DSCR Loans in Lake County, Florida
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 161 lenders made 1,006 investment-property loans in Lake County, 2.0% of Florida's total. Dominick Prevete arranges DSCR loans across Lake 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 $375,000.
Lake County investor market at a glance
| Statistic | Lake County | Florida | County rank |
|---|---|---|---|
| Investor loans | 1,006 | 49,114 | 17th of 39 |
| Reporting lenders | 161 | 1,090 | 23rd of 39 |
| Loan volume | $341.4M | $18.15B | 15th of 39 |
| Average loan | $339K | $370K | 15th of 39 |
| Median loan | $285K | $265K | 10th of 39 |
| Purchases | 81.2% | 64.1% | 2nd of 39 |
| Cash-out refinances | 11.0% | 20.8% | 35th of 39 |
| 2–4 unit properties | 3.8% | 7.8% | 32nd of 39 |
| Top five lenders' share | 33.3% | 23.8% | 7th of 39 |
| Reported business-purpose | 77.6% | 79.8% | 20th of 39 |
Lake County: closed-end loans on 1–4 unit investment properties. Lake County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Lake County's investor loans.
What stands out in Lake County
81.2% of Lake County's investor loans were purchases, the 2nd-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.
11.0% of Lake County's investor loans were cash-out refinances, the 5th-lowest share of Florida's 39 counties with published data (statewide: 20.8%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
3.8% of Lake 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.
Does a DSCR loan pencil in Lake County?
At HUD's fair market rent of $2,445 for a 3-bedroom in Lake County, Florida, a rental covers its full DSCR payment up to a purchase price of about $375,000, with 20% down at the 7.25% starting rate (November 2026). Lake County's median home value is $318,400; at that price the payment is $2,073 a month, so the property would need $2,075 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) | $1,959 / $2,445 / $2,856 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $318,400 |
| Median property taxes and effective rate | $2,433 (0.76% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,073 |
| Rent needed to cover that payment | $2,075 |
| Coverage of a 3-bedroom at fair market rent | 1.18 |
| Highest price a 3-bedroom at fair market rent covers | about $375,000 |
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 Lake County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Lake County?
The most active investment-property lenders in Lake County in 2025 HMDA data were Banco do Brasil Americas; AMWEST FUNDING CORP.; and CROSSCOUNTRY MORTGAGE, INC., out of 161 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 Lake County, and matches each file to the one most likely to fund it.
Lake County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,006 loans and $341.4M from 161 lenders. Banco do Brasil Americas led Lake County with 94 loans, 9.3% of the county's total, and the average Lake County loan of $339K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Banco do Brasil Americas | 94 | $47.6M | $506K | 100.0% |
| AMWEST FUNDING CORP. | 74 | $28.8M | $389K | 94.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 72 | $24.9M | $346K | 97.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 52 | $15.2M | $291K | 69.2% |
| A&D Mortgage LLC | 43 | $14.8M | $345K | 72.1% |
| BRADESCO BANK | 36 | $21.1M | $586K | 100.0% |
| Kiavi Funding, Inc. | 25 | $6.1M | $242K | 88.0% |
| Hometown Equity Mortgage, LLC | 24 | $7.8M | $323K | 70.8% |
| Rocket Mortgage, LLC | 24 | $6.8M | $285K | 62.5% |
| Cornerstone First Mortgage, Inc | 22 | $8.0M | $365K | 95.5% |
| LENNAR MORTGAGE, LLC | 22 | $7.4M | $336K | 100.0% |
| CHAMPIONS FUNDING, LLC | 22 | $7.0M | $317K | 77.3% |
| Reliable Holdings Manager dba Lendz Financial | 16 | $6.5M | $406K | 93.8% |
| OCMBC, INC. | 14 | $3.9M | $278K | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 13 | $3.5M | $270K | 61.5% |
| THE LOAN STORE, INC. | 13 | $3.2M | $248K | 61.5% |
| United Southern Bank | 13 | $1.9M | $146K | 61.5% |
| NEWREZ LLC | 12 | $4.0M | $336K | 66.7% |
| KBHS HOME LOANS, LLC | 11 | $2.6M | $235K | 100.0% |
| Helm Bank USA | 10 | $7.7M | $773K | 90.0% |
| THE MORTGAGE FIRM, INC. | 10 | $2.8M | $278K | 90.0% |
| Loan Funder LLC | 10 | $2.4M | $244K | 40.0% |
| Intercredit Bank, National Association | 9 | $3.9M | $428K | 100.0% |
| FBC MORTGAGE, LLC | 9 | $3.0M | $329K | 88.9% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 9 | $2.7M | $297K | 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 Lake County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Lake County CSV, all 25 lenders
What Lake County's table can't show you: fit. Short-term financing is exempt from HMDA, so Lake County's fix-and-flip and bridge lenders barely appear among its 161 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 Lake County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Lake 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 — Lake County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 161 lenders and 1,006 loans: 2025 HMDA loan-level data rolled up to Lake County.
- Lake County investor-lender dataset (CSV) — All 25 lenders in the Lake County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Lake 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 Orlando-Kissimmee-Sanford, FL MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Lake 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.