DSCR Loans in Highlands 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, 71 lenders made 226 investment-property loans in Highlands County, 0.5% of Florida's total. Dominick Prevete arranges DSCR loans across Highlands 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 $230,000.
Highlands County investor market at a glance
| Statistic | Highlands County | Florida | County rank |
|---|---|---|---|
| Investor loans | 226 | 49,114 | 37th of 39 |
| Reporting lenders | 71 | 1,090 | 38th of 39 |
| Loan volume | $45.1M | $18.15B | 39th of 39 |
| Average loan | $200K | $370K | 39th of 39 |
| Median loan | $170K | $265K | 38th of 39 |
| Purchases | 52.2% | 64.1% | 39th of 39 |
| Cash-out refinances | 29.6% | 20.8% | 2nd of 39 |
| 2–4 unit properties | 19.0% | 7.8% | 1st of 39 |
| Top five lenders' share | 37.2% | 23.8% | 4th of 39 |
| Reported business-purpose | 85.4% | 79.8% | 2nd of 39 |
Highlands County: closed-end loans on 1–4 unit investment properties. Highlands County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Highlands County's investor loans.
What stands out in Highlands County
19.0% of Highlands County's investor loans financed a 2–4 unit property, the 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.
52.2% of Highlands County's investor loans were purchases, the 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.
The average investor loan in Highlands County was $200K, the lowest average of Florida's 39 counties with published data (statewide: $370K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Highlands County?
At HUD's fair market rent of $1,500 for a 3-bedroom in Highlands County, Florida, a rental covers its full DSCR payment up to a purchase price of about $230,000, with 20% down at the 7.25% starting rate (November 2026). Highlands County's median home value is $187,900; at that price the payment is $1,216 a month, so the property would need $1,225 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) | $1,259 / $1,500 / $1,905 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $187,900 |
| Median property taxes and effective rate | $1,353 (0.72% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,216 |
| Rent needed to cover that payment | $1,225 |
| Coverage of a 3-bedroom at fair market rent | 1.23 |
| Highest price a 3-bedroom at fair market rent covers | about $230,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $385,000 |
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 Highlands County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Highlands County?
The most active investment-property lenders in Highlands County in 2025 HMDA data were Kiavi Funding, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and T2 FINANCIAL LLC, out of 71 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 Highlands County, and matches each file to the one most likely to fund it.
Highlands County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 226 loans and $45.1M from 71 lenders. Kiavi Funding, Inc. led Highlands County with 25 loans, 11.1% of the county's total, and the average Highlands County loan of $200K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 25 | $5.0M | $202K | 12.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 23 | $3.3M | $143K | 56.5% |
| T2 FINANCIAL LLC | 15 | $3.4M | $224K | 6.7% |
| A&D Mortgage LLC | 12 | $2.1M | $172K | 33.3% |
| NFM, INC. | 9 | $1.8M | $196K | 88.9% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 8 | $2.0M | $255K | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 6 | $1.8M | $300K | 83.3% |
| THE LOAN STORE, INC. | 6 | $1.3M | $212K | 66.7% |
| AMWEST FUNDING CORP. | 6 | $0.6M | $100K | 100.0% |
| CHAMPIONS FUNDING, LLC | 5 | $1.1M | $215K | 80.0% |
| Hometown Equity Mortgage, LLC | 5 | $0.8M | $155K | 40.0% |
| GUARANTEED RATE, INC. | 5 | $0.6M | $113K | 60.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 4 | $0.8M | $213K | 50.0% |
| Crews Bank & Trust | 4 | $0.8M | $210K | 100.0% |
| Citadel Servicing Corporation | 4 | $0.7M | $173K | 0.0% |
| Loan Funder LLC | 4 | $0.7M | $173K | 50.0% |
| Reliable Holdings Manager dba Lendz Financial | 4 | $0.7M | $170K | 75.0% |
| Seacoast National Bank | 4 | $0.6M | $145K | 75.0% |
| Rocket Mortgage, LLC | 3 | $0.7M | $232K | 66.7% |
| HOMEXPRESS MORTGAGE CORP. | 3 | $0.6M | $192K | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 3 | $0.5M | $165K | 100.0% |
| GENEVA FINANCIAL, LLC | 3 | $0.4M | $132K | 0.0% |
| BUILDERS CHOICE MORTGAGE LLC | 2 | $1.1M | $540K | 100.0% |
| KIND LENDING, LLC | 2 | $0.9M | $475K | 100.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | $0.6M | $315K | 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 Highlands County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Highlands County CSV, all 25 lenders
What Highlands County's table can't show you: fit. Short-term financing is exempt from HMDA, so Highlands County's fix-and-flip and bridge lenders barely appear among its 71 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 Highlands County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Highlands 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 — Highlands County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 71 lenders and 226 loans: 2025 HMDA loan-level data rolled up to Highlands County.
- Highlands County investor-lender dataset (CSV) — All 25 lenders in the Highlands County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Highlands 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 Sebring, FL MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Highlands 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.