DSCR Loans in Alachua County, Florida
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 109 lenders made 349 investment-property loans in Alachua County, 0.7% of Florida's total. Dominick Prevete arranges DSCR loans across Alachua County, Florida, 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 $270,000.
Alachua County investor market at a glance
| Statistic | Alachua County | Florida | County rank |
|---|---|---|---|
| Investor loans | 349 | 49,114 | 31st of 39 |
| Reporting lenders | 109 | 1,090 | 31st of 39 |
| Loan volume | $82.1M | $18.15B | 35th of 39 |
| Average loan | $235K | $370K | 33rd of 39 |
| Median loan | $205K | $265K | 32nd of 39 |
| Purchases | 69.1% | 64.1% | 13th of 39 |
| Cash-out refinances | 19.2% | 20.8% | 21st of 39 |
| 2–4 unit properties | 13.5% | 7.8% | 4th of 39 |
| Top five lenders' share | 22.1% | 23.8% | 35th of 39 |
| Reported business-purpose | 72.2% | 79.8% | 32nd of 39 |
Alachua County: closed-end loans on 1–4 unit investment properties. Alachua County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Alachua County's investor loans.
What stands out in Alachua County
13.5% of Alachua County's investor loans financed a 2–4 unit property, the 4th-highest share of Florida's 39 counties with published data (statewide: 7.8%).
2–4 unit properties are a larger share here than in most of Florida. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
The five most active lenders wrote 22.1% of Alachua County's investor loans, the 5th-lowest share of Florida's 39 counties with published data (statewide: 23.8%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
The average investor loan in Alachua County was $235K, the 7th-lowest average of Florida's 39 counties with published data (statewide: $370K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Alachua County?
At HUD's fair market rent of $1,806 for a 3-bedroom in Alachua County, Florida, a rental covers its full DSCR payment up to a purchase price of about $270,000, with 20% down at the 7.25% starting rate (November 2026). Alachua County's median home value is $288,800; at that price the payment is $1,928 a month, so the property would need $1,950 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) | $1,471 / $1,806 / $1,933 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $288,800 |
| Median property taxes and effective rate | $2,773 (0.96% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,928 |
| Rent needed to cover that payment | $1,950 |
| Coverage of a 3-bedroom at fair market rent | 0.94 |
| Highest price a 3-bedroom at fair market rent covers | about $270,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $440,000 |
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 Alachua County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Alachua County?
The most active investment-property lenders in Alachua County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Rocket Mortgage, LLC; and CAMPUS USA CREDIT UNION, out of 109 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 Alachua County, and matches each file to the one most likely to fund it.
Alachua County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 349 loans and $82.1M from 109 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Alachua County with 18 loans, 5.2% of the county's total, and the average Alachua County loan of $235K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 18 | $3.2M | $177K | 72.2% |
| Rocket Mortgage, LLC | 17 | $2.7M | $161K | 41.2% |
| CAMPUS USA CREDIT UNION | 15 | $2.0M | $134K | 66.7% |
| DEEPHAVEN MORTGAGE LLC | 14 | $3.1M | $219K | 28.6% |
| Kiavi Funding, Inc. | 13 | $2.7M | $209K | 76.9% |
| LENNAR MORTGAGE, LLC | 12 | $2.3M | $195K | 100.0% |
| DHI MORTGAGE COMPANY, LTD. | 10 | $2.5M | $249K | 100.0% |
| A&D Mortgage LLC | 10 | $2.2M | $224K | 70.0% |
| OCMBC, INC. | 10 | $1.8M | $181K | 90.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 8 | $2.3M | $281K | 75.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 7 | $1.5M | $221K | 100.0% |
| AMWEST FUNDING CORP. | 7 | $1.5M | $214K | 71.4% |
| Ameris Bank | 7 | $1.4M | $202K | 71.4% |
| Hometown Equity Mortgage, LLC | 7 | $0.9M | $131K | 14.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | $1.3M | $217K | 100.0% |
| THE LOAN STORE, INC. | 6 | $1.3M | $215K | 66.7% |
| SouthState Bank, National Association | 5 | $2.6M | $519K | 100.0% |
| CHAMPIONS FUNDING, LLC | 5 | $2.2M | $435K | 80.0% |
| Commerce Home Mortgage, Inc. | 5 | $1.8M | $357K | 100.0% |
| Florida Credit Union | 5 | $1.0M | $199K | 80.0% |
| Wells Fargo Bank, National Association | 5 | $0.8M | $167K | 80.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 5 | $0.8M | $159K | 100.0% |
| NEXERA HOLDING LLC | 4 | $1.4M | $340K | 50.0% |
| Mortgage Lenders Investment Trading Corporation | 4 | $1.2M | $293K | 100.0% |
| CLEAREDGE LENDING LLC | 4 | $1.0M | $240K | 75.0% |
1,098 Florida loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Alachua County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Alachua County CSV, all 25 lenders
What Alachua County's table can't show you: fit. Short-term financing is exempt from HMDA, so Alachua County's fix-and-flip and bridge lenders barely appear among its 109 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 Alachua County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Alachua County, Florida 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 — Alachua County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 109 lenders and 349 loans: 2025 HMDA loan-level data rolled up to Alachua County.
- Alachua County investor-lender dataset (CSV) — All 25 lenders in the Alachua County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Alachua 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 Gainesville, FL HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Alachua 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.