DSCR Loans in Brevard County, Florida
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 198 lenders made 1,153 investment-property loans in Brevard County, 2.3% of Florida's total. Dominick Prevete arranges DSCR loans across Brevard 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 $365,000.
Brevard County investor market at a glance
| Statistic | Brevard County | Florida | County rank |
|---|---|---|---|
| Investor loans | 1,153 | 49,114 | 12th of 39 |
| Reporting lenders | 198 | 1,090 | 17th of 39 |
| Loan volume | $309.4M | $18.15B | 16th of 39 |
| Average loan | $268K | $370K | 25th of 39 |
| Median loan | $225K | $265K | 26th of 39 |
| Purchases | 61.1% | 64.1% | 29th of 39 |
| Cash-out refinances | 21.1% | 20.8% | 12th of 39 |
| 2–4 unit properties | 6.2% | 7.8% | 25th of 39 |
| Top five lenders' share | 28.6% | 23.8% | 21st of 39 |
| Reported business-purpose | 77.5% | 79.8% | 21st of 39 |
Brevard County: closed-end loans on 1–4 unit investment properties. Brevard County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Brevard County's investor loans.
What stands out in Brevard County
Brevard County's 1,153 investor loans ranked 12th of Florida's 39 counties with published data.
Does a DSCR loan pencil in Brevard County?
At HUD's fair market rent of $2,382 for a 3-bedroom in Brevard County, Florida, a rental covers its full DSCR payment up to a purchase price of about $365,000, with 20% down at the 7.25% starting rate (November 2026). Brevard County's median home value is $339,600; at that price the payment is $2,187 a month, so the property would need $2,200 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) | $1,779 / $2,382 / $2,707 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $339,600 |
| Median property taxes and effective rate | $2,311 (0.68% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,187 |
| Rent needed to cover that payment | $2,200 |
| Coverage of a 3-bedroom at fair market rent | 1.09 |
| Highest price a 3-bedroom at fair market rent covers | about $365,000 |
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 Brevard County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Brevard County?
The most active investment-property lenders in Brevard County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Kiavi Funding, Inc.; and RF RENOVO MANAGEMENT COMPANY, LLC, out of 198 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 Brevard County, and matches each file to the one most likely to fund it.
Brevard County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,153 loans and $309.4M from 198 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Brevard County with 108 loans, 9.4% of the county's total, and the average Brevard County loan of $268K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 108 | $25.6M | $237K | 61.1% |
| Kiavi Funding, Inc. | 77 | $18.7M | $242K | 80.5% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 56 | $14.7M | $262K | 62.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 46 | $11.4M | $248K | 73.9% |
| Rocket Mortgage, LLC | 43 | $8.4M | $196K | 51.2% |
| THE MORTGAGE FIRM, INC. | 32 | $8.7M | $271K | 90.6% |
| A&D Mortgage LLC | 31 | $8.2M | $264K | 77.4% |
| DEEPHAVEN MORTGAGE LLC | 28 | $9.8M | $348K | 60.7% |
| NEWREZ LLC | 27 | $6.1M | $225K | 55.6% |
| CHAMPIONS FUNDING, LLC | 25 | $6.3M | $251K | 44.0% |
| OCMBC, INC. | 19 | $5.9M | $308K | 42.1% |
| HOMEXPRESS MORTGAGE CORP. | 19 | $3.9M | $206K | 26.3% |
| LIMA ONE CAPITAL, LLC | 17 | $4.3M | $251K | 11.8% |
| THE LOAN STORE, INC. | 17 | $4.1M | $244K | 82.4% |
| EMBRACE HOME LOANS, INC. | 15 | $4.3M | $287K | 100.0% |
| Hometown Equity Mortgage, LLC | 15 | $4.1M | $271K | 46.7% |
| PENNYMAC LOAN SERVICES, LLC | 14 | $4.4M | $314K | 64.3% |
| Easy Street Capital, LLC | 14 | $2.6M | $187K | 0.0% |
| Loan Funder LLC | 13 | $4.8M | $366K | 92.3% |
| AMWEST FUNDING CORP. | 13 | $3.9M | $303K | 53.8% |
| SPACE COAST CREDIT UNION | 13 | $3.1M | $241K | 69.2% |
| CV3 FINANCIAL SERVICES, LLC | 12 | $6.5M | $542K | 50.0% |
| LENDSURE MORTGAGE CORP. | 11 | $3.5M | $316K | 18.2% |
| Commerce Home Mortgage, Inc. | 11 | $3.2M | $288K | 63.6% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 11 | $2.9M | $264K | 63.6% |
1,098 Florida loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Brevard County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Brevard County CSV, all 25 lenders
What Brevard County's table can't show you: fit. Short-term financing is exempt from HMDA, so Brevard County's fix-and-flip and bridge lenders barely appear among its 198 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 Brevard County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Brevard 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 — Brevard County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 198 lenders and 1,153 loans: 2025 HMDA loan-level data rolled up to Brevard County.
- Brevard County investor-lender dataset (CSV) — All 25 lenders in the Brevard County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Brevard 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 Palm Bay-Melbourne-Titusville, FL MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Brevard 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.