DSCR Loans in Lee County, Florida
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 321 lenders made 2,549 investment-property loans in Lee County, 5.2% of Florida's total. Dominick Prevete arranges DSCR loans across Lee 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.
Lee County investor market at a glance
| Statistic | Lee County | Florida | County rank |
|---|---|---|---|
| Investor loans | 2,549 | 49,114 | 5th of 39 |
| Reporting lenders | 321 | 1,090 | 1st of 39 |
| Loan volume | $793.3M | $18.15B | 7th of 39 |
| Average loan | $311K | $370K | 20th of 39 |
| Median loan | $255K | $265K | 19th of 39 |
| Purchases | 61.2% | 64.1% | 28th of 39 |
| Cash-out refinances | 22.8% | 20.8% | 10th of 39 |
| 2–4 unit properties | 12.6% | 7.8% | 5th of 39 |
| Top five lenders' share | 19.5% | 23.8% | 39th of 39 |
| Reported business-purpose | 79.0% | 79.8% | 15th of 39 |
Lee County: closed-end loans on 1–4 unit investment properties. Lee County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Lee County's investor loans.
What stands out in Lee County
The five most active lenders wrote 19.5% of Lee County's investor loans, the lowest share of Florida's 39 counties with published data (statewide: 23.8%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
12.6% of Lee County's investor loans financed a 2–4 unit property, the 5th-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.
Does a DSCR loan pencil in Lee County?
At HUD's fair market rent of $2,373 for a 3-bedroom in Lee 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). Lee County's median home value is $362,200; at that price the payment is $2,366 a month, so the property would need $2,375 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) | $1,835 / $2,373 / $2,615 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $362,200 |
| Median property taxes and effective rate | $2,858 (0.79% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,366 |
| Rent needed to cover that payment | $2,375 |
| Coverage of a 3-bedroom at fair market rent | 1.00 |
| 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 $560,000 |
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 Lee County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Lee County?
The most active investment-property lenders in Lee County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; A&D Mortgage LLC; and CHAMPIONS FUNDING, LLC, out of 321 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 Lee County, and matches each file to the one most likely to fund it.
Lee County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 2,549 loans and $793.3M from 321 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Lee County with 166 loans, 6.5% of the county's total, and the average Lee County loan of $311K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 166 | $47.0M | $283K | 55.4% |
| A&D Mortgage LLC | 102 | $25.9M | $254K | 53.9% |
| CHAMPIONS FUNDING, LLC | 90 | $27.1M | $302K | 41.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 70 | $20.4M | $291K | 74.3% |
| Kiavi Funding, Inc. | 70 | $16.4M | $235K | 80.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 63 | $20.9M | $332K | 54.0% |
| Hometown Equity Mortgage, LLC | 62 | $19.0M | $307K | 37.1% |
| Rocket Mortgage, LLC | 58 | $19.9M | $344K | 70.7% |
| OCMBC, INC. | 52 | $16.1M | $309K | 61.5% |
| THE LOAN STORE, INC. | 48 | $17.1M | $357K | 66.7% |
| HOMEXPRESS MORTGAGE CORP. | 48 | $14.2M | $295K | 37.5% |
| AMWEST FUNDING CORP. | 47 | $11.9M | $253K | 57.4% |
| Reliable Holdings Manager dba Lendz Financial | 47 | $10.4M | $222K | 85.1% |
| LENNAR MORTGAGE, LLC | 46 | $11.1M | $241K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 45 | $12.9M | $288K | 51.1% |
| Loan Funder LLC | 44 | $15.4M | $350K | 40.9% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 38 | $12.3M | $325K | 55.3% |
| Citadel Servicing Corporation | 38 | $11.4M | $299K | 65.8% |
| NEWREZ LLC | 36 | $10.1M | $279K | 50.0% |
| ARC HOME LLC | 34 | $11.3M | $332K | 55.9% |
| AMERICAN HERITAGE LENDING, LLC | 29 | $13.1M | $451K | 37.9% |
| KIND LENDING, LLC | 29 | $8.2M | $283K | 79.3% |
| Commerce Home Mortgage, Inc. | 28 | $9.5M | $338K | 75.0% |
| LIMA ONE CAPITAL, LLC | 28 | $7.5M | $270K | 14.3% |
| Sanibel Captiva Community Bank | 26 | $13.9M | $535K | 84.6% |
1,098 Florida loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Lee County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Lee County CSV, all 25 lenders
What Lee County's table can't show you: fit. Short-term financing is exempt from HMDA, so Lee County's fix-and-flip and bridge lenders barely appear among its 321 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 Lee County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Lee 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 — Lee County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 321 lenders and 2,549 loans: 2025 HMDA loan-level data rolled up to Lee County.
- Lee County investor-lender dataset (CSV) — All 25 lenders in the Lee County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Lee 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 Cape Coral-Fort Myers, FL MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Lee 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.