DSCR Loans in Manatee County, Florida
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 226 lenders made 1,152 investment-property loans in Manatee County, 2.3% of Florida's total. Dominick Prevete arranges DSCR loans across Manatee 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 $425,000.
Manatee County investor market at a glance
| Statistic | Manatee County | Florida | County rank |
|---|---|---|---|
| Investor loans | 1,152 | 49,114 | 13th of 39 |
| Reporting lenders | 226 | 1,090 | 11th of 39 |
| Loan volume | $462.9M | $18.15B | 14th of 39 |
| Average loan | $402K | $370K | 10th of 39 |
| Median loan | $285K | $265K | 10th of 39 |
| Purchases | 76.6% | 64.1% | 4th of 39 |
| Cash-out refinances | 10.9% | 20.8% | 36th of 39 |
| 2–4 unit properties | 7.4% | 7.8% | 19th of 39 |
| Top five lenders' share | 26.2% | 23.8% | 28th of 39 |
| Reported business-purpose | 67.7% | 79.8% | 36th of 39 |
Manatee County: closed-end loans on 1–4 unit investment properties. Manatee County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Manatee County's investor loans.
What stands out in Manatee County
67.7% of Manatee County's investor loans were reported as business-purpose, the 4th-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.
10.9% of Manatee County's investor loans were cash-out refinances, the 4th-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.
76.6% of Manatee County's investor loans were purchases, the 4th-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.
Does a DSCR loan pencil in Manatee County?
At HUD's fair market rent of $2,775 for a 3-bedroom in Manatee County, Florida, a rental covers its full DSCR payment up to a purchase price of about $425,000, with 20% down at the 7.25% starting rate (November 2026). Manatee County's median home value is $391,400; at that price the payment is $2,553 a month, so the property would need $2,575 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) | $2,188 / $2,775 / $3,309 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $391,400 |
| Median property taxes and effective rate | $3,047 (0.78% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,553 |
| Rent needed to cover that payment | $2,575 |
| Coverage of a 3-bedroom at fair market rent | 1.09 |
| Highest price a 3-bedroom at fair market rent covers | about $425,000 |
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 Manatee County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Manatee County?
The most active investment-property lenders in Manatee County in 2025 HMDA data were LENNAR MORTGAGE, LLC; UNITED SHORE FINANCIAL SERVICES, LLC; and DHI MORTGAGE COMPANY, LTD., out of 226 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 Manatee County, and matches each file to the one most likely to fund it.
Manatee County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,152 loans and $462.9M from 226 lenders. LENNAR MORTGAGE, LLC led Manatee County with 115 loans, 10.0% of the county's total, and the average Manatee County loan of $402K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| LENNAR MORTGAGE, LLC | 115 | $30.1M | $262K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 80 | $23.5M | $293K | 66.2% |
| DHI MORTGAGE COMPANY, LTD. | 41 | $10.7M | $262K | 100.0% |
| Kiavi Funding, Inc. | 34 | $11.6M | $341K | 88.2% |
| Hometown Equity Mortgage, LLC | 32 | $33.6M | $1051K | 65.6% |
| THE LOAN STORE, INC. | 30 | $11.8M | $393K | 73.3% |
| CHAMPIONS FUNDING, LLC | 27 | $11.5M | $426K | 40.7% |
| Taylor Morrison Home Funding, Inc. | 27 | $8.0M | $298K | 100.0% |
| Commerce Home Mortgage, Inc. | 25 | $10.7M | $428K | 96.0% |
| PENNYMAC LOAN SERVICES, LLC | 22 | $9.0M | $407K | 72.7% |
| NEWREZ LLC | 18 | $6.3M | $348K | 83.3% |
| DEEPHAVEN MORTGAGE LLC | 17 | $8.0M | $468K | 52.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 17 | $6.7M | $391K | 82.4% |
| AMWEST FUNDING CORP. | 17 | $4.8M | $285K | 82.4% |
| Bank OZK | 17 | $4.2M | $244K | 94.1% |
| Easy Street Capital, LLC | 16 | $6.3M | $395K | 0.0% |
| Rocket Mortgage, LLC | 16 | $6.2M | $390K | 50.0% |
| PANORAMA MORTGAGE GROUP, LLC | 16 | $2.9M | $178K | 100.0% |
| MOVEMENT MORTGAGE, LLC | 14 | $6.8M | $486K | 92.9% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 14 | $6.1M | $436K | 50.0% |
| A&D Mortgage LLC | 14 | $4.3M | $307K | 71.4% |
| Citadel Servicing Corporation | 13 | $5.9M | $456K | 23.1% |
| Cornerstone First Mortgage, Inc | 13 | $3.8M | $296K | 69.2% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 13 | $3.2M | $247K | 92.3% |
| LENDSURE MORTGAGE CORP. | 12 | $6.7M | $561K | 75.0% |
1,098 Florida loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Manatee County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Manatee County CSV, all 25 lenders
What Manatee County's table can't show you: fit. Short-term financing is exempt from HMDA, so Manatee County's fix-and-flip and bridge lenders barely appear among its 226 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 Manatee County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Manatee 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 — Manatee County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 226 lenders and 1,152 loans: 2025 HMDA loan-level data rolled up to Manatee County.
- Manatee County investor-lender dataset (CSV) — All 25 lenders in the Manatee County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Manatee 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 North Port-Bradenton-Sarasota, FL MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Manatee 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.