DSCR Loans in Wyandotte County, Kansas
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 109 lenders made 483 investment-property loans in Wyandotte County, 7.8% of Kansas's total. Dominick Prevete arranges DSCR loans across Wyandotte County, Kansas, 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 $285,000.
Wyandotte County investor market at a glance
| Statistic | Wyandotte County | Kansas | County rank |
|---|---|---|---|
| Investor loans | 483 | 6,189 | 3rd of 9 |
| Reporting lenders | 109 | 354 | 3rd of 9 |
| Loan volume | $82.0M | $1.11B | 3rd of 9 |
| Average loan | $170K | $180K | 5th of 9 |
| Median loan | $145K | $135K | 5th of 9 |
| Purchases | 53.0% | 57.5% | 6th of 9 |
| Cash-out refinances | 20.5% | 11.8% | 2nd of 9 |
| 2–4 unit properties | 15.5% | 20.4% | 7th of 9 |
| Top five lenders' share | 42.4% | 18.4% | 6th of 9 |
| Reported business-purpose | 82.0% | 58.9% | 1st of 9 |
Wyandotte County: closed-end loans on 1–4 unit investment properties. Wyandotte County's rank is highest first, among Kansas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Wyandotte County's investor loans.
What stands out in Wyandotte County
By share of investor loans reported as business-purpose, Wyandotte County ranks highest of Kansas's 9 counties with published data (statewide: 58.9%).
82.0% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
20.5% of Wyandotte County's investor loans were cash-out refinances, the 2nd-highest share of Kansas's 9 counties with published data (statewide: 11.8%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
Does a DSCR loan pencil in Wyandotte County?
At HUD's fair market rent of $2,020 for a 3-bedroom in Wyandotte County, Kansas, a rental covers its full DSCR payment up to a purchase price of about $285,000, with 20% down at the 7.25% starting rate (November 2026). Wyandotte County's median home value is $172,300; at that price the payment is $1,221 a month, so the property would need $1,225 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) | $1,546 / $2,020 / $2,419 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $172,300 |
| Median property taxes and effective rate | $2,509 (1.46% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,221 |
| Rent needed to cover that payment | $1,225 |
| Coverage of a 3-bedroom at fair market rent | 1.65 |
| Highest price a 3-bedroom at fair market rent covers | about $285,000 |
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 Wyandotte County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Wyandotte County?
The most active investment-property lenders in Wyandotte County in 2025 HMDA data were Kiavi Funding, Inc.; United Wholesale Mortgage; and COMMUNITYAMERICA FEDERAL CREDIT UNION, out of 109 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 Wyandotte County, and matches each file to the one most likely to fund it.
Wyandotte County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 483 loans and $82.0M from 109 lenders. Kiavi Funding, Inc. led Wyandotte County with 83 loans, 17.2% of the county's total, and the average Wyandotte County loan of $170K compares with $180K across Kansas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 83 | $13.2M | $159K | 72.3% |
| United Wholesale Mortgage | 41 | $5.2M | $126K | 39.0% |
| COMMUNITYAMERICA FEDERAL CREDIT UNION | 40 | $7.3M | $182K | 90.0% |
| Loan Funder LLC | 26 | $4.2M | $161K | 11.5% |
| OCMBC, INC. | 15 | $3.0M | $201K | 20.0% |
| CV3 Financial Services, LLC | 15 | $1.9M | $128K | 80.0% |
| BPL MORTGAGE TRUST, LLC | 14 | $2.5M | $181K | 0.0% |
| First Federal Savings and Loan Bank | 14 | $1.7M | $119K | 57.1% |
| Rocket Mortgage, LLC | 11 | $1.8M | $164K | 18.2% |
| Fairway Independent Mortgage Corporation | 11 | $1.5M | $139K | 81.8% |
| CHAMPIONS FUNDING, LLC | 8 | $1.3M | $161K | 12.5% |
| THE LOAN STORE, INC. | 7 | $1.3M | $186K | 71.4% |
| HOMEXPRESS MORTGAGE CORP. | 7 | $1.2M | $169K | 0.0% |
| First National Bank of Omaha | 7 | $1.1M | $164K | 0.0% |
| First State Bank of St. Charles, Missouri | 7 | $1.0M | $145K | 85.7% |
| Great American Bank | 6 | $1.6M | $262K | 100.0% |
| CoreFirst Bank & Trust | 6 | $0.9M | $148K | 100.0% |
| KIND LENDING, LLC | 5 | $1.2M | $233K | 40.0% |
| Emporium TPO LLC | 5 | $1.1M | $219K | 0.0% |
| Farmers Bank & Trust | 5 | $0.5M | $99K | 0.0% |
| Mutual Savings Association | 4 | $2.1M | $538K | 25.0% |
| Mid-America Bank | 4 | $0.7M | $168K | 75.0% |
| Citadel Servicing Corporation | 4 | $0.6M | $153K | 50.0% |
| UMB Bank, National Association | 4 | $0.5M | $125K | 50.0% |
| GNBank, National Association | 3 | $0.7M | $245K | 33.3% |
139 Kansas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Wyandotte County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Wyandotte County CSV, all 25 lenders
What Wyandotte County's table can't show you: fit. Short-term financing is exempt from HMDA, so Wyandotte County's fix-and-flip and bridge lenders barely appear among its 109 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 Wyandotte County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Wyandotte County |
|---|---|---|---|
| Leavenworth County, KS | 131 | 57 | Borders Wyandotte County |
| Johnson County, KS | 922 | 171 | Borders Wyandotte County |
| Platte County, MO | 145 | 60 | Borders Wyandotte County |
| Jackson County, MO | 2,351 | 224 | Borders Wyandotte County |
| Clay County, MO | 418 | 117 | Borders Wyandotte County |
| Douglas County, KS | 306 | 74 | About 30 miles away |
| Buchanan County, MO | 197 | 49 | About 40 miles away |
| Cass County, MO | 225 | 70 | About 40 miles away |
| Shawnee County, KS | 482 | 57 | About 55 miles away |
Run the coverage test on your Wyandotte County, Kansas deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Wyandotte County, Kansas 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 — Wyandotte County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 109 lenders and 483 loans: 2025 HMDA loan-level data rolled up to Wyandotte County.
- Wyandotte County investor-lender dataset (CSV) — All 25 lenders in the Wyandotte County, Kansas table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Wyandotte 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 Kansas City, MO-KS HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Wyandotte 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.