 39 |
| Loan volume | $554.6M | $37.12B | 15th of 39 |
| Average loan | $600K | $682K | 15th of 39 |
| Median loan | $525K | $485K | 12th of 39 |
| Purchases | 49.7% | 51.1% | 25th of 39 |
| Cash-out refinances | 32.2% | 25.6% | 5th of 39 |
| 2–4 unit properties | 12.4% | 16.6% | 25th of 39 |
| Top five lenders' share | 20.5% | 23.2% | 39th of 39 |
| Reported business-purpose | 69.4% | 71.2% | 23rd of 39 |
Ventura County: closed-end loans on 1–4 unit investment properties. Ventura County's rank is highest first, among California's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Ventura County's investor loans.
What stands out in Ventura County
The five most active lenders wrote 20.5% of Ventura County's investor loans, the lowest share of California's 39 counties with published data (statewide: 23.2%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
32.2% of Ventura County's investor loans were cash-out refinances, the 5th-highest share of California's 39 counties with published data (statewide: 25.6%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
Does a DSCR loan pencil in Ventura County?
At HUD's fair market rent of $3,287 for a 3-bedroom in Ventura County, California, a rental covers its full DSCR payment up to a purchase price of about $510,000, with 20% down at the 7.25% starting rate (November 2026). Ventura County's median home value is $822,700; at that price the payment is $5,297 a month, so the property would need $5,300 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) | $2,424 / $3,287 / $3,816 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $822,700 |
| Median property taxes and effective rate | $5,574 (0.68% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $5,297 |
| Rent needed to cover that payment | $5,300 |
| Coverage of a 3-bedroom at fair market rent | 0.62 |
| Highest price a 3-bedroom at fair market rent covers | about $510,000 |
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 Ventura County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Ventura County?
The most active investment-property lenders in Ventura County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Rocket Mortgage, LLC; and OCMBC, INC., out of 171 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 Ventura County, and matches each file to the one most likely to fund it.
Ventura County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 925 loans and $554.6M from 171 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Ventura County with 52 loans, 5.6% of the county's total, and the average Ventura County loan of $600K compares with $682K across California.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 52 | $27.3M | $525K | 55.8% |
| Rocket Mortgage, LLC | 40 | $16.9M | $423K | 42.5% |
| OCMBC, INC. | 38 | $22.3M | $587K | 42.1% |
| THE LOAN STORE, INC. | 34 | $19.5M | $573K | 52.9% |
| PENNYMAC LOAN SERVICES, LLC | 26 | $15.9M | $612K | 57.7% |
| Citadel Servicing Corporation | 26 | $14.5M | $559K | 46.2% |
| MLD MORTGAGE INC. | 22 | $14.1M | $640K | 27.3% |
| CMG MORTGAGE, INC. | 21 | $13.8M | $655K | 61.9% |
| NEXERA HOLDING LLC | 21 | $11.9M | $566K | 28.6% |
| GUARANTEED RATE, INC. | 20 | $12.2M | $608K | 55.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 20 | $11.1M | $553K | 70.0% |
| CHAMPIONS FUNDING, LLC | 19 | $10.3M | $540K | 31.6% |
| Kiavi Funding, Inc. | 18 | $14.9M | $826K | 94.4% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 18 | $10.6M | $587K | 33.3% |
| CAKE MORTGAGE CORP. | 16 | $13.8M | $864K | 25.0% |
| AMWEST FUNDING CORP. | 16 | $9.1M | $571K | 50.0% |
| JPMorgan Chase Bank, National Association | 15 | $10.5M | $698K | 73.3% |
| Commerce Home Mortgage, Inc. | 15 | $10.3M | $688K | 60.0% |
| U.S. Bank National Association | 15 | $9.7M | $647K | 26.7% |
| AUGUSTA FINANCIAL, INC. | 13 | $9.4M | $724K | 92.3% |
| Hometown Equity Mortgage, LLC | 12 | $7.9M | $659K | 50.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 12 | $6.6M | $553K | 50.0% |
| NEWREZ LLC | 12 | $4.8M | $398K | 41.7% |
| Paramount Residential Mortgage Group, Inc. | 11 | $6.3M | $577K | 90.9% |
| MACKILLIE INCORPORATED | 11 | $5.2M | $474K | 27.3% |
1,726 California loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Ventura County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Ventura County CSV, all 25 lenders
What Ventura County's table can't show you: fit. Short-term financing is exempt from HMDA, so Ventura County's fix-and-flip and bridge lenders barely appear among its 171 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 Ventura County, California deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Ventura County, California 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 — Ventura County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 171 lenders and 925 loans: 2025 HMDA loan-level data rolled up to Ventura County.
- Ventura County investor-lender dataset (CSV) — All 25 lenders in the Ventura County, California table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Ventura 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 Oxnard-Thousand Oaks-Ventura, CA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Ventura 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.