DSCR Loans in Yakima County, Washington
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 60 lenders made 216 investment-property loans in Yakima County, 2.2% of Washington's total. Dominick Prevete arranges DSCR loans across Yakima County, Washington, 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 $275,000.
Yakima County investor market at a glance
| Statistic | Yakima County | Washington | County rank |
|---|---|---|---|
| Investor loans | 216 | 9,950 | 10th of 17 |
| Reporting lenders | 60 | 382 | 11th of 17 |
| Loan volume | $60.8M | $4.66B | 10th of 17 |
| Average loan | $281K | $468K | 16th of 17 |
| Median loan | $245K | $395K | 15th of 17 |
| Purchases | 53.2% | 53.8% | 13th of 17 |
| Cash-out refinances | 28.2% | 18.8% | 2nd of 17 |
| 2–4 unit properties | 31.0% | 13.9% | 1st of 17 |
| Top five lenders' share | 40.3% | 20.1% | 3rd of 17 |
| Reported business-purpose | 77.3% | 74.8% | 3rd of 17 |
Yakima County: closed-end loans on 1–4 unit investment properties. Yakima County's rank is highest first, among Washington's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Yakima County's investor loans.
What stands out in Yakima County
31.0% of Yakima County's investor loans financed a 2–4 unit property, the highest share of Washington's 17 counties with published data (statewide: 13.9%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
The average investor loan in Yakima County was $281K, the 2nd-lowest average of Washington's 17 counties with published data (statewide: $468K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
28.2% of Yakima County's investor loans were cash-out refinances, the 2nd-highest share of Washington's 17 counties with published data (statewide: 18.8%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
Does a DSCR loan pencil in Yakima County?
At HUD's fair market rent of $1,818 for a 3-bedroom in Yakima County, Washington, a rental covers its full DSCR payment up to a purchase price of about $275,000, with 20% down at the 7.25% starting rate (November 2026). Yakima County's median home value is $310,100; at that price the payment is $2,027 a month, so the property would need $2,050 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) | $1,313 / $1,818 / $2,049 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $310,100 |
| Median property taxes and effective rate | $2,463 (0.79% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,027 |
| Rent needed to cover that payment | $2,050 |
| Coverage of a 3-bedroom at fair market rent | 0.90 |
| Highest price a 3-bedroom at fair market rent covers | about $275,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $400,000 |
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 Yakima County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Yakima County?
The most active investment-property lenders in Yakima County in 2025 HMDA data were Yakima Federal Savings and Loan Association; CMG MORTGAGE, INC.; and Solarity Credit Union, out of 60 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 one that reported in Yakima County, and matches each file to the one most likely to fund it.
Yakima County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 216 loans and $60.8M from 60 lenders. Yakima Federal Savings and Loan Association led Yakima County with 37 loans, 17.1% of the county's total, and the average Yakima County loan of $281K compares with $468K across Washington.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Yakima Federal Savings and Loan Association | 37 | $11.1M | $300K | 78.4% |
| CMG MORTGAGE, INC. | 19 | $5.0M | $263K | 78.9% |
| Solarity Credit Union | 13 | $2.7M | $206K | 30.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 9 | $2.8M | $315K | 55.6% |
| Banner Bank | 9 | $2.5M | $277K | 66.7% |
| Synergy One Lending, Inc. | 8 | $2.0M | $248K | 50.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 7 | $2.1M | $302K | 71.4% |
| CHAMPIONS FUNDING, LLC | 7 | $1.9M | $269K | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 7 | $1.6M | $224K | 42.9% |
| Rocket Mortgage, LLC | 6 | $1.8M | $297K | 33.3% |
| HOMEXPRESS MORTGAGE CORP. | 5 | $1.4M | $287K | 0.0% |
| OCMBC, INC. | 5 | $1.4M | $277K | 80.0% |
| GUILD MORTGAGE COMPANY | 5 | $1.2M | $245K | 100.0% |
| Broker Solutions, Inc. | 5 | $1.0M | $207K | 60.0% |
| THE LOAN STORE, INC. | 4 | $1.2M | $298K | 25.0% |
| GESA | 4 | $1.1M | $263K | 50.0% |
| LENDINGONE, LLC | 4 | $0.5M | $133K | 0.0% |
| NEXERA HOLDING LLC | 3 | $1.0M | $348K | 33.3% |
| JPMorgan Chase Bank, National Association | 3 | $0.8M | $272K | 66.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | $0.7M | $222K | 33.3% |
| MOVEMENT MORTGAGE, LLC | 3 | $0.6M | $212K | 0.0% |
| CV3 FINANCIAL SERVICES, LLC | 3 | $0.6M | $188K | 100.0% |
| Baker-Boyer National Bank | 2 | $4.4M | $2185K | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | $0.8M | $385K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | $0.6M | $285K | 50.0% |
505 Washington loans (5.1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Yakima County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Yakima County CSV, all 25 lenders
What Yakima County's table can't show you: fit. Short-term financing is exempt from HMDA, so Yakima County's fix-and-flip and bridge lenders barely appear among its 60 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 Yakima County, Washington deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Yakima County, Washington 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 — Yakima County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 60 lenders and 216 loans: 2025 HMDA loan-level data rolled up to Yakima County.
- Yakima County investor-lender dataset (CSV) — All 25 lenders in the Yakima County, Washington table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Yakima 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 Yakima, WA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Yakima 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.