DSCR Loans in Clay County, Florida
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 69 lenders made 226 investment-property loans in Clay County, 0.5% of Florida's total. Dominick Prevete arranges DSCR loans across Clay 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.
Clay County investor market at a glance
| Statistic | Clay County | Florida | County rank |
|---|---|---|---|
| Investor loans | 226 | 49,114 | 37th of 39 |
| Reporting lenders | 69 | 1,090 | 39th of 39 |
| Loan volume | $51.1M | $18.15B | 38th of 39 |
| Average loan | $226K | $370K | 35th of 39 |
| Median loan | $195K | $265K | 33rd of 39 |
| Purchases | 66.8% | 64.1% | 20th of 39 |
| Cash-out refinances | 19.5% | 20.8% | 20th of 39 |
| 2–4 unit properties | 4.0% | 7.8% | 31st of 39 |
| Top five lenders' share | 43.4% | 23.8% | 1st of 39 |
| Reported business-purpose | 72.6% | 79.8% | 29th of 39 |
Clay County: closed-end loans on 1–4 unit investment properties. Clay County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Clay County's investor loans.
What stands out in Clay County
The five most active lenders wrote 43.4% of Clay County's investor loans, the highest share of Florida's 39 counties with published data (statewide: 23.8%).
Five lenders write 43.4% of the loans here, so comparing written term sheets matters more.
The average investor loan in Clay County was $226K, the 5th-lowest average of Florida's 39 counties with published data (statewide: $370K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
4.0% of Clay County's investor loans financed a 2–4 unit property, the 9th-lowest share of Florida's 39 counties with published data (statewide: 7.8%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Does a DSCR loan pencil in Clay County?
At HUD's fair market rent of $2,077 for a 3-bedroom in Clay 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). Clay County's median home value is $312,500; at that price the payment is $2,022 a month, so the property would need $2,025 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) | $1,694 / $2,077 / $2,594 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $312,500 |
| Median property taxes and effective rate | $2,241 (0.72% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,022 |
| Rent needed to cover that payment | $2,025 |
| Coverage of a 3-bedroom at fair market rent | 1.03 |
| Highest price a 3-bedroom at fair market rent covers | about $320,000 |
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 Clay County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Clay County?
The most active investment-property lenders in Clay County in 2025 HMDA data were Kiavi Funding, Inc.; LENNAR MORTGAGE, LLC; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 69 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 Clay County, and matches each file to the one most likely to fund it.
Clay County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 226 loans and $51.1M from 69 lenders. Kiavi Funding, Inc. led Clay County with 28 loans, 12.4% of the county's total, and the average Clay County loan of $226K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 28 | $6.3M | $225K | 67.9% |
| LENNAR MORTGAGE, LLC | 26 | $5.1M | $196K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 25 | $5.3M | $210K | 68.0% |
| DEEPHAVEN MORTGAGE LLC | 10 | $2.8M | $283K | 50.0% |
| Rocket Mortgage, LLC | 9 | $2.0M | $218K | 44.4% |
| A&D Mortgage LLC | 8 | $1.5M | $184K | 87.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 5 | $2.0M | $407K | 40.0% |
| Hometown Equity Mortgage, LLC | 5 | $1.2M | $231K | 100.0% |
| JET HOMELOANS, LP | 4 | $1.1M | $285K | 100.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | $1.1M | $265K | 0.0% |
| Citadel Servicing Corporation | 4 | $0.8M | $198K | 25.0% |
| DHI MORTGAGE COMPANY, LTD. | 4 | $0.7M | $180K | 100.0% |
| THE LOAN STORE, INC. | 4 | $0.7M | $178K | 75.0% |
| PLANET HOME LENDING, LLC | 4 | $0.4M | $108K | 100.0% |
| LOANPEOPLE, LLC | 3 | $0.8M | $262K | 66.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | $0.7M | $238K | 66.7% |
| PENNYMAC LOAN SERVICES, LLC | 3 | $0.7M | $222K | 66.7% |
| AMERICAN HERITAGE LENDING, LLC | 3 | $0.7M | $218K | 0.0% |
| Emporium TPO LLC | 3 | $0.7M | $218K | 100.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | $0.6M | $215K | 0.0% |
| 212 LOANS, LLC. | 3 | $0.6M | $208K | 100.0% |
| Loan Funder LLC | 3 | $0.5M | $165K | 33.3% |
| Fairway Independent Mortgage Corporation | 2 | $0.7M | $365K | 100.0% |
| PNC Bank, National Association | 2 | $0.7M | $360K | 100.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | $0.7M | $335K | 100.0% |
1,098 Florida loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Clay County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Clay County CSV, all 25 lenders
What Clay County's table can't show you: fit. Short-term financing is exempt from HMDA, so Clay County's fix-and-flip and bridge lenders barely appear among its 69 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 Clay County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Clay 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 — Clay County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 69 lenders and 226 loans: 2025 HMDA loan-level data rolled up to Clay County.
- Clay County investor-lender dataset (CSV) — All 25 lenders in the Clay County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Clay 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 Jacksonville, FL HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Clay 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.