DSCR Loans in Escambia County, Florida
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 164 lenders made 710 investment-property loans in Escambia County, 1.4% of Florida's total. Dominick Prevete arranges DSCR loans across Escambia 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.
Escambia County investor market at a glance
| Statistic | Escambia County | Florida | County rank |
|---|---|---|---|
| Investor loans | 710 | 49,114 | 23rd of 39 |
| Reporting lenders | 164 | 1,090 | 22nd of 39 |
| Loan volume | $176.5M | $18.15B | 26th of 39 |
| Average loan | $249K | $370K | 29th of 39 |
| Median loan | $185K | $265K | 36th of 39 |
| Purchases | 60.7% | 64.1% | 31st of 39 |
| Cash-out refinances | 18.9% | 20.8% | 22nd of 39 |
| 2–4 unit properties | 11.3% | 7.8% | 8th of 39 |
| Top five lenders' share | 26.9% | 23.8% | 26th of 39 |
| Reported business-purpose | 78.3% | 79.8% | 19th of 39 |
Escambia County: closed-end loans on 1–4 unit investment properties. Escambia County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Escambia County's investor loans.
What stands out in Escambia County
The median investor loan in Escambia County was $185K, the 4th-lowest median of Florida's 39 counties with published data (statewide: $265K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
11.3% of Escambia County's investor loans financed a 2–4 unit property, the 8th-highest share of Florida's 39 counties with published data (statewide: 7.8%).
2–4 unit properties are a larger share here than in most of Florida. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
60.7% of Escambia County's investor loans were purchases, the 9th-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.
Does a DSCR loan pencil in Escambia County?
At HUD's fair market rent of $2,034 for a 3-bedroom in Escambia 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). Escambia County's median home value is $257,200; at that price the payment is $1,635 a month, so the property would need $1,650 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) | $1,548 / $2,034 / $2,435 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $257,200 |
| Median property taxes and effective rate | $1,495 (0.58% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,635 |
| Rent needed to cover that payment | $1,650 |
| Coverage of a 3-bedroom at fair market rent | 1.24 |
| 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 $485,000 |
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 Escambia County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Escambia County?
The most active investment-property lenders in Escambia County in 2025 HMDA data were Kiavi Funding, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and DOMINION FINANCIAL SERVICES, LLC, out of 164 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 Escambia County, and matches each file to the one most likely to fund it.
Escambia County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 710 loans and $176.5M from 164 lenders. Kiavi Funding, Inc. led Escambia County with 76 loans, 10.7% of the county's total, and the average Escambia County loan of $249K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 76 | $14.3M | $189K | 63.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 42 | $8.2M | $196K | 66.7% |
| DOMINION FINANCIAL SERVICES, LLC | 29 | $5.7M | $198K | 62.1% |
| Rocket Mortgage, LLC | 25 | $4.7M | $188K | 44.0% |
| LENDINGONE, LLC | 19 | $3.2M | $170K | 31.6% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 16 | $3.1M | $196K | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 15 | $3.4M | $226K | 53.3% |
| CHAMPIONS FUNDING, LLC | 14 | $4.1M | $294K | 57.1% |
| MOVEMENT MORTGAGE, LLC | 13 | $4.9M | $380K | 84.6% |
| THE MORTGAGE FIRM, INC. | 13 | $2.7M | $207K | 84.6% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 12 | $2.8M | $236K | 8.3% |
| Community Bank of Mississippi | 12 | $2.7M | $223K | 33.3% |
| Loan Funder LLC | 12 | $2.5M | $211K | 83.3% |
| GUARANTEED RATE AFFINITY, LLC | 11 | $2.1M | $191K | 90.9% |
| Hometown Equity Mortgage, LLC | 11 | $1.9M | $172K | 18.2% |
| DEEPHAVEN MORTGAGE LLC | 10 | $2.4M | $243K | 50.0% |
| ICE LENDER HOLDINGS LLC | 10 | $2.2M | $220K | 10.0% |
| CV3 FINANCIAL SERVICES, LLC | 10 | $1.9M | $194K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 10 | $1.9M | $190K | 100.0% |
| Navy Federal Credit Union | 10 | $1.8M | $180K | 90.0% |
| ServisFirst Bank | 8 | $6.0M | $750K | 75.0% |
| Renasant Bank | 8 | $3.1M | $386K | 37.5% |
| NEWREZ LLC | 8 | $2.2M | $274K | 37.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 8 | $1.8M | $220K | 100.0% |
| OCMBC, INC. | 8 | $1.5M | $193K | 50.0% |
1,098 Florida loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Escambia County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Escambia County CSV, all 25 lenders
What Escambia County's table can't show you: fit. Short-term financing is exempt from HMDA, so Escambia County's fix-and-flip and bridge lenders barely appear among its 164 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 Escambia County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Escambia 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 — Escambia County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 164 lenders and 710 loans: 2025 HMDA loan-level data rolled up to Escambia County.
- Escambia County investor-lender dataset (CSV) — All 25 lenders in the Escambia County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Escambia 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 Pensacola-Ferry Pass-Brent, FL MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Escambia 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.