DSCR Loans in Yuma County, Arizona
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, 62 lenders made 261 investment-property loans in Yuma County, 2.3% of Arizona's total. Dominick Prevete arranges DSCR loans across Yuma 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 $265,000.
Yuma County investor market at a glance
| Statistic | Yuma County | Arizona | County rank |
|---|---|---|---|
| Investor loans | 261 | 11,445 | 7th of 9 |
| Reporting lenders | 62 | 505 | 8th of 9 |
| Loan volume | $51.3M | $4.44B | 7th of 9 |
| Average loan | $197K | $388K | 8th of 9 |
| Median loan | $185K | $295K | 8th of 9 |
| Purchases | 55.9% | 57.8% | 7th of 9 |
| Cash-out refinances | 26.4% | 21.1% | 2nd of 9 |
| 2–4 unit properties | 5.0% | 7.1% | 6th of 9 |
| Top five lenders' share | 46.4% | 24.8% | 1st of 9 |
| Reported business-purpose | 64.8% | 68.0% | 8th of 9 |
Yuma County: closed-end loans on 1–4 unit investment properties. Yuma County's rank is highest first, among Arizona's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Yuma County's investor loans.
What stands out in Yuma County
The five most active lenders wrote 46.4% of Yuma County's investor loans, the highest share of Arizona's 9 counties with published data (statewide: 24.8%).
Five lenders write 46.4% of the loans here, so comparing written term sheets matters more.
The average investor loan in Yuma County was $197K, the 2nd-lowest average of Arizona's 9 counties with published data (statewide: $388K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
26.4% of Yuma County's investor loans were cash-out refinances, the 2nd-highest share of Arizona's 9 counties with published data (statewide: 21.1%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
Does a DSCR loan pencil in Yuma County?
At HUD's fair market rent of $1,703 for a 3-bedroom in Yuma County, Arizona, a rental covers its full DSCR payment up to a purchase price of about $265,000, with 20% down at the 7.25% starting rate (November 2026). Yuma County's median home value is $217,800; at that price the payment is $1,390 a month, so the property would need $1,400 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) | $1,244 / $1,703 / $2,087 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $217,800 |
| Median property taxes and effective rate | $1,333 (0.61% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,390 |
| Rent needed to cover that payment | $1,400 |
| Coverage of a 3-bedroom at fair market rent | 1.22 |
| Highest price a 3-bedroom at fair market rent covers | about $265,000 |
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 Yuma County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Yuma County?
The most active investment-property lenders in Yuma County in 2025 HMDA data were NOVA FINANCIAL & INVESTMENT CORPORATION; UNITED SHORE FINANCIAL SERVICES, LLC; and CROSSCOUNTRY MORTGAGE, INC., out of 62 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 several that reported in Yuma County, and matches each file to the one most likely to fund it.
Yuma County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 261 loans and $51.3M from 62 lenders. NOVA FINANCIAL & INVESTMENT CORPORATION led Yuma County with 41 loans, 15.7% of the county's total, and the average Yuma County loan of $197K compares with $388K across Arizona.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| NOVA FINANCIAL & INVESTMENT CORPORATION | 41 | $8.8M | $214K | 53.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 34 | $6.5M | $191K | 55.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 25 | $5.0M | $198K | 88.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 12 | $2.9M | $243K | 91.7% |
| Rocket Mortgage, LLC | 9 | $1.8M | $202K | 55.6% |
| HOMEXPRESS MORTGAGE CORP. | 8 | $1.5M | $190K | 50.0% |
| MORTGAGEONE, INC. | 8 | $1.3M | $164K | 62.5% |
| Kiavi Funding, Inc. | 6 | $1.2M | $207K | 16.7% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 6 | $0.7M | $113K | 100.0% |
| CHAMPIONS FUNDING, LLC | 5 | $1.1M | $213K | 60.0% |
| GUILD MORTGAGE COMPANY | 5 | $1.0M | $195K | 60.0% |
| Zions Bancorporation, N.A. | 5 | $0.8M | $163K | 40.0% |
| EFINITY FINANCIAL INC. | 5 | $0.6M | $129K | 60.0% |
| Glacier Bank | 4 | $1.1M | $268K | 100.0% |
| A&D Mortgage LLC | 4 | $0.8M | $213K | 50.0% |
| THE LOAN STORE, INC. | 4 | $0.8M | $203K | 25.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | $0.8M | $195K | 75.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | $0.8M | $188K | 50.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | $0.6M | $138K | 25.0% |
| Cornerstone First Mortgage, Inc | 3 | $1.0M | $328K | 66.7% |
| OCMBC, INC. | 3 | $0.7M | $232K | 66.7% |
| KIND LENDING, LLC | 3 | $0.6M | $212K | 33.3% |
| GENEVA FINANCIAL, LLC | 3 | $0.6M | $198K | 66.7% |
| NEXERA HOLDING LLC | 3 | $0.6M | $185K | 33.3% |
| Home Mortgage Alliance Corporation (HMAC) | 3 | $0.5M | $152K | 33.3% |
83 Arizona loans (0.7%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Yuma County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Yuma County CSV, all 25 lenders
What Yuma County's table can't show you: fit. Short-term financing is exempt from HMDA, so Yuma County's fix-and-flip and bridge lenders barely appear among its 62 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 several 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 Yuma County, Arizona deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Yuma 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 — Yuma County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 62 lenders and 261 loans: 2025 HMDA loan-level data rolled up to Yuma County.
- Yuma County investor-lender dataset (CSV) — All 25 lenders in the Yuma County, Arizona table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Yuma 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 Yuma, AZ MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Yuma 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.