DSCR Loans in Collier County, Florida
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 223 lenders made 917 investment-property loans in Collier County, 1.9% of Florida's total. Dominick Prevete arranges DSCR loans across Collier 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 $400,000.
Collier County investor market at a glance
| Statistic | Collier County | Florida | County rank |
|---|---|---|---|
| Investor loans | 917 | 49,114 | 18th of 39 |
| Reporting lenders | 223 | 1,090 | 13th of 39 |
| Loan volume | $575.2M | $18.15B | 10th of 39 |
| Average loan | $627K | $370K | 3rd of 39 |
| Median loan | $385K | $265K | 3rd of 39 |
| Purchases | 67.4% | 64.1% | 19th of 39 |
| Cash-out refinances | 20.3% | 20.8% | 15th of 39 |
| 2–4 unit properties | 4.3% | 7.8% | 28th of 39 |
| Top five lenders' share | 24.2% | 23.8% | 33rd of 39 |
| Reported business-purpose | 70.7% | 79.8% | 34th of 39 |
Collier County: closed-end loans on 1–4 unit investment properties. Collier County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Collier County's investor loans.
What stands out in Collier County
The average investor loan in Collier County was $627K, the 3rd-highest average of Florida's 39 counties with published data (statewide: $370K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
70.7% of Collier County's investor loans were reported as business-purpose, the 6th-lowest share of Florida's 39 counties with published data (statewide: 79.8%).
Fewer investor loans here were reported as business-purpose than in most of Florida. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
The five most active lenders wrote 24.2% of Collier County's investor loans, the 7th-lowest share of Florida's 39 counties with published data (statewide: 23.8%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
Does a DSCR loan pencil in Collier County?
At HUD's fair market rent of $2,584 for a 3-bedroom in Collier County, Florida, a rental covers its full DSCR payment up to a purchase price of about $400,000, with 20% down at the 7.25% starting rate (November 2026). Collier County's median home value is $540,700; at that price the payment is $3,458 a month, so the property would need $3,475 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) | $2,036 / $2,584 / $2,815 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $540,700 |
| Median property taxes and effective rate | $3,386 (0.63% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,458 |
| Rent needed to cover that payment | $3,475 |
| Coverage of a 3-bedroom at fair market rent | 0.75 |
| Highest price a 3-bedroom at fair market rent covers | about $400,000 |
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 Collier County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Collier County?
The most active investment-property lenders in Collier County in 2025 HMDA data were CROSSCOUNTRY MORTGAGE, INC.; UNITED SHORE FINANCIAL SERVICES, LLC; and CHAMPIONS FUNDING, LLC, out of 223 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 two that reported in Collier County, and matches each file to the one most likely to fund it.
Collier County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 917 loans and $575.2M from 223 lenders. CROSSCOUNTRY MORTGAGE, INC. led Collier County with 76 loans, 8.3% of the county's total, and the average Collier County loan of $627K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| CROSSCOUNTRY MORTGAGE, INC. | 76 | $32.4M | $427K | 84.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 49 | $23.4M | $477K | 69.4% |
| CHAMPIONS FUNDING, LLC | 37 | $12.7M | $344K | 32.4% |
| Rocket Mortgage, LLC | 30 | $11.5M | $383K | 50.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 30 | $11.3M | $375K | 73.3% |
| LENNAR MORTGAGE, LLC | 26 | $5.5M | $212K | 100.0% |
| THE LOAN STORE, INC. | 23 | $9.9M | $429K | 73.9% |
| A&D Mortgage LLC | 21 | $12.2M | $582K | 61.9% |
| Hometown Equity Mortgage, LLC | 19 | $11.7M | $618K | 52.6% |
| Reliable Holdings Manager dba Lendz Financial | 17 | $10.2M | $597K | 70.6% |
| CARRINGTON MORTGAGE SERVICES, LLC | 17 | $6.8M | $400K | 5.9% |
| KIND LENDING, LLC | 15 | $6.6M | $440K | 86.7% |
| GUARANTEED RATE, INC. | 14 | $7.4M | $531K | 71.4% |
| JPMorgan Chase Bank, National Association | 14 | $7.0M | $503K | 78.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 13 | $5.8M | $449K | 46.2% |
| NEWREZ LLC | 13 | $5.4M | $419K | 76.9% |
| PENNYMAC LOAN SERVICES, LLC | 12 | $5.5M | $456K | 83.3% |
| Wells Fargo Bank, National Association | 11 | $12.5M | $1132K | 18.2% |
| Citadel Servicing Corporation | 11 | $6.9M | $631K | 54.5% |
| OCMBC, INC. | 11 | $5.0M | $459K | 63.6% |
| HOMEXPRESS MORTGAGE CORP. | 11 | $4.8M | $436K | 27.3% |
| AMERICAN HERITAGE LENDING, LLC | 11 | $4.6M | $417K | 45.5% |
| DEEPHAVEN MORTGAGE LLC | 10 | $4.4M | $443K | 70.0% |
| FineMark National Bank & Trust | 9 | $9.6M | $1062K | 100.0% |
| LIMA ONE CAPITAL, LLC | 8 | $4.5M | $569K | 25.0% |
1,098 Florida loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Collier County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Collier County CSV, all 25 lenders
What Collier County's table can't show you: fit. Short-term financing is exempt from HMDA, so Collier County's fix-and-flip and bridge lenders barely appear among its 223 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 some 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 Collier County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Collier 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 — Collier County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 223 lenders and 917 loans: 2025 HMDA loan-level data rolled up to Collier County.
- Collier County investor-lender dataset (CSV) — All 25 lenders in the Collier County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Collier 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 Naples-Marco Island, FL MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Collier 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.