DSCR Loans in Yolo County, California
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, 81 lenders made 216 investment-property loans in Yolo County, 0.4% of California's total. Dominick Prevete arranges DSCR loans across Yolo County, California, 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 $450,000.
Yolo County investor market at a glance
| Statistic | Yolo County | California | County rank |
|---|---|---|---|
| Investor loans | 216 | 54,410 | 30th of 39 |
| Reporting lenders | 81 | 630 | 29th of 39 |
| Loan volume | $85.3M | $37.12B | 29th of 39 |
| Average loan | $395K | $682K | 23rd of 39 |
| Median loan | $385K | $485K | 22nd of 39 |
| Purchases | 55.1% | 51.1% | 15th of 39 |
| Cash-out refinances | 19.0% | 25.6% | 36th of 39 |
| 2–4 unit properties | 14.4% | 16.6% | 20th of 39 |
| Top five lenders' share | 35.2% | 23.2% | 10th of 39 |
| Reported business-purpose | 64.8% | 71.2% | 33rd of 39 |
Yolo County: closed-end loans on 1–4 unit investment properties. Yolo County's rank is highest first, among California's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Yolo County's investor loans.
What stands out in Yolo County
19.0% of Yolo County's investor loans were cash-out refinances, the 4th-lowest share of California's 39 counties with published data (statewide: 25.6%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
64.8% of Yolo County's investor loans were reported as business-purpose, the 7th-lowest share of California's 39 counties with published data (statewide: 71.2%).
Fewer investor loans here were reported as business-purpose than in most of California. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
Does a DSCR loan pencil in Yolo County?
At HUD's fair market rent of $2,956 for a 3-bedroom in Yolo County, California, a rental covers its full DSCR payment up to a purchase price of about $450,000, with 20% down at the 7.25% starting rate (November 2026). Yolo County's median home value is $620,700; at that price the payment is $4,042 a month, so the property would need $4,050 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) | $2,135 / $2,956 / $3,095 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $620,700 |
| Median property taxes and effective rate | $4,749 (0.77% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $4,042 |
| Rent needed to cover that payment | $4,050 |
| Coverage of a 3-bedroom at fair market rent | 0.73 |
| Highest price a 3-bedroom at fair market rent covers | about $450,000 |
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 Yolo County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Yolo County?
The most active investment-property lenders in Yolo County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Rocket Mortgage, LLC; and THE LOAN STORE, INC., out of 81 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 Yolo County, and matches each file to the one most likely to fund it.
Yolo County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 216 loans and $85.3M from 81 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Yolo County with 29 loans, 13.4% of the county's total, and the average Yolo County loan of $395K compares with $682K across California.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 29 | $10.2M | $351K | 55.2% |
| Rocket Mortgage, LLC | 18 | $6.0M | $332K | 33.3% |
| THE LOAN STORE, INC. | 12 | $5.3M | $444K | 50.0% |
| Kiavi Funding, Inc. | 9 | $3.8M | $426K | 100.0% |
| GUILD MORTGAGE COMPANY | 8 | $3.4M | $426K | 87.5% |
| JPMorgan Chase Bank, National Association | 6 | $3.0M | $505K | 50.0% |
| KIND LENDING, LLC | 6 | $2.7M | $453K | 66.7% |
| PENNYMAC LOAN SERVICES, LLC | 6 | $2.6M | $437K | 50.0% |
| INSPIRE HOME LOANS INC. | 6 | $2.6M | $433K | 100.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 5 | $1.9M | $387K | 100.0% |
| CONVENTUS LLC | 3 | $2.3M | $752K | 100.0% |
| CHAMPIONS FUNDING, LLC | 3 | $2.0M | $662K | 0.0% |
| General Mortgage Capital Corporation | 3 | $1.9M | $645K | 66.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | $1.8M | $605K | 100.0% |
| LENNAR MORTGAGE, LLC | 3 | $1.2M | $408K | 100.0% |
| EVERETT FINANCIAL, INC. | 3 | $1.0M | $332K | 66.7% |
| OCMBC, INC. | 3 | $1.0M | $328K | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 3 | $1.0M | $328K | 33.3% |
| SUMMIT FUNDING, INC. | 3 | $1.0M | $325K | 66.7% |
| FlexPoint, Inc. | 3 | $0.9M | $312K | 33.3% |
| CMG MORTGAGE, INC. | 3 | $0.9M | $285K | 66.7% |
| RESICENTRAL, LLC | 2 | $1.4M | $705K | 50.0% |
| Bank of America, National Association | 2 | $1.0M | $495K | 100.0% |
| GOOGAIN, INC. | 2 | $0.9M | $470K | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | $0.9M | $445K | 0.0% |
1,726 California loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Yolo County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Yolo County CSV, all 25 lenders
What Yolo County's table can't show you: fit. Short-term financing is exempt from HMDA, so Yolo County's fix-and-flip and bridge lenders barely appear among its 81 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 Yolo County, California deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Yolo County, California 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 — Yolo County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 81 lenders and 216 loans: 2025 HMDA loan-level data rolled up to Yolo County.
- Yolo County investor-lender dataset (CSV) — All 25 lenders in the Yolo County, California table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Yolo 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 Yolo, CA HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Yolo 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.