DSCR Loans in Flagler County, Florida
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 121 lenders made 372 investment-property loans in Flagler County, 0.8% of Florida's total. Dominick Prevete arranges DSCR loans across Flagler 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 $360,000.
Flagler County investor market at a glance
| Statistic | Flagler County | Florida | County rank |
|---|---|---|---|
| Investor loans | 372 | 49,114 | 29th of 39 |
| Reporting lenders | 121 | 1,090 | 29th of 39 |
| Loan volume | $111.4M | $18.15B | 29th of 39 |
| Average loan | $299K | $370K | 21st of 39 |
| Median loan | $265K | $265K | 16th of 39 |
| Purchases | 71.5% | 64.1% | 8th of 39 |
| Cash-out refinances | 18.0% | 20.8% | 24th of 39 |
| 2–4 unit properties | 18.3% | 7.8% | 2nd of 39 |
| Top five lenders' share | 29.6% | 23.8% | 18th of 39 |
| Reported business-purpose | 76.9% | 79.8% | 22nd of 39 |
Flagler County: closed-end loans on 1–4 unit investment properties. Flagler County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Flagler County's investor loans.
What stands out in Flagler County
18.3% of Flagler County's investor loans financed a 2–4 unit property, the 2nd-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.
71.5% of Flagler County's investor loans were purchases, the 8th-highest share of Florida's 39 counties with published data (statewide: 64.1%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
Does a DSCR loan pencil in Flagler County?
At HUD's fair market rent of $2,361 for a 3-bedroom in Flagler County, Florida, a rental covers its full DSCR payment up to a purchase price of about $360,000, with 20% down at the 7.25% starting rate (November 2026). Flagler County's median home value is $364,900; at that price the payment is $2,376 a month, so the property would need $2,400 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) | $1,758 / $2,361 / $2,581 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $364,900 |
| Median property taxes and effective rate | $2,789 (0.76% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,376 |
| Rent needed to cover that payment | $2,400 |
| Coverage of a 3-bedroom at fair market rent | 0.99 |
| Highest price a 3-bedroom at fair market rent covers | about $360,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $540,000 |
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 Flagler County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Flagler County?
The most active investment-property lenders in Flagler County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; THE LOAN STORE, INC.; and CMG MORTGAGE, INC., out of 121 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 Flagler County, and matches each file to the one most likely to fund it.
Flagler County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 372 loans and $111.4M from 121 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Flagler County with 44 loans, 11.8% of the county's total, and the average Flagler County loan of $299K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 44 | $14.1M | $320K | 59.1% |
| THE LOAN STORE, INC. | 21 | $5.5M | $263K | 85.7% |
| CMG MORTGAGE, INC. | 17 | $4.9M | $287K | 100.0% |
| GUARANTEED RATE, INC. | 14 | $3.9M | $281K | 92.9% |
| Rocket Mortgage, LLC | 14 | $3.6M | $259K | 50.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 13 | $3.6M | $273K | 92.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 10 | $2.5M | $245K | 90.0% |
| Emporium TPO LLC | 8 | $2.5M | $319K | 87.5% |
| Kiavi Funding, Inc. | 8 | $2.3M | $281K | 50.0% |
| Ameris Bank | 8 | $2.1M | $264K | 37.5% |
| A&D Mortgage LLC | 7 | $2.2M | $308K | 28.6% |
| PENNYMAC LOAN SERVICES, LLC | 7 | $1.9M | $278K | 57.1% |
| EVERETT FINANCIAL, INC. | 6 | $1.9M | $320K | 100.0% |
| DHI MORTGAGE COMPANY, LTD. | 6 | $1.2M | $197K | 100.0% |
| BARWICK BANKING COMPANY | 5 | $3.1M | $611K | 100.0% |
| OCMBC, INC. | 5 | $1.6M | $329K | 80.0% |
| NEWREZ LLC | 5 | $1.6M | $323K | 40.0% |
| CHAMPIONS FUNDING, LLC | 5 | $1.4M | $283K | 80.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | $1.2M | $243K | 100.0% |
| CV3 FINANCIAL SERVICES, LLC | 4 | $1.7M | $415K | 100.0% |
| Commerce Home Mortgage, Inc. | 4 | $1.4M | $363K | 75.0% |
| Logan Finance Corporation | 4 | $1.1M | $280K | 100.0% |
| UNION HOME MORTGAGE CORP. | 4 | $1.1M | $275K | 100.0% |
| Fairway Independent Mortgage Corporation | 4 | $0.9M | $238K | 75.0% |
| Loan Funder LLC | 3 | $2.5M | $825K | 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 Flagler County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Flagler County CSV, all 25 lenders
What Flagler County's table can't show you: fit. Short-term financing is exempt from HMDA, so Flagler County's fix-and-flip and bridge lenders barely appear among its 121 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 Flagler County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Flagler 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 — Flagler County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 121 lenders and 372 loans: 2025 HMDA loan-level data rolled up to Flagler County.
- Flagler County investor-lender dataset (CSV) — All 25 lenders in the Flagler County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Flagler 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 Palm Coast, FL HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Flagler 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.