DSCR Loans in Yamhill County, Oregon
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, 65 lenders made 123 investment-property loans in Yamhill County, 2.5% of Oregon's total. Dominick Prevete arranges DSCR loans across Yamhill County, Oregon, 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 $390,000.
Yamhill County investor market at a glance
| Statistic | Yamhill County | Oregon | County rank |
|---|---|---|---|
| Investor loans | 123 | 4,893 | 9th of 11 |
| Reporting lenders | 65 | 316 | 8th of 11 |
| Loan volume | $46.3M | $1.80B | 8th of 11 |
| Average loan | $377K | $368K | 5th of 11 |
| Median loan | $325K | $325K | 6th of 11 |
| Purchases | 51.2% | 56.3% | 8th of 11 |
| Cash-out refinances | 29.3% | 23.2% | 3rd of 11 |
| 2–4 unit properties | 19.5% | 19.1% | 6th of 11 |
| Top five lenders' share | 22.8% | 16.4% | 6th of 11 |
| Reported business-purpose | 65.9% | 71.8% | 10th of 11 |
Yamhill County: closed-end loans on 1–4 unit investment properties. Yamhill County's rank is highest first, among Oregon's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Yamhill County's investor loans.
What stands out in Yamhill County
65.9% of Yamhill County's investor loans were reported as business-purpose, the 2nd-lowest share of Oregon's 11 counties with published data (statewide: 71.8%).
Fewer investor loans here were reported as business-purpose than in most of Oregon. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
Yamhill County's 123 investor loans ranked 9th of Oregon's 11 counties with published data.
Does a DSCR loan pencil in Yamhill County?
At HUD's fair market rent of $2,550 for a 3-bedroom in Yamhill County, Oregon, a rental covers its full DSCR payment up to a purchase price of about $390,000, with 20% down at the 7.25% starting rate (November 2026). Yamhill County's median home value is $471,700; at that price the payment is $3,056 a month, so the property would need $3,075 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) | $1,878 / $2,550 / $3,069 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $471,700 |
| Median property taxes and effective rate | $3,425 (0.73% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,056 |
| Rent needed to cover that payment | $3,075 |
| Coverage of a 3-bedroom at fair market rent | 0.83 |
| Highest price a 3-bedroom at fair market rent covers | about $390,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $575,000 |
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 Yamhill County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Yamhill County?
The most active investment-property lenders in Yamhill County in 2025 HMDA data were GUARANTEED RATE, INC.; THE LOAN STORE, INC.; and NEXERA HOLDING LLC, out of 65 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 Yamhill County, and matches each file to the one most likely to fund it.
Yamhill County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 123 loans and $46.3M from 65 lenders. GUARANTEED RATE, INC. led Yamhill County with 8 loans, 6.5% of the county's total, and the average Yamhill County loan of $377K compares with $368K across Oregon.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| GUARANTEED RATE, INC. | 8 | $2.1M | $259K | 25.0% |
| THE LOAN STORE, INC. | 5 | $2.2M | $433K | 60.0% |
| NEXERA HOLDING LLC | 5 | $2.1M | $417K | 20.0% |
| GO MORTGAGE, LLC | 5 | $1.0M | $201K | 40.0% |
| GUILD MORTGAGE COMPANY | 5 | $0.9M | $189K | 40.0% |
| First Federal | 4 | $1.6M | $400K | 25.0% |
| MOVEMENT MORTGAGE, LLC | 4 | $1.4M | $350K | 50.0% |
| MORTGAGE EXPRESS, LLC | 4 | $1.1M | $268K | 75.0% |
| Rocket Mortgage, LLC | 4 | $1.1M | $265K | 50.0% |
| GENWAY HOME MORTGAGE, INC. | 4 | $0.9M | $223K | 100.0% |
| United Wholesale Mortgage | 3 | $1.6M | $535K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 3 | $1.3M | $448K | 100.0% |
| ONPOINT COMMUNITY CREDIT UNION | 3 | $1.0M | $332K | 66.7% |
| FIRST COMMUNITY | 3 | $0.8M | $272K | 33.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | $1.8M | $890K | 50.0% |
| CHAMPIONS FUNDING, LLC | 2 | $1.4M | $725K | 50.0% |
| Hometown Equity Mortgage, LLC | 2 | $1.2M | $615K | 0.0% |
| Fairway Independent Mortgage Corporation | 2 | $1.1M | $530K | 50.0% |
| Wells Fargo Bank, National Association | 2 | $0.9M | $475K | 50.0% |
| CONVENTUS LLC | 2 | $0.8M | $425K | 100.0% |
| Kiavi Funding, Inc. | 2 | $0.7M | $350K | 100.0% |
| NEWREZ LLC | 2 | $0.7M | $350K | 0.0% |
| Citadel Servicing Corporation | 2 | $0.6M | $295K | 50.0% |
| RAIN CITY CAPITAL, LLC | 2 | $0.5M | $260K | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | $0.5M | $250K | 0.0% |
130 Oregon loans (2.7%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Yamhill County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Yamhill County CSV, all 25 lenders
What Yamhill County's table can't show you: fit. Short-term financing is exempt from HMDA, so Yamhill County's fix-and-flip and bridge lenders barely appear among its 65 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 Yamhill County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Yamhill County |
|---|---|---|---|
| Washington County, OR | 542 | 134 | Borders Yamhill County |
| Marion County, OR | 355 | 102 | Borders Yamhill County |
| Clackamas County, OR | 429 | 122 | Borders Yamhill County |
| Multnomah County, OR | 952 | 160 | About 50 miles away |
| Lincoln County, OR | 106 | 55 | About 50 miles away |
Run the coverage test on your Yamhill County, Oregon deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Yamhill County, Oregon 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 — Yamhill County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 65 lenders and 123 loans: 2025 HMDA loan-level data rolled up to Yamhill County.
- Yamhill County investor-lender dataset (CSV) — All 25 lenders in the Yamhill County, Oregon table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Yamhill 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 Portland-Vancouver-Hillsboro, OR-WA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Yamhill 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.