DSCR Loans in Warren County, Kentucky
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 58 lenders made 414 investment-property loans in Warren County, 5.2% of Kentucky's total. Dominick Prevete arranges DSCR loans across Warren County, Kentucky, 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.
Warren County investor market at a glance
| Statistic | Warren County | Kentucky | County rank |
|---|---|---|---|
| Investor loans | 414 | 7,902 | 3rd of 14 |
| Reporting lenders | 58 | 369 | 6th of 14 |
| Loan volume | $85.4M | $1.53B | 3rd of 14 |
| Average loan | $206K | $193K | 6th of 14 |
| Median loan | $185K | $155K | 5th of 14 |
| Purchases | 62.8% | 58.5% | 6th of 14 |
| Cash-out refinances | 8.2% | 12.4% | 10th of 14 |
| 2–4 unit properties | 19.8% | 19.3% | 8th of 14 |
| Top five lenders' share | 60.1% | 15.4% | 6th of 14 |
| Reported business-purpose | 34.8% | 60.6% | 12th of 14 |
Warren County: closed-end loans on 1–4 unit investment properties. Warren County's rank is highest first, among Kentucky's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Warren County's investor loans.
What stands out in Warren County
34.8% of Warren County's investor loans were reported as business-purpose, the 3rd-lowest share of Kentucky's 14 counties with published data (statewide: 60.6%).
Fewer investor loans here were reported as business-purpose than in most of Kentucky. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
Warren County's 414 investor loans ranked 3rd of Kentucky's 14 counties with published data.
Does a DSCR loan pencil in Warren County?
At HUD's fair market rent of $1,438 for a 3-bedroom in Warren County, Kentucky, 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). Warren County's median home value is $258,000; at that price the payment is $1,655 a month, so the property would need $1,675 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) | $1,199 / $1,438 / $1,959 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $258,000 |
| Median property taxes and effective rate | $1,668 (0.65% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,655 |
| Rent needed to cover that payment | $1,675 |
| Coverage of a 3-bedroom at fair market rent | 0.87 |
| Highest price a 3-bedroom at fair market rent covers | about $220,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $370,000 |
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 Warren County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Warren County?
The most active investment-property lenders in Warren County in 2025 HMDA data were American Bank & Trust Company, Inc.; Franklin Bank & Trust Company; and Farmers Bank and Trust Company, 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.
Warren County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 414 loans and $85.4M from 58 lenders. American Bank & Trust Company, Inc. led Warren County with 128 loans, 30.9% of the county's total, and the average Warren County loan of $206K compares with $193K across Kentucky.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| American Bank & Trust Company, Inc. | 128 | $25.7M | $200K | 60.2% |
| Franklin Bank & Trust Company | 41 | $9.2M | $224K | 70.7% |
| Farmers Bank and Trust Company | 32 | $6.9M | $215K | 93.8% |
| SOUTH CENTRAL BANK, INC. | 31 | $8.0M | $260K | 58.1% |
| Bank of Edmonson County | 17 | $3.8M | $222K | 70.6% |
| Morgantown Bank & Trust Company, Incorporated | 17 | $3.1M | $180K | 47.1% |
| First Southern National Bank | 16 | $2.5M | $153K | 56.2% |
| Edmonton State Bank | 13 | $3.0M | $233K | 69.2% |
| FirstBank | 9 | $1.9M | $215K | 22.2% |
| Independence Bank of Kentucky | 9 | $1.6M | $176K | 100.0% |
| Pinnacle Bank | 8 | $2.5M | $308K | 37.5% |
| Liberty | 8 | $1.1M | $139K | 87.5% |
| German American Bank | 7 | $1.0M | $136K | 57.1% |
| The Monticello Banking Company | 6 | $1.2M | $202K | 100.0% |
| Rocket Mortgage, LLC | 5 | $1.1M | $213K | 40.0% |
| United Wholesale Mortgage | 4 | $0.9M | $233K | 0.0% |
| UNION HOME MORTGAGE CORP. | 4 | $0.7M | $183K | 50.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 4 | $0.7M | $178K | 100.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | $0.5M | $182K | 33.3% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 3 | $0.5M | $168K | 100.0% |
| Loan Funder LLC | 3 | $0.3M | $108K | 0.0% |
| OCMBC, INC. | 2 | $0.5M | $225K | 100.0% |
| LIMA ONE CAPITAL, LLC | 2 | $0.4M | $215K | 100.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | $0.4M | $210K | 100.0% |
| Banterra Bank | 2 | $0.4M | $205K | 0.0% |
117 Kentucky loans (1.5%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Warren County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Warren County CSV, all 25 lenders
What Warren County's table can't show you: fit. Short-term financing is exempt from HMDA, so Warren County'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 Warren County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Warren County |
|---|---|---|---|
| Sumner County, TN | 404 | 110 | About 35 miles away |
| Robertson County, TN | 151 | 46 | About 40 miles away |
| Hardin County, KY | 262 | 54 | About 55 miles away |
| Wilson County, TN | 298 | 94 | About 60 miles away |
| Christian County, KY | 159 | 36 | About 60 miles away |
| Daviess County, KY | 186 | 35 | About 65 miles away |
Run the coverage test on your Warren County, Kentucky deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Warren County, Kentucky 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 — Warren County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 58 lenders and 414 loans: 2025 HMDA loan-level data rolled up to Warren County.
- Warren County investor-lender dataset (CSV) — All 25 lenders in the Warren County, Kentucky table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Warren 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 Bowling Green, KY HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Warren 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.