DSCR Loans in Broward County, Florida
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 278 lenders made 3,526 investment-property loans in Broward County, 7.2% of Florida's total. Dominick Prevete arranges DSCR loans across Broward 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 $475,000.
Broward County investor market at a glance
| Statistic | Broward County | Florida | County rank |
|---|---|---|---|
| Investor loans | 3,526 | 49,114 | 2nd of 39 |
| Reporting lenders | 278 | 1,090 | 5th of 39 |
| Loan volume | $1.54B | $18.15B | 2nd of 39 |
| Average loan | $437K | $370K | 7th of 39 |
| Median loan | $335K | $265K | 5th of 39 |
| Purchases | 60.1% | 64.1% | 33rd of 39 |
| Cash-out refinances | 26.5% | 20.8% | 5th of 39 |
| 2–4 unit properties | 11.7% | 7.8% | 6th of 39 |
| Top five lenders' share | 32.1% | 23.8% | 9th of 39 |
| Reported business-purpose | 84.4% | 79.8% | 3rd of 39 |
Broward County: closed-end loans on 1–4 unit investment properties. Broward County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Broward County's investor loans.
What stands out in Broward County
By share of investor loans reported as business-purpose, Broward County ranks 3rd-highest of Florida's 39 counties with published data (statewide: 79.8%).
84.4% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
26.5% of Broward County's investor loans were cash-out refinances, the 5th-highest share of Florida's 39 counties with published data (statewide: 20.8%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
The median investor loan in Broward County was $335K, the 5th-highest median of Florida's 39 counties with published data (statewide: $265K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
Does a DSCR loan pencil in Broward County?
At HUD's fair market rent of $3,172 for a 3-bedroom in Broward County, Florida, a rental covers its full DSCR payment up to a purchase price of about $475,000, with 20% down at the 7.25% starting rate (November 2026). Broward County's median home value is $414,600; at that price the payment is $2,760 a month, so the property would need $2,775 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) | $2,321 / $3,172 / $3,662 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $414,600 |
| Median property taxes and effective rate | $3,890 (0.94% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,760 |
| Rent needed to cover that payment | $2,775 |
| Coverage of a 3-bedroom at fair market rent | 1.15 |
| Highest price a 3-bedroom at fair market rent covers | about $475,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $695,000 |
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 Broward County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Broward County?
The most active investment-property lenders in Broward County in 2025 HMDA data were A&D Mortgage LLC; UNITED SHORE FINANCIAL SERVICES, LLC; and Kiavi Funding, Inc., out of 278 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 Broward County, and matches each file to the one most likely to fund it.
Broward County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 3,526 loans and $1.54B from 278 lenders. A&D Mortgage LLC led Broward County with 457 loans, 13.0% of the county's total, and the average Broward County loan of $437K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| A&D Mortgage LLC | 457 | $140.0M | $306K | 64.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 278 | $101.2M | $364K | 57.2% |
| Kiavi Funding, Inc. | 141 | $59.6M | $423K | 87.2% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 130 | $46.8M | $360K | 54.6% |
| CHAMPIONS FUNDING, LLC | 127 | $59.6M | $469K | 40.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 111 | $53.5M | $482K | 90.1% |
| Hometown Equity Mortgage, LLC | 103 | $44.6M | $433K | 47.6% |
| THE LOAN STORE, INC. | 88 | $36.6M | $416K | 54.5% |
| Citadel Servicing Corporation | 83 | $36.1M | $434K | 59.0% |
| DEEPHAVEN MORTGAGE LLC | 81 | $24.7M | $305K | 40.7% |
| Reliable Holdings Manager dba Lendz Financial | 79 | $25.2M | $320K | 36.7% |
| HOMEXPRESS MORTGAGE CORP. | 76 | $31.9M | $420K | 40.8% |
| AMWEST FUNDING CORP. | 74 | $27.1M | $366K | 56.8% |
| OCMBC, INC. | 66 | $25.3M | $383K | 57.6% |
| BRADESCO BANK | 63 | $38.2M | $607K | 82.5% |
| Rocket Mortgage, LLC | 61 | $17.4M | $285K | 44.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 54 | $20.9M | $388K | 40.7% |
| NEWREZ LLC | 47 | $16.5M | $351K | 63.8% |
| AMERICAN HERITAGE LENDING, LLC | 39 | $14.4M | $369K | 46.2% |
| Paramount Residential Mortgage Group, Inc. | 39 | $13.5M | $346K | 61.5% |
| CLEAREDGE LENDING LLC | 38 | $18.0M | $473K | 50.0% |
| FM Home Loans, LLC | 33 | $20.1M | $610K | 27.3% |
| Loan Funder LLC | 33 | $19.5M | $590K | 72.7% |
| CMG MORTGAGE, INC. | 32 | $17.0M | $532K | 65.6% |
| CV3 FINANCIAL SERVICES, LLC | 30 | $24.2M | $808K | 66.7% |
1,098 Florida loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Broward County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Broward County CSV, all 25 lenders
What Broward County's table can't show you: fit. Short-term financing is exempt from HMDA, so Broward County's fix-and-flip and bridge lenders barely appear among its 278 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 Broward County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Broward 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 — Broward County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 278 lenders and 3,526 loans: 2025 HMDA loan-level data rolled up to Broward County.
- Broward County investor-lender dataset (CSV) — All 25 lenders in the Broward County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Broward 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 Fort Lauderdale, FL HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Broward 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.