DSCR Loans in Leon County, Florida
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 131 lenders made 480 investment-property loans in Leon County, 1.0% of Florida's total. Dominick Prevete arranges DSCR loans across Leon 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 $265,000.
Leon County investor market at a glance
| Statistic | Leon County | Florida | County rank |
|---|---|---|---|
| Investor loans | 480 | 49,114 | 27th of 39 |
| Reporting lenders | 131 | 1,090 | 27th of 39 |
| Loan volume | $99.4M | $18.15B | 30th of 39 |
| Average loan | $207K | $370K | 38th of 39 |
| Median loan | $165K | $265K | 39th of 39 |
| Purchases | 64.2% | 64.1% | 22nd of 39 |
| Cash-out refinances | 18.5% | 20.8% | 23rd of 39 |
| 2–4 unit properties | 17.1% | 7.8% | 3rd of 39 |
| Top five lenders' share | 22.9% | 23.8% | 34th of 39 |
| Reported business-purpose | 66.5% | 79.8% | 37th of 39 |
Leon County: closed-end loans on 1–4 unit investment properties. Leon County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Leon County's investor loans.
What stands out in Leon County
The median investor loan in Leon County was $165K, the lowest median of Florida's 39 counties with published data (statewide: $265K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
17.1% of Leon County's investor loans financed a 2–4 unit property, the 3rd-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.
66.5% of Leon County's investor loans were reported as business-purpose, the 3rd-lowest share of Florida's 39 counties with published data (statewide: 79.8%).
Fewer investor loans here were reported as business-purpose than in most of Florida. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
Does a DSCR loan pencil in Leon County?
At HUD's fair market rent of $1,742 for a 3-bedroom in Leon County, Florida, a rental covers its full DSCR payment up to a purchase price of about $265,000, with 20% down at the 7.25% starting rate (November 2026). Leon County's median home value is $301,800; at that price the payment is $1,973 a month, so the property would need $1,975 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) | $1,424 / $1,742 / $1,871 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $301,800 |
| Median property taxes and effective rate | $2,397 (0.79% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,973 |
| Rent needed to cover that payment | $1,975 |
| Coverage of a 3-bedroom at fair market rent | 0.88 |
| Highest price a 3-bedroom at fair market rent covers | about $265,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $435,000 |
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 Leon County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Leon County?
The most active investment-property lenders in Leon County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Prime Meridian Bank; and Thomasville National Bank, out of 131 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 two that reported in Leon County, and matches each file to the one most likely to fund it.
Leon County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 480 loans and $99.4M from 131 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Leon County with 28 loans, 5.8% of the county's total, and the average Leon County loan of $207K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 28 | $5.6M | $199K | 64.3% |
| Prime Meridian Bank | 24 | $5.5M | $230K | 87.5% |
| Thomasville National Bank | 20 | $4.6M | $230K | 95.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 19 | $7.6M | $401K | 0.0% |
| Rocket Mortgage, LLC | 19 | $3.6M | $192K | 47.4% |
| Kiavi Funding, Inc. | 18 | $3.9M | $217K | 72.2% |
| ServisFirst Bank | 16 | $3.1M | $193K | 81.2% |
| COLONY BANK | 15 | $3.5M | $232K | 86.7% |
| Loandepot.Com, LLC | 11 | $1.9M | $174K | 72.7% |
| A&D Mortgage LLC | 11 | $1.6M | $143K | 36.4% |
| Ameris Bank | 10 | $2.4M | $244K | 70.0% |
| MOVEMENT MORTGAGE, LLC | 10 | $2.1M | $207K | 90.0% |
| THE LOAN STORE, INC. | 10 | $2.0M | $196K | 80.0% |
| FIRST COMMERCE CREDIT UNION | 9 | $1.1M | $119K | 33.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 7 | $1.8M | $258K | 42.9% |
| DEEPHAVEN MORTGAGE LLC | 7 | $1.2M | $168K | 100.0% |
| Truist Bank | 7 | $1.1M | $164K | 71.4% |
| MidSouth Bank | 7 | $0.9M | $135K | 85.7% |
| NEWREZ LLC | 7 | $0.8M | $116K | 42.9% |
| CV3 FINANCIAL SERVICES, LLC | 6 | $1.2M | $198K | 66.7% |
| Centennial Bank | 6 | $1.2M | $195K | 100.0% |
| Capital City Bank | 6 | $1.1M | $185K | 50.0% |
| Hometown Equity Mortgage, LLC | 6 | $1.1M | $180K | 33.3% |
| General Mortgage Capital Corporation | 5 | $1.4M | $285K | 40.0% |
| DHI MORTGAGE COMPANY, LTD. | 5 | $1.4M | $285K | 100.0% |
1,098 Florida loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Leon County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Leon County CSV, all 25 lenders
What Leon County's table can't show you: fit. Short-term financing is exempt from HMDA, so Leon County's fix-and-flip and bridge lenders barely appear among its 131 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 some 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 Leon County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Leon 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 — Leon County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 131 lenders and 480 loans: 2025 HMDA loan-level data rolled up to Leon County.
- Leon County investor-lender dataset (CSV) — All 25 lenders in the Leon County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Leon 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 Tallahassee, FL HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Leon 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.