DSCR Loans in Yavapai County, Arizona
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 145 lenders made 475 investment-property loans in Yavapai County, 4.2% of Arizona's total. Dominick Prevete arranges DSCR loans across Yavapai County, Arizona, 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 $345,000.
Yavapai County investor market at a glance
| Statistic | Yavapai County | Arizona | County rank |
|---|---|---|---|
| Investor loans | 475 | 11,445 | 5th of 9 |
| Reporting lenders | 145 | 505 | 4th of 9 |
| Loan volume | $222.9M | $4.44B | 3rd of 9 |
| Average loan | $469K | $388K | 2nd of 9 |
| Median loan | $335K | $295K | 2nd of 9 |
| Purchases | 67.8% | 57.8% | 2nd of 9 |
| Cash-out refinances | 16.6% | 21.1% | 9th of 9 |
| 2–4 unit properties | 8.4% | 7.1% | 2nd of 9 |
| Top five lenders' share | 25.7% | 24.8% | 7th of 9 |
| Reported business-purpose | 66.1% | 68.0% | 7th of 9 |
Yavapai County: closed-end loans on 1–4 unit investment properties. Yavapai County's rank is highest first, among Arizona's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Yavapai County's investor loans.
What stands out in Yavapai County
16.6% of Yavapai County's investor loans were cash-out refinances, the lowest share of Arizona's 9 counties with published data (statewide: 21.1%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
67.8% of Yavapai County's investor loans were purchases, the 2nd-highest share of Arizona's 9 counties with published data (statewide: 57.8%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
The average investor loan in Yavapai County was $469K, the 2nd-highest average of Arizona's 9 counties with published data (statewide: $388K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
Does a DSCR loan pencil in Yavapai County?
At HUD's fair market rent of $2,146 for a 3-bedroom in Yavapai County, Arizona, a rental covers its full DSCR payment up to a purchase price of about $345,000, with 20% down at the 7.25% starting rate (November 2026). Yavapai County's median home value is $425,200; at that price the payment is $2,643 a month, so the property would need $2,650 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) | $1,550 / $2,146 / $2,263 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $425,200 |
| Median property taxes and effective rate | $1,750 (0.41% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,643 |
| Rent needed to cover that payment | $2,650 |
| Coverage of a 3-bedroom at fair market rent | 0.81 |
| Highest price a 3-bedroom at fair market rent covers | about $345,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $495,000 |
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 Yavapai County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Yavapai County?
The most active investment-property lenders in Yavapai County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Rocket Mortgage, LLC; and Fairway Independent Mortgage Corporation, out of 145 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 Yavapai County, and matches each file to the one most likely to fund it.
Yavapai County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 475 loans and $222.9M from 145 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Yavapai County with 40 loans, 8.4% of the county's total, and the average Yavapai County loan of $469K compares with $388K across Arizona.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 40 | $17.4M | $434K | 60.0% |
| Rocket Mortgage, LLC | 27 | $10.2M | $378K | 70.4% |
| Fairway Independent Mortgage Corporation | 22 | $11.3M | $514K | 72.7% |
| THE LOAN STORE, INC. | 18 | $9.8M | $547K | 61.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 15 | $11.6M | $770K | 66.7% |
| Kiavi Funding, Inc. | 11 | $6.0M | $549K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 11 | $5.3M | $480K | 63.6% |
| HILTON FINANCIAL CORPORATION | 11 | $2.5M | $230K | 18.2% |
| GARDNER FINANCIAL SERVICES, LTD. | 9 | $2.4M | $272K | 66.7% |
| GUILD MORTGAGE COMPANY | 9 | $2.3M | $259K | 66.7% |
| OCMBC, INC. | 8 | $5.3M | $659K | 100.0% |
| V.I.P. MORTGAGE, INC. | 8 | $2.5M | $314K | 87.5% |
| CMG MORTGAGE, INC. | 8 | $2.4M | $301K | 75.0% |
| JPMorgan Chase Bank, National Association | 7 | $4.1M | $585K | 85.7% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 7 | $3.1M | $436K | 57.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | $4.4M | $735K | 33.3% |
| MOVEMENT MORTGAGE, LLC | 6 | $4.4M | $733K | 66.7% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 6 | $2.5M | $415K | 100.0% |
| University Bank | 6 | $1.9M | $312K | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 5 | $4.9M | $973K | 40.0% |
| NEWREZ LLC | 5 | $2.8M | $567K | 80.0% |
| Charles Schwab Bank, SSB | 5 | $2.5M | $503K | 40.0% |
| GUARANTEED RATE, INC. | 5 | $2.1M | $411K | 60.0% |
| Commerce Home Mortgage, Inc. | 5 | $1.8M | $351K | 80.0% |
| CHAMPIONS FUNDING, LLC | 5 | $1.6M | $327K | 60.0% |
83 Arizona loans (0.7%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Yavapai County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Yavapai County CSV, all 25 lenders
What Yavapai County's table can't show you: fit. Short-term financing is exempt from HMDA, so Yavapai County's fix-and-flip and bridge lenders barely appear among its 145 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 Yavapai County, Arizona deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Yavapai County, Arizona 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 — Yavapai County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 145 lenders and 475 loans: 2025 HMDA loan-level data rolled up to Yavapai County.
- Yavapai County investor-lender dataset (CSV) — All 25 lenders in the Yavapai County, Arizona table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Yavapai 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 Prescott Valley-Prescott, AZ MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Yavapai 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.