DSCR Loans in Washington County, Pennsylvania
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, 63 lenders made 264 investment-property loans in Washington County, 1.1% of Pennsylvania's total. Dominick Prevete arranges DSCR loans across Washington County, Pennsylvania, 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 $260,000.
Washington County investor market at a glance
| Statistic | Washington County | Pennsylvania | County rank |
|---|---|---|---|
| Investor loans | 264 | 24,181 | 19th of 35 |
| Reporting lenders | 63 | 587 | 26th of 35 |
| Loan volume | $38.0M | $5.10B | 22nd of 35 |
| Average loan | $144K | $211K | 26th of 35 |
| Median loan | $115K | $175K | 28th of 35 |
| Purchases | 59.1% | 55.3% | 21st of 35 |
| Cash-out refinances | 21.2% | 21.3% | 9th of 35 |
| 2–4 unit properties | 18.9% | 26.5% | 28th of 35 |
| Top five lenders' share | 49.2% | 20.4% | 10th of 35 |
| Reported business-purpose | 49.6% | 77.2% | 34th of 35 |
Washington County: closed-end loans on 1–4 unit investment properties. Washington County's rank is highest first, among Pennsylvania's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Washington County's investor loans.
What stands out in Washington County
49.6% of Washington County's investor loans were reported as business-purpose, the 2nd-lowest share of Pennsylvania's 35 counties with published data (statewide: 77.2%).
Fewer investor loans here were reported as business-purpose than in most of Pennsylvania. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
The median investor loan in Washington County was $115K, the 7th-lowest median of Pennsylvania's 35 counties with published data (statewide: $175K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
18.9% of Washington County's investor loans financed a 2–4 unit property, the 8th-lowest share of Pennsylvania's 35 counties with published data (statewide: 26.5%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Does a DSCR loan pencil in Washington County?
At HUD's fair market rent of $1,773 for a 3-bedroom in Washington County, Pennsylvania, a rental covers its full DSCR payment up to a purchase price of about $260,000, with 20% down at the 7.25% starting rate (November 2026). Washington County's median home value is $228,500; at that price the payment is $1,549 a month, so the property would need $1,550 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) | $1,389 / $1,773 / $1,925 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $228,500 |
| Median property taxes and effective rate | $2,485 (1.09% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,549 |
| Rent needed to cover that payment | $1,550 |
| Coverage of a 3-bedroom at fair market rent | 1.14 |
| Highest price a 3-bedroom at fair market rent covers | about $260,000 |
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 Washington County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Washington County?
The most active investment-property lenders in Washington County in 2025 HMDA data were Slovenian Savings and Loan Association of Canonsburg; Kiavi Funding, Inc.; and Mon Valley Community Federal Credit Union, out of 63 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 Washington County, and matches each file to the one most likely to fund it.
Washington County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 264 loans and $38.0M from 63 lenders. Slovenian Savings and Loan Association of Canonsburg led Washington County with 64 loans, 24.2% of the county's total, and the average Washington County loan of $144K compares with $211K across Pennsylvania.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Slovenian Savings and Loan Association of Canonsburg | 64 | $8.7M | $136K | 81.2% |
| Kiavi Funding, Inc. | 23 | $3.5M | $154K | 30.4% |
| Mon Valley Community Federal Credit Union | 16 | $1.7M | $106K | 37.5% |
| BPL MORTGAGE TRUST, LLC | 14 | $1.7M | $124K | 50.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 13 | $1.6M | $123K | 46.2% |
| Union Savings Bank | 9 | $1.2M | $131K | 77.8% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 9 | $0.9M | $101K | 0.0% |
| CV3 FINANCIAL SERVICES, LLC | 6 | $0.7M | $108K | 50.0% |
| Rocket Mortgage, LLC | 6 | $0.6M | $97K | 33.3% |
| United Bank | 6 | $0.4M | $65K | 33.3% |
| Washington Financial Bank | 5 | $1.2M | $233K | 80.0% |
| First Commonwealth Bank | 5 | $0.4M | $89K | 80.0% |
| CHROME | 5 | $0.4M | $77K | 0.0% |
| Loan Funder LLC | 4 | $1.5M | $365K | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 4 | $0.7M | $168K | 100.0% |
| First National Bank of Pennsylvania | 4 | $0.7M | $165K | 100.0% |
| S&T Bank | 4 | $0.3M | $78K | 100.0% |
| NVR Mortgage Finance, Inc. | 3 | $1.0M | $325K | 100.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | $0.5M | $178K | 33.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | $0.5M | $165K | 66.7% |
| First Federal Savings and Loan Association of Greene Co | 3 | $0.4M | $118K | 66.7% |
| 21st Mortgage Corporation | 3 | $0.3M | $98K | 100.0% |
| Dollar Bank, Federal Savings Bank | 2 | $1.0M | $520K | 50.0% |
| ICE LENDER HOLDINGS LLC | 2 | $0.6M | $305K | 0.0% |
| Wells Fargo Bank, National Association | 2 | $0.5M | $255K | 50.0% |
926 Pennsylvania loans (3.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Washington County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Washington County CSV, all 25 lenders
What Washington County's table can't show you: fit. Short-term financing is exempt from HMDA, so Washington County's fix-and-flip and bridge lenders barely appear among its 63 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 Washington County, Pennsylvania deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Washington County, Pennsylvania 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 — Washington County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 63 lenders and 264 loans: 2025 HMDA loan-level data rolled up to Washington County.
- Washington County investor-lender dataset (CSV) — All 25 lenders in the Washington County, Pennsylvania table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Washington 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 Pittsburgh, PA HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Washington 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.