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.
A further 28 closings totaling $9,807,840 were arranged by the loan officers on Dominick's team at National Loan Provider, across eleven states. They are listed separately below. Together the two sets cover 62 closings and $29,723,025 in twelve states.
- Closed by Dominick personally
- 34
- Personal volume
- $19,915,185
- States, personal
- Four
- Lenders placed with
- Three
- Median rate lock to funding
- 17 days
- Of loans from repeat clients
- 65%
- Team closings
- 28
- Combined volume
- $29,723,025
Eighteen of these closings are written up as four case studies.
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 clientCase study → | 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 clientCase study → | 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 clientCase study → | 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 clientCase study → | Single-family | Purchase | DSCR30-year fixed | $289,000 | 75% | 0.758 | 779 | 6.999% | None | December 2025 |
| Bloomfield, NJRepeat clientCase study → | 4-unit | Purchase | DSCR30-year fixed | $672,350 | 85% | 1.00 | 772 | 7.625% | 5-year step-down | November 2025 |
| Bloomfield, NJRepeat clientCase study → | 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 clientCase study → | 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 clientCase study → | Single-family | Cash-out refinance | DSCR30-year fixed | $840,000 | 70% | 1.12 | 718 | 7.625% | 5-year step-down | August 2025 |
| Dover, NJRepeat clientCase study → | 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 clientCase study → | Single-family | Cash-out refinance | DSCR30-year fixed | $665,000 | 70% | 1.11 | 703 | 7.250% | 5-year step-down | June 2025 |
| Paterson, NJRepeat clientCase study → | 3-unit | Cash-out refinance | DSCR5/6 ARM | $533,700 | 60% | 1.914 | 692 | 7.124% | 3-year declining | June 2025 |
| Paterson, NJRepeat clientCase study → | 3-unit | Cash-out refinance | DSCR5/6 ARM | $533,700 | 60% | 1.798 | 692 | 7.124% | 3-year declining | June 2025 |
| Paterson, NJRepeat clientCase study → | 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 clientCase study → | 3-unit | Cash-out refinance | DSCR5/6 ARM | $533,700 | 60% | 1.927 | 692 | 7.374% | 3-year declining | May 2025 |
| Paterson, NJRepeat clientCase study → | 3-unit | Cash-out refinance | DSCR5/6 ARM | $533,700 | 60% | 1.23 | 692 | 7.374% | 3-year declining | May 2025 |
| Paterson, NJRepeat clientCase study → | 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 clientCase study → | 3-unit | Purchase | DSCR5/6 ARM | $612,000 | 80% | 1.584 | 790 | 6.999% | 3-year declining | April 2025 |
| Dover, NJRepeat clientCase study → | 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.
Which of the two a file qualifies on is an arithmetic question, worked both ways on DSCR loan vs bank statement loan.
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.
What has Dominick's team closed?
The loan officers on Dominick's team at National Loan Provider closed 28 investor loans totaling $9,807,840 across eleven states between January 2026 and September 2026: 21 DSCR loans, six fix-and-flip loans and one ground-up construction loan. Every closing is listed below with its terms and a deal note.
Rates shown are the rates these loans closed at, in the month shown — history, not current pricing. Leverage on a rehab loan is shown as the file reported it: a share of the purchase price or value plus the rehab budget. Coverage, credit score and prepayment were not reported on most of these files and are not columns here; where a file did report one, its deal note says so, as a fact about that file and not a minimum. Days to close is the figure the team reported for each file. Borrowers, property addresses and loan officers are never published.
| Location | Property | Loan type | Program | Leverage | Rate at closing | Days to close | ||
|---|---|---|---|---|---|---|---|---|
| Salt Lake City, UT | 5-unit | Cash-out refinance | DSCR30-year fixed | $961,350 | 65% | 7.750% | — | September 2026 |
| Belleville, NJ | 2-unit | Cash-out refinance | DSCR— | $507,200 | 60% | 6.375% | 12 | August 2026 |
| Paterson, NJ | 2-unit | Purchase | DSCR30-year fixed | $442,500 | 75% | 6.500% | 22 | August 2026 |
| Byram Township, NJ | Single-family | Refinance and rehab | Fix and flip12 months | $258,525 | 85% of value + 100% of rehab | 9.750% | 19 | August 2026 |
| Gloversville, NY | Former museum, zoned residential | Purchase and rehab | Fix and flip12 months | $220,070 | 50% of price + 100% of rehab | 9.750% | — | August 2026 |
| Fayetteville, TN | Single-family | Cash-out refinance | DSCR— | $140,000 | 50% | 6.375% | 19 | August 2026 |
| Hillsboro Beach, FL | Condo | Cash-out refinance | DSCR30-year fixed | $730,000 | 73% | 8.990% | — | July 2026 |
| Trumbull, CT | Single-family | Cash-out refinance | DSCR30-year fixed | $480,000 | 75% | 6.499% | 17 | July 2026 |
| Tallahassee, FL | 2-unit | Rate-and-term refinance | DSCR30-year fixed | $181,850 | 62% | 6.250% | — | July 2026 |
| Detroit, MI | 2-unit | Cash-out refinance | DSCR30-year fixed | $93,000 | 60% | 7.360% | 10 | July 2026 |
| Fort Lauderdale, FL | 4-unit | Cash-out refinance | DSCR30-year fixed | $675,000 | 50% | 5.874% | — | June 2026 |
| Somersworth, NH | 2-unit | Cash-out refinance | DSCR30-year fixed | $350,000 | 68% | 7.125% | 23 | June 2026 |
| Cleveland, OH | Four single-family homes, one loan | Refinance | DSCRForeign national30-year fixed | $226,100 | 70% | 7.500% | — | June 2026 |
| Conyers, GA | Single-family | Cash-out refinance | DSCR30-year fixed | $180,000 | 50% | 8.250% | — | June 2026 |
| Canajoharie, NY | 4-unit | Purchase | DSCR30-year fixed | $75,000 | 75% | 7.570% | — | June 2026 |
| Nunnelly, TN | Single-family | New construction | Ground-up construction12 months | $251,770 | — | 11.440% | — | May 2026 |
| Tallahassee, FL | Single-family | Cash-out refinance | DSCR30-year fixed | $163,200 | 60% | 6.125% | 16 | May 2026 |
| Canajoharie, NY | 4-unit | Purchase and rehab | Fix and flip12 months | $96,000 | 85% of price + 100% of rehab | 9.750% | — | April 2026 |
| South Orange, NJ | 3-unit | Cash-out refinance | DSCR30-year fixed | $590,000 | 70% | 5.990% | 17 | March 2026 |
| Keyport, NJ | Single-family | Purchase and rehab | Fix and flip12 months | $438,225 | 90% of price + 100% of rehab | 9.750% | 24 | March 2026 |
| South Bound Brook, NJ | 3-unit | Cash-out refinance | DSCR30-year fixed | $420,000 | 65% | 5.990% | 17 | March 2026 |
| Fayetteville, TN | Single-family | Cash-out refinance | DSCR30-year fixed | $160,500 | 70% | 6.375% | 21 | March 2026 |
| Philadelphia, PA | Single-family | Cash-out refinance | DSCR30-year fixed | $144,950 | 65% | 7.510% | — | March 2026 |
| Sparta, NJ | Single-family | Cash-out refinance | DSCR5/6 ARM | $350,000 | 75% | 6.624% | — | February 2026 |
| Tinton Falls, NJ | Single-family | Purchase and rehab | Fix and flip12 months | $816,850 | 85% of price + 100% of rehab | 10.250% | 20 | January 2026 |
| Hillsboro Beach, FL | Condo | Purchase and rehab | Fix and flip12 months | $612,000 | — | 10.990% | — | January 2026 |
| East Stroudsburg, PA | Single-family | Purchase | DSCR30-year fixed | $149,250 | 75% | 7.425% | — | January 2026 |
| Fort Plain, NY | Single-family | Cash-out refinance | DSCR30-year fixed | $94,500 | 75% | 6.810% | — | January 2026 |
An em dash marks a value the team did not report for the file. Filter by loan type, state or program, or sort by amount or month; every row is in the page whether or not it is shown.
Deal notes
One note per closing, newest first. Each links to the program page for that loan type.
Salt Lake City, UT · September 2026 · DSCR
A five-unit property usually gets pushed into full commercial underwriting. This cash-out was arranged as a DSCR loan instead — no tax returns, no commercial underwriting — and closed at 65% leverage.
DSCR loans →Belleville, NJ · August 2026 · DSCR
Qualified on the market rent in the appraisal rather than rent receipts, and closed at 60% leverage in 12 days.
DSCR loans →Paterson, NJ · August 2026 · DSCR
A two-unit purchase qualified on the property's own income, closed at 75% leverage.
DSCR loans →Byram Township, NJ · August 2026 · Fix and flip
A refinance-and-rehab loan covering 85% of the property's value plus the full rehab budget.
Fix-and-flip loans →Gloversville, NY · August 2026 · Fix and flip
An unusual asset: a former museum building zoned residential. The loan placed covered 50% of the purchase price and the full rehab budget.
Fix-and-flip loans →Fayetteville, TN · August 2026 · DSCR
A vacant single-family home, qualified on market rent, closed at 50% leverage in 19 days.
DSCR loans →Hillsboro Beach, FL · July 2026 · DSCR
Coverage on this condo was 0.75 — the rent did not cover the payment. It still closed, at 73% leverage, with no prepayment penalty so the owner can sell or refinance at any time.
DSCR loans →Trumbull, CT · July 2026 · DSCR
The borrower wanted a better rate than a long-standing lender relationship was offering. The refinance arranged improved the rate, returned $50,000 in cash at closing, and closed in 17 days.
DSCR loans →Tallahassee, FL · July 2026 · DSCR
A rate-and-term refinance that replaced a 7.625% loan with a 30-year fixed at 6.25%, lowering the monthly payment.
DSCR loans →Detroit, MI · July 2026 · DSCR
An investor with several Detroit rentals who had not used a DSCR loan before. The cash-out freed equity for further purchases and closed in 10 days.
DSCR loans →Fort Lauderdale, FL · June 2026 · DSCR
A four-unit Section 8 property carrying a 7.375% loan was refinanced into a 30-year fixed at 5.874%, qualified on rental income alone, returning $140,000 in cash for the investor's next purchase.
DSCR loans →Somersworth, NH · June 2026 · DSCR
A cash-out refinance on a two-unit property, closed at 68% leverage in 23 days.
DSCR loans →Cleveland, OH · June 2026 · DSCR · Foreign national
A foreign-national investor refinanced four Cleveland single-family homes on a single 30-year fixed loan, qualified on the properties' income with no U.S. income documentation.
Foreign national DSCR loans →Conyers, GA · June 2026 · DSCR
This file carried a credit score of 607. Because a DSCR loan is sized on the property's income, a cash-out at 50% leverage was still placed.
DSCR loans →Canajoharie, NY · June 2026 · DSCR
A four-unit property valued at only $100,000 — below most lenders' minimums. Qualified on its own income and closed at 75% leverage.
DSCR loans →Nunnelly, TN · May 2026 · Ground-up construction
A 12-month construction loan placed for a ground-up single-family build.
Ground-up construction loans →Tallahassee, FL · May 2026 · DSCR
A single-family cash-out at 60% leverage on a 30-year fixed, closed in 16 days.
DSCR loans →Canajoharie, NY · April 2026 · Fix and flip
A purchase-and-rehab loan on a four-unit property covering 85% of the purchase price and the full rehab budget.
Fix-and-flip loans →South Orange, NJ · March 2026 · DSCR
These investors first asked for a commercial loan to buy a six-unit building, and the numbers did not work. Refinancing a three-unit property they already owned freed the equity to buy it instead.
DSCR loans →Keyport, NJ · March 2026 · Fix and flip
A purchase-and-rehab loan covering 90% of the purchase price and the full rehab budget, closed in 24 days.
Fix-and-flip loans →South Bound Brook, NJ · March 2026 · DSCR
The second of two cash-outs closed together for the same investors, pulling equity from a second three-unit property to fund an all-cash purchase.
DSCR loans →Fayetteville, TN · March 2026 · DSCR
A single-family cash-out at 70% leverage on a 30-year fixed, closed in 21 days.
DSCR loans →Philadelphia, PA · March 2026 · DSCR
A single-family cash-out at 65% leverage on a 30-year fixed.
DSCR loans →Sparta, NJ · February 2026 · DSCR
A single-family cash-out at 75% leverage on a 5/6 ARM.
DSCR loans →Tinton Falls, NJ · January 2026 · Fix and flip
A purchase-and-rehab loan covering 85% of the purchase price and the full rehab budget, closed in 20 days.
Fix-and-flip loans →Hillsboro Beach, FL · January 2026 · Fix and flip
A 12-month purchase-and-rehab loan on a beachfront condo.
Fix-and-flip loans →East Stroudsburg, PA · January 2026 · DSCR
A rural single-family purchase at 75% leverage on a 30-year fixed.
DSCR loans →Fort Plain, NY · January 2026 · DSCR
A single-family cash-out at 75% leverage on a 30-year fixed.
DSCR loans →
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.
How much of a rehab budget can a fix-and-flip loan cover?+
In the five rehab closings by Dominick's team here that reported their leverage, the full rehab budget was financed alongside 50–90% of the purchase price or value, on 12-month fix-and-flip loans. Each figure is what one file closed at; what a program offers today depends on the deal, the borrower's experience and the lender selected.
Can a DSCR loan work for a five-unit property or a foreign national?+
Yes. A 5-unit property in Salt Lake City, Utah closed as a DSCR cash-out refinance at 65% leverage in September 2026, with no tax returns and no commercial underwriting. Four single-family homes in Cleveland, Ohio were refinanced by a foreign-national investor on one 30-year fixed DSCR loan at 70% leverage in June 2026, qualified on the properties' income with no U.S. income documentation. Both were closed by Dominick's team and are in the team table above.
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, including regional leadership of a business generating over $2 billion in annual sales volume, and 100+ bank and institutional lender relationships.
Dominick Prevete 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.