DSCR Loans in Duval 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, 207 lenders made 2,249 investment-property loans in Duval County, 4.6% of Florida's total. Dominick Prevete arranges DSCR loans across Duval 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 $315,000.
Duval County investor market at a glance
| Statistic | Duval County | Florida | County rank |
|---|---|---|---|
| Investor loans | 2,249 | 49,114 | 8th of 39 |
| Reporting lenders | 207 | 1,090 | 14th of 39 |
| Loan volume | $512.0M | $18.15B | 11th of 39 |
| Average loan | $228K | $370K | 34th of 39 |
| Median loan | $175K | $265K | 37th of 39 |
| Purchases | 58.2% | 64.1% | 35th of 39 |
| Cash-out refinances | 24.5% | 20.8% | 6th of 39 |
| 2–4 unit properties | 8.2% | 7.8% | 17th of 39 |
| Top five lenders' share | 38.4% | 23.8% | 3rd of 39 |
| Reported business-purpose | 86.5% | 79.8% | 1st of 39 |
Duval County: closed-end loans on 1–4 unit investment properties. Duval County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Duval County's investor loans.
What stands out in Duval County
By share of investor loans reported as business-purpose, Duval County ranks highest of Florida's 39 counties with published data (statewide: 79.8%).
86.5% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
The median investor loan in Duval County was $175K, the 3rd-lowest median of Florida's 39 counties with published data (statewide: $265K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
The five most active lenders wrote 38.4% of Duval County's investor loans, the 3rd-highest share of Florida's 39 counties with published data (statewide: 23.8%).
Five lenders write 38.4% of the loans here, so comparing written term sheets matters more.
Does a DSCR loan pencil in Duval County?
At HUD's fair market rent of $2,077 for a 3-bedroom in Duval County, Florida, a rental covers its full DSCR payment up to a purchase price of about $315,000, with 20% down at the 7.25% starting rate (November 2026). Duval County's median home value is $303,500; at that price the payment is $1,971 a month, so the property would need $1,975 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) | $303,500 |
| Median property taxes and effective rate | $2,264 (0.75% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,971 |
| Rent needed to cover that payment | $1,975 |
| Coverage of a 3-bedroom at fair market rent | 1.05 |
| Highest price a 3-bedroom at fair market rent covers | about $315,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $520,000 |
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 Duval County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Duval County?
The most active investment-property lenders in Duval County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Kiavi Funding, Inc.; and 212 LOANS, LLC., out of 207 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 Duval County, and matches each file to the one most likely to fund it.
Duval County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 2,249 loans and $512.0M from 207 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Duval County with 340 loans, 15.1% of the county's total, and the average Duval County loan of $228K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 340 | $58.5M | $172K | 66.2% |
| Kiavi Funding, Inc. | 278 | $55.6M | $200K | 70.5% |
| 212 LOANS, LLC. | 94 | $18.1M | $193K | 100.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 90 | $20.9M | $233K | 35.6% |
| THE LOAN STORE, INC. | 61 | $12.7M | $208K | 49.2% |
| BPL MORTGAGE TRUST, LLC | 57 | $9.0M | $157K | 43.9% |
| Rocket Mortgage, LLC | 51 | $9.7M | $191K | 51.0% |
| LENNAR MORTGAGE, LLC | 42 | $8.2M | $195K | 100.0% |
| CHAMPIONS FUNDING, LLC | 41 | $9.0M | $219K | 26.8% |
| HOMEXPRESS MORTGAGE CORP. | 41 | $8.8M | $215K | 22.0% |
| A&D Mortgage LLC | 39 | $7.0M | $180K | 46.2% |
| LENDINGONE, LLC | 39 | $6.3M | $161K | 20.5% |
| DOMINION FINANCIAL SERVICES, LLC | 37 | $14.7M | $397K | 32.4% |
| Loan Funder LLC | 37 | $7.8M | $210K | 43.2% |
| OCMBC, INC. | 37 | $7.0M | $189K | 59.5% |
| DEEPHAVEN MORTGAGE LLC | 37 | $6.2M | $169K | 32.4% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 37 | $4.6M | $123K | 16.2% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 35 | $7.3M | $209K | 60.0% |
| Hometown Equity Mortgage, LLC | 32 | $6.6M | $206K | 43.8% |
| NEWREZ LLC | 29 | $7.6M | $262K | 55.2% |
| AMWEST FUNDING CORP. | 27 | $5.4M | $198K | 55.6% |
| AMERICAN HERITAGE LENDING, LLC | 27 | $4.1M | $153K | 59.3% |
| Citadel Servicing Corporation | 24 | $4.1M | $171K | 50.0% |
| MOVEMENT MORTGAGE, LLC | 23 | $7.4M | $321K | 78.3% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 21 | $12.3M | $584K | 33.3% |
1,098 Florida loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Duval County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Duval County CSV, all 25 lenders
What Duval County's table can't show you: fit. Short-term financing is exempt from HMDA, so Duval County's fix-and-flip and bridge lenders barely appear among its 207 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 Duval County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Duval 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 — Duval County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 207 lenders and 2,249 loans: 2025 HMDA loan-level data rolled up to Duval County.
- Duval County investor-lender dataset (CSV) — All 25 lenders in the Duval County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Duval 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 — Duval 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.