DSCR Loans in Charlotte County, Florida
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 185 lenders made 880 investment-property loans in Charlotte County, 1.8% of Florida's total. Dominick Prevete arranges DSCR loans across Charlotte 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 $320,000.
Charlotte County investor market at a glance
| Statistic | Charlotte County | Florida | County rank |
|---|---|---|---|
| Investor loans | 880 | 49,114 | 19th of 39 |
| Reporting lenders | 185 | 1,090 | 18th of 39 |
| Loan volume | $258.8M | $18.15B | 21st of 39 |
| Average loan | $294K | $370K | 22nd of 39 |
| Median loan | $235K | $265K | 23rd of 39 |
| Purchases | 63.6% | 64.1% | 25th of 39 |
| Cash-out refinances | 15.7% | 20.8% | 28th of 39 |
| 2–4 unit properties | 9.9% | 7.8% | 10th of 39 |
| Top five lenders' share | 31.2% | 23.8% | 13th of 39 |
| Reported business-purpose | 74.5% | 79.8% | 28th of 39 |
Charlotte County: closed-end loans on 1–4 unit investment properties. Charlotte County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Charlotte County's investor loans.
What stands out in Charlotte County
Charlotte County's 880 investor loans ranked 19th of Florida's 39 counties with published data.
Does a DSCR loan pencil in Charlotte County?
At HUD's fair market rent of $2,137 for a 3-bedroom in Charlotte County, Florida, a rental covers its full DSCR payment up to a purchase price of about $320,000, with 20% down at the 7.25% starting rate (November 2026). Charlotte County's median home value is $328,900; at that price the payment is $2,164 a month, so the property would need $2,175 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) | $1,575 / $2,137 / $2,556 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $328,900 |
| Median property taxes and effective rate | $2,785 (0.85% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,164 |
| Rent needed to cover that payment | $2,175 |
| Coverage of a 3-bedroom at fair market rent | 0.99 |
| Highest price a 3-bedroom at fair market rent covers | about $320,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $475,000 |
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 Charlotte County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Charlotte County?
The most active investment-property lenders in Charlotte County in 2025 HMDA data were Kiavi Funding, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and LENNAR MORTGAGE, LLC, out of 185 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 Charlotte County, and matches each file to the one most likely to fund it.
Charlotte County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 880 loans and $258.8M from 185 lenders. Kiavi Funding, Inc. led Charlotte County with 62 loans, 7.0% of the county's total, and the average Charlotte County loan of $294K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 62 | $16.4M | $264K | 51.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 62 | $15.0M | $242K | 72.6% |
| LENNAR MORTGAGE, LLC | 62 | $14.5M | $233K | 100.0% |
| CHAMPIONS FUNDING, LLC | 55 | $16.0M | $291K | 29.1% |
| THE LOAN STORE, INC. | 34 | $13.4M | $395K | 55.9% |
| A&D Mortgage LLC | 27 | $5.9M | $219K | 48.1% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 25 | $9.9M | $395K | 52.0% |
| Rocket Mortgage, LLC | 20 | $5.4M | $269K | 65.0% |
| AMWEST FUNDING CORP. | 19 | $4.8M | $252K | 47.4% |
| NEWREZ LLC | 17 | $5.0M | $296K | 70.6% |
| HOMEXPRESS MORTGAGE CORP. | 17 | $4.3M | $256K | 17.6% |
| CMG MORTGAGE, INC. | 17 | $4.2M | $247K | 94.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 15 | $3.4M | $230K | 86.7% |
| Reliable Holdings Manager dba Lendz Financial | 14 | $3.6M | $256K | 21.4% |
| Easy Street Capital, LLC | 14 | $3.0M | $218K | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 14 | $2.5M | $180K | 50.0% |
| PENNYMAC LOAN SERVICES, LLC | 12 | $3.9M | $327K | 91.7% |
| AMERICAN HERITAGE LENDING, LLC | 11 | $2.4M | $215K | 27.3% |
| GUARANTEED RATE, INC. | 10 | $2.9M | $286K | 80.0% |
| Hometown Equity Mortgage, LLC | 10 | $2.6M | $259K | 50.0% |
| Citadel Servicing Corporation | 10 | $2.1M | $215K | 40.0% |
| CV3 FINANCIAL SERVICES, LLC | 9 | $2.4M | $266K | 44.4% |
| CLEAREDGE LENDING LLC | 9 | $2.3M | $257K | 77.8% |
| MOVEMENT MORTGAGE, LLC | 9 | $2.2M | $239K | 88.9% |
| Commerce Home Mortgage, Inc. | 9 | $2.1M | $232K | 88.9% |
1,098 Florida loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Charlotte County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Charlotte County CSV, all 25 lenders
What Charlotte County's table can't show you: fit. Short-term financing is exempt from HMDA, so Charlotte County's fix-and-flip and bridge lenders barely appear among its 185 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 Charlotte County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Charlotte 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 — Charlotte County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 185 lenders and 880 loans: 2025 HMDA loan-level data rolled up to Charlotte County.
- Charlotte County investor-lender dataset (CSV) — All 25 lenders in the Charlotte County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Charlotte 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 Punta Gorda, FL MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Charlotte 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.