DSCR Loans in Indian River 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, 99 lenders made 287 investment-property loans in Indian River County, 0.6% of Florida's total. Dominick Prevete arranges DSCR loans across Indian River 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 $290,000.
Indian River County investor market at a glance
| Statistic | Indian River County | Florida | County rank |
|---|---|---|---|
| Investor loans | 287 | 49,114 | 34th of 39 |
| Reporting lenders | 99 | 1,090 | 34th of 39 |
| Loan volume | $84.2M | $18.15B | 34th of 39 |
| Average loan | $294K | $370K | 23rd of 39 |
| Median loan | $235K | $265K | 23rd of 39 |
| Purchases | 63.4% | 64.1% | 26th of 39 |
| Cash-out refinances | 24.4% | 20.8% | 7th of 39 |
| 2–4 unit properties | 3.8% | 7.8% | 32nd of 39 |
| Top five lenders' share | 31.4% | 23.8% | 12th of 39 |
| Reported business-purpose | 80.8% | 79.8% | 12th of 39 |
Indian River County: closed-end loans on 1–4 unit investment properties. Indian River County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Indian River County's investor loans.
What stands out in Indian River County
3.8% of Indian River County's investor loans financed a 2–4 unit property, the 6th-lowest share of Florida's 39 counties with published data (statewide: 7.8%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
24.4% of Indian River County's investor loans were cash-out refinances, the 7th-highest share of Florida's 39 counties with published data (statewide: 20.8%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
Does a DSCR loan pencil in Indian River County?
At HUD's fair market rent of $1,882 for a 3-bedroom in Indian River County, Florida, a rental covers its full DSCR payment up to a purchase price of about $290,000, with 20% down at the 7.25% starting rate (November 2026). Indian River County's median home value is $351,500; at that price the payment is $2,268 a month, so the property would need $2,275 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) | $1,542 / $1,882 / $2,577 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $351,500 |
| Median property taxes and effective rate | $2,436 (0.69% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,268 |
| Rent needed to cover that payment | $2,275 |
| Coverage of a 3-bedroom at fair market rent | 0.83 |
| Highest price a 3-bedroom at fair market rent covers | about $290,000 |
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 Indian River County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Indian River County?
The most active investment-property lenders in Indian River County in 2025 HMDA data were Kiavi Funding, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and Loan Funder LLC, out of 99 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 Indian River County, and matches each file to the one most likely to fund it.
Indian River County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 287 loans and $84.2M from 99 lenders. Kiavi Funding, Inc. led Indian River County with 34 loans, 11.8% of the county's total, and the average Indian River County loan of $294K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 34 | $7.8M | $230K | 58.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 18 | $4.0M | $221K | 61.1% |
| Loan Funder LLC | 15 | $3.9M | $260K | 86.7% |
| HOMEXPRESS MORTGAGE CORP. | 13 | $3.2M | $250K | 30.8% |
| Citadel Servicing Corporation | 10 | $2.3M | $225K | 30.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 8 | $2.3M | $293K | 87.5% |
| Rocket Mortgage, LLC | 8 | $2.1M | $258K | 75.0% |
| DEEPHAVEN MORTGAGE LLC | 7 | $1.9M | $272K | 42.9% |
| CHAMPIONS FUNDING, LLC | 7 | $1.7M | $241K | 42.9% |
| NEWREZ LLC | 7 | $1.5M | $212K | 42.9% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 6 | $5.3M | $890K | 16.7% |
| CONSTRUCTIVE LOANS, LLC | 6 | $1.3M | $208K | 0.0% |
| OCMBC, INC. | 5 | $1.6M | $315K | 40.0% |
| T2 FINANCIAL LLC | 5 | $1.2M | $233K | 60.0% |
| MOVEMENT MORTGAGE, LLC | 5 | $1.1M | $215K | 100.0% |
| NEXERA HOLDING LLC | 4 | $2.6M | $648K | 75.0% |
| Commerce Home Mortgage, Inc. | 4 | $1.0M | $250K | 100.0% |
| CV3 FINANCIAL SERVICES, LLC | 4 | $0.7M | $168K | 100.0% |
| GUILD MORTGAGE COMPANY | 3 | $1.2M | $388K | 100.0% |
| Logan Finance Corporation | 3 | $1.2M | $385K | 66.7% |
| THE LOAN STORE, INC. | 3 | $0.9M | $315K | 66.7% |
| NVR Mortgage Finance, Inc. | 3 | $0.8M | $275K | 100.0% |
| Beeline Loans, Inc. | 3 | $0.7M | $222K | 66.7% |
| THE MORTGAGE FIRM, INC. | 3 | $0.6M | $202K | 100.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | $0.5M | $178K | 66.7% |
1,098 Florida loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Indian River County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Indian River County CSV, all 25 lenders
What Indian River County's table can't show you: fit. Short-term financing is exempt from HMDA, so Indian River County's fix-and-flip and bridge lenders barely appear among its 99 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 Indian River County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Indian River 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 — Indian River County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 99 lenders and 287 loans: 2025 HMDA loan-level data rolled up to Indian River County.
- Indian River County investor-lender dataset (CSV) — All 25 lenders in the Indian River County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Indian River 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 Sebastian-Vero Beach-West Vero Corridor, FL MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Indian River 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.