Closed Transactions
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31 years in real estate finance
Dominick Prevete has personally arranged and closed 34 investor loans totaling $19,915,185 across four states between January 2025 and March 2026. Every transaction below is a real closing, listed with its leverage, coverage, credit score, rate at closing and prepayment structure. National Loan Provider is a mortgage brokerage: it arranges and places these loans with third-party lenders and does not lend.
- Closings
- 34
- Total volume
- $19,915,185
- States
- Four
- Lenders placed with
- Three
- Median rate lock to funding
- 17 days
- Of loans from repeat clients
- 65%
Every closing, with its terms
Rates shown are the rates these loans closed at, in the month shown. They are history, not current pricing — current indicative rates are on the DSCR rates page. Credit scores and coverage ratios are facts about each closed file, not program minimums. Borrowers and property addresses are never published.
| Location | Property | Purpose | Program | LTV | DSCR | Credit score | Rate at closing | Prepayment | ||
|---|---|---|---|---|---|---|---|---|---|---|
| West Palm Beach, FLRepeat client | Single-family | Cash-out refinance | DSCR30-year fixed | $644,700 | 70% | 1.23 | 717 | 6.875% | 5-year step-down | March 2026 |
| West Palm Beach, FLRepeat client | Single-family | Cash-out refinance | DSCR30-year fixed | $420,000 | 70% | 0.87 | 715 | 7.625% | 3-year declining | March 2026 |
| Jersey City, NJ | 4-unit | Purchase | DSCR5/6 ARM | $734,535 | 75% | 1.276 | 754 | 6.874% | None | February 2026 |
| West Palm Beach, FLRepeat client | Single-family | Cash-out refinance | DSCR— | $750,000 | 70% | 1.28 | 704 | 7.375% | 5-year declining | January 2026 |
| Jersey City, NJ | 2-unit | Cash-out refinance | DSCR30-year fixed | $724,500 | 70% | 1.27 | 758 | 6.624% | 3-year declining | January 2026 |
| Sussex, NJRepeat client | 4-unit | Rate-and-term refinance | DSCR30-year fixed | $450,000 | 75% | 1.68 | 694 | 7.500% | 5-year step-down | December 2025 |
| Dover, NJRepeat client | Single-family | Purchase | DSCR30-year fixed | $289,000 | 75% | 0.758 | 779 | 6.999% | None | December 2025 |
| Bloomfield, NJRepeat client | 4-unit | Purchase | DSCR30-year fixed | $672,350 | 85% | 1.00 | 772 | 7.625% | 5-year step-down | November 2025 |
| Bloomfield, NJRepeat client | 4-unit | Purchase | DSCR30-year fixed | $662,000 | 84.9% | 1.00 | 772 | 7.625% | 5-year step-down | November 2025 |
| Hopatcong, NJ | Single-family | Cash-out refinance | DSCR30-year fixed | $350,000 | 70% | 1.141 | 743 | 6.874% | 3-year declining | November 2025 |
| Morris County, NJ | Single-family | Cash-out refinance | DSCR30-year fixed, interest-only | $1,450,000 | 67% | 1.07 | 741 | 7.375% | None | October 2025 |
| Clifton, NJRepeat client | 4-unit | Cash-out refinance | DSCR30-year fixed | $526,750 | 74.7% | 1.00 | 745 | 7.249% | 3-year declining | October 2025 |
| Marion, MA | 2-unit | Purchase | DSCR30-year fixed | $305,000 | 43.6% | 1.805 | 779 | 6.499% | 3-year declining | October 2025 |
| Newark, NJ | 3-unit | Cash-out refinance | DSCR30-year fixed | $275,000 | 36.1% | 1.444 | 692 | 6.874% | 3-year declining | October 2025 |
| West Orange, NJRepeat client | 4-unit | Rate-and-term refinance | DSCR30-year fixed | $799,500 | 75% | 1.238 | 733 | 7.374% | 3-year declining | September 2025 |
| West Palm Beach, FLRepeat client | Single-family | Cash-out refinance | DSCR30-year fixed | $672,000 | 70% | 1.68 | 718 | 7.500% | 5-year step-down | September 2025 |
| Bloomfield, NJRepeat client | 3-unit | Cash-out refinance | DSCR30-year fixed | $520,000 | 73.2% | 1.012 | 733 | 7.374% | 3-year declining | September 2025 |
| Mendham, NJ | Single-family | Cash-out refinance | DSCR5/6 ARM | $435,000 | 60% | 1.061 | 774 | 6.999% | None | September 2025 |
| West Palm Beach, FLRepeat client | Single-family | Cash-out refinance | DSCR30-year fixed | $840,000 | 70% | 1.12 | 718 | 7.625% | 5-year step-down | August 2025 |
| Dover, NJRepeat client | 4-unit | Cash-out refinance | DSCR5/6 ARM | $536,250 | 65% | 1.521 | 785 | 6.874% | 3-year declining | August 2025 |
| West Palm Beach, FL | Single-family short-term rental | — | DSCR— | $975,000 | — | — | — | 8.250%‡ | 5-year | June 2025 |
| West Palm Beach, FLRepeat client | Single-family | Cash-out refinance | DSCR30-year fixed | $665,000 | 70% | 1.11 | 703 | 7.250% | 5-year step-down | June 2025 |
| Paterson, NJRepeat client | 3-unit | Cash-out refinance | DSCR5/6 ARM | $533,700 | 60% | 1.914 | 692 | 7.124% | 3-year declining | June 2025 |
| Paterson, NJRepeat client | 3-unit | Cash-out refinance | DSCR5/6 ARM | $533,700 | 60% | 1.798 | 692 | 7.124% | 3-year declining | June 2025 |
| Paterson, NJRepeat client | 3-unit | Cash-out refinance | DSCR5/6 ARM | $533,700 | 60% | 1.809 | 692 | 7.124% | 3-year declining | June 2025 |
| North Bergen, NJ | 2-unit | Cash-out refinance | DSCR5/6 ARM | $740,400 | 60% | 1.067 | 780 | 7.499% | 3-year declining | May 2025 |
| Paterson, NJRepeat client | 3-unit | Cash-out refinance | DSCR5/6 ARM | $533,700 | 60% | 1.927 | 692 | 7.374% | 3-year declining | May 2025 |
| Paterson, NJRepeat client | 3-unit | Cash-out refinance | DSCR5/6 ARM | $533,700 | 60% | 1.23 | 692 | 7.374% | 3-year declining | May 2025 |
| Paterson, NJRepeat client | 3-unit | Cash-out refinance | DSCR5/6 ARM | $533,700 | 60% | 1.893 | 692 | 7.374% | 3-year declining | May 2025 |
| Orange, NJ | 2-unit | Cash-out refinance | DSCR30-year fixed | $468,000 | 64.1% | 1.017 | 734 | 7.624% | 3-year declining | May 2025 |
| Philadelphia, PA | 2-unit | Purchase | DSCR30-year fixed | $234,000 | 75% | 1.148 | 761 | 8.499%† | None | May 2025 |
| Dover, NJRepeat client | 3-unit | Purchase | DSCR5/6 ARM | $612,000 | 80% | 1.584 | 790 | 6.999% | 3-year declining | April 2025 |
| Dover, NJRepeat client | 2-unit | Cash-out refinance | DSCR5/6 ARM | $518,000 | 70% | 1.445 | 798 | 6.999% | 3-year declining | March 2025 |
| Barnegat, NJ | Single-family short-term rental | Purchase | Bank statement30-year fixed | $444,000 | 80% | Not applicable | 785 | 7.499% | 5-year declining | January 2025 |
† Philadelphia, PA: a $234,000 small-balance purchase with no prepayment penalty. Both push a rate above the rest of the set; it closed at 8.499% in May 2025.
‡ West Palm Beach, FL: a short-term rental just under $1M, qualified on short-term-rental income rather than a lease. It closed at 8.250% in June 2025.
An em dash marks a value that was not captured on the file. Filter by purpose, state or program, or sort by amount or month; every row is in the page whether or not it is shown.
Can a DSCR loan close when the rent doesn't cover the payment?
Yes. Two of the 34 closings here had coverage below 1.00: a New Jersey single-family purchase at 0.758 coverage and 75% leverage and a Florida single-family cash-out refinance at 0.87 coverage and 70% leverage. They were placed with two different lenders. Both files closed at the leverage and the rate the table shows — coverage under 1.00 changed the terms, not the outcome.
What does a credit score under 700 do to a DSCR loan?
Eight closings carried credit scores of 692 to 694. Same score band, different outcomes: a Newark cash-out refinance at 36.1% leverage closed at 6.874%, while six Paterson cash-out refinances at 60% leverage closed between 7.124% and 7.374%. Leverage moved the rate more than the score did. These are observations about these files, not a rule about what a score does.
How high can leverage go?
The two highest-leverage closings here are both 4-unit purchases in Bloomfield, New Jersey: 85% and 84.9%, each with coverage of exactly 1.00. What leverage a program offers today, by program, is on the DSCR rates page; this page records what closed.
How fast does a DSCR loan close?
Rate lock to funding was captured on 22 of the 34 closings. The fastest funded in 7 days, the median was 17 days and the longest 36 days. The long tail is almost always the appraisal or a title condition, not the underwriting.
What does the prepayment choice cost?
Two closings for the same repeat client, in the same city, with the same lender, in the same month — West Palm Beach, March 2026 — both 70% cash-out refinances on single-family rentals. The file with 0.87 coverage and a 3-year declining prepayment closed at 7.625%; the file with 1.23 coverage and a 5-year step-down closed at 6.875%. The coverage difference and the longer prepayment structure each did some of that work; the table cannot separate them, and neither can a rate sheet without pricing the file both ways. How the prepayment structures trade against rate is on the DSCR rates page.
Is every deal here a DSCR loan?
No. One of the 34 — a single-family short-term rental purchase in Barnegat, New Jersey at 80% leverage — closed as a bank statement loan, qualified on 24 months of business bank statements rather than the property's rent. That route fits a self-employed investor whose property has no rental history yet to underwrite, or whose deposits tell a clearer story than a lease would.
22 of 34 loans were for repeat clients
Five investors account for 65% of the closings on this page. Three of them, without names, streets or employers:
Six buildings, two closings, one month.
A Paterson investor refinanced six 3-unit buildings — 18 units — in two closings a month apart, every loan at 60% leverage, with a credit score of 692.
One investor, two states, seven loans.
Six West Palm Beach cash-out refinances and a New Jersey 4-unit rate-and-term refinance between June 2025 and March 2026, including one property refinanced twice as its value rose.
Refinance, then buy — twice.
A Dover investor closed a cash-out refinance on a 2-unit, then a purchase of a 3-unit at 80% leverage, then a cash-out refinance on a 4-unit, then a purchase of a single-family at 75% leverage — four loans in nine months.
Closed-transaction questions
Who lent on these transactions?+
Third-party lenders — three different ones across the set. National Loan Provider is a mortgage brokerage: it arranged, structured and placed every loan on this page and made no credit decision on any of them.
Are the rates on this page available today?+
No. Each rate is the rate that file closed at, in the month shown, and it is published as history. Current indicative rates by program, dated, are on the DSCR rates page at dominickprevete.com/dscr-rates.
What do the credit scores on this page mean?+
Each is the score the file closed with — the higher score where there were two borrowers. They describe these closed loans, not what a program requires: credit score is one input weighed against leverage, coverage and the prepayment structure, and the table shows how differently files at the same score priced.
How fast did these loans close?+
Rate lock to funding was captured on 22 of the 34 closings. The fastest funded in 7 days, the median was 17 days and the longest 36 days.
Why are borrowers and property addresses not shown?+
Every closing here is a real file on a real property, and both stay private. The page publishes the terms of each loan — location to the city or county, property type, purpose, program, amount, leverage, coverage, credit score, rate at closing, prepayment and month — and nothing that identifies the borrower or the property.
Can I get a term sheet on a deal like one of these?+
Yes. Pre-approved in minutes. No hard credit pull at application. Written term sheet within 24 hours — rate, leverage, and structure. Every file is priced on its own facts; a closing on this page is a reference point, not an offer.
Every deal here is structured personally by Dominick Prevete — 31 years in real estate finance, $2B+ closed, 100+ lender relationships.
National Loan Provider arranges business-purpose investor financing in all 50 states.
Have a deal like one of these?
Pre-approved in minutes. No hard credit pull at application. Written term sheet within 24 hours — rate, leverage, and structure.
Send the property, the rent and the loan you are after. A term sheet is non-binding and subject to underwriting, appraisal and full diligence; every closing on this page started as one. No fee, and no hard credit pull to find out where your file lands.
Prefer to talk it through? (908) 220-6404.
Loans are for business purposes only and are not subject to TILA, RESPA, or HOEPA. Not for primary residences. Equal Housing Opportunity. All loans subject to underwriting approval. Rates and terms shown for illustration; actual rates depend on deal specifics. National Loan Provider does not arrange financing on owner-occupied residential properties. Every loan we arrange is business-purpose investor financing.