DSCR Loans in Citrus County, Florida
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 95 lenders made 383 investment-property loans in Citrus County, 0.8% of Florida's total. Dominick Prevete arranges DSCR loans across Citrus 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 $255,000.
Citrus County investor market at a glance
| Statistic | Citrus County | Florida | County rank |
|---|---|---|---|
| Investor loans | 383 | 49,114 | 28th of 39 |
| Reporting lenders | 95 | 1,090 | 35th of 39 |
| Loan volume | $85.5M | $18.15B | 33rd of 39 |
| Average loan | $223K | $370K | 36th of 39 |
| Median loan | $195K | $265K | 33rd of 39 |
| Purchases | 56.9% | 64.1% | 38th of 39 |
| Cash-out refinances | 20.1% | 20.8% | 16th of 39 |
| 2–4 unit properties | 8.6% | 7.8% | 15th of 39 |
| Top five lenders' share | 28.7% | 23.8% | 20th of 39 |
| Reported business-purpose | 79.1% | 79.8% | 13th of 39 |
Citrus County: closed-end loans on 1–4 unit investment properties. Citrus County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Citrus County's investor loans.
What stands out in Citrus County
56.9% of Citrus County's investor loans were purchases, the 2nd-lowest share of Florida's 39 counties with published data (statewide: 64.1%).
Refinances are a larger share here than in most of Florida. A DSCR refinance qualifies on the property's current rent.
The average investor loan in Citrus County was $223K, the 4th-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 Citrus County?
At HUD's fair market rent of $1,653 for a 3-bedroom in Citrus County, Florida, a rental covers its full DSCR payment up to a purchase price of about $255,000, with 20% down at the 7.25% starting rate (November 2026). Citrus County's median home value is $245,500; at that price the payment is $1,561 a month, so the property would need $1,575 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) | $1,194 / $1,653 / $1,993 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $245,500 |
| Median property taxes and effective rate | $1,430 (0.58% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,561 |
| Rent needed to cover that payment | $1,575 |
| Coverage of a 3-bedroom at fair market rent | 1.06 |
| Highest price a 3-bedroom at fair market rent covers | about $255,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $375,000 |
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 Citrus County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Citrus County?
The most active investment-property lenders in Citrus County in 2025 HMDA data were CMG MORTGAGE, INC.; AMERICAN HERITAGE LENDING, LLC; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 95 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 Citrus County, and matches each file to the one most likely to fund it.
Citrus County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 383 loans and $85.5M from 95 lenders. CMG MORTGAGE, INC. led Citrus County with 28 loans, 7.3% of the county's total, and the average Citrus County loan of $223K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| CMG MORTGAGE, INC. | 28 | $6.1M | $217K | 92.9% |
| AMERICAN HERITAGE LENDING, LLC | 27 | $5.4M | $201K | 3.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 24 | $5.0M | $208K | 66.7% |
| FIRST COLONY MORTGAGE CORPORATION | 17 | $3.5M | $205K | 76.5% |
| Brannen Bank | 14 | $4.7M | $339K | 71.4% |
| Hometown Equity Mortgage, LLC | 11 | $3.0M | $275K | 54.5% |
| VISTA POINT MORTGAGE, LLC | 11 | $2.1M | $193K | 0.0% |
| CHAMPIONS FUNDING, LLC | 10 | $2.3M | $227K | 40.0% |
| Cornerstone First Mortgage, Inc | 10 | $1.8M | $182K | 10.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | $2.2M | $247K | 55.6% |
| A&D Mortgage LLC | 9 | $2.1M | $234K | 66.7% |
| Rocket Mortgage, LLC | 9 | $1.8M | $203K | 33.3% |
| Easy Street Capital, LLC | 9 | $1.3M | $146K | 0.0% |
| THE LOAN STORE, INC. | 7 | $2.2M | $315K | 85.7% |
| Kiavi Funding, Inc. | 7 | $1.8M | $255K | 71.4% |
| Citadel Servicing Corporation | 7 | $1.8M | $252K | 85.7% |
| LIMA ONE CAPITAL, LLC | 7 | $1.6M | $229K | 28.6% |
| ABL RPC Residential Credit Acquisition LLC | 7 | $1.4M | $201K | 0.0% |
| EVERETT FINANCIAL, INC. | 6 | $1.5M | $252K | 66.7% |
| OCMBC, INC. | 6 | $1.4M | $233K | 50.0% |
| LENDINGONE, LLC | 5 | $1.1M | $221K | 40.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | $1.1M | $215K | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 5 | $1.0M | $193K | 100.0% |
| NEXERA HOLDING LLC | 5 | $0.9M | $187K | 80.0% |
| Loan Funder LLC | 5 | $0.9M | $179K | 80.0% |
1,098 Florida loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Citrus County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Citrus County CSV, all 25 lenders
What Citrus County's table can't show you: fit. Short-term financing is exempt from HMDA, so Citrus County's fix-and-flip and bridge lenders barely appear among its 95 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 Citrus County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Citrus 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 — Citrus County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 95 lenders and 383 loans: 2025 HMDA loan-level data rolled up to Citrus County.
- Citrus County investor-lender dataset (CSV) — All 25 lenders in the Citrus County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Citrus 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 Homosassa Springs, FL MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Citrus 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.