DSCR Loans in Marion 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, 184 lenders made 1,120 investment-property loans in Marion County, 2.3% of Florida's total. Dominick Prevete arranges DSCR loans across Marion 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 $280,000.
Marion County investor market at a glance
| Statistic | Marion County | Florida | County rank |
|---|---|---|---|
| Investor loans | 1,120 | 49,114 | 14th of 39 |
| Reporting lenders | 184 | 1,090 | 19th of 39 |
| Loan volume | $235.0M | $18.15B | 23rd of 39 |
| Average loan | $210K | $370K | 37th of 39 |
| Median loan | $195K | $265K | 33rd of 39 |
| Purchases | 69.5% | 64.1% | 12th of 39 |
| Cash-out refinances | 17.8% | 20.8% | 25th of 39 |
| 2–4 unit properties | 6.3% | 7.8% | 23rd of 39 |
| Top five lenders' share | 24.8% | 23.8% | 31st of 39 |
| Reported business-purpose | 78.8% | 79.8% | 16th of 39 |
Marion County: closed-end loans on 1–4 unit investment properties. Marion County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Marion County's investor loans.
What stands out in Marion County
The average investor loan in Marion County was $210K, the 3rd-lowest average of Florida's 39 counties with published data (statewide: $370K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
The five most active lenders wrote 24.8% of Marion County's investor loans, the 9th-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.
Does a DSCR loan pencil in Marion County?
At HUD's fair market rent of $1,836 for a 3-bedroom in Marion County, Florida, a rental covers its full DSCR payment up to a purchase price of about $280,000, with 20% down at the 7.25% starting rate (November 2026). Marion County's median home value is $243,100; at that price the payment is $1,578 a month, so the property would need $1,600 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) | $1,394 / $1,836 / $1,925 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $243,100 |
| Median property taxes and effective rate | $1,806 (0.74% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,578 |
| Rent needed to cover that payment | $1,600 |
| Coverage of a 3-bedroom at fair market rent | 1.16 |
| Highest price a 3-bedroom at fair market rent covers | about $280,000 |
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 Marion County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Marion County?
The most active investment-property lenders in Marion County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; LENNAR MORTGAGE, LLC; and Kiavi Funding, Inc., out of 184 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 Marion County, and matches each file to the one most likely to fund it.
Marion County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,120 loans and $235.0M from 184 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Marion County with 80 loans, 7.1% of the county's total, and the average Marion County loan of $210K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 80 | $16.5M | $206K | 61.3% |
| LENNAR MORTGAGE, LLC | 65 | $12.9M | $199K | 100.0% |
| Kiavi Funding, Inc. | 51 | $10.3M | $202K | 76.5% |
| A&D Mortgage LLC | 44 | $9.6M | $218K | 77.3% |
| CHAMPIONS FUNDING, LLC | 38 | $9.0M | $237K | 57.9% |
| CMG MORTGAGE, INC. | 35 | $7.8M | $222K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 30 | $6.3M | $210K | 53.3% |
| DHI MORTGAGE COMPANY, LTD. | 29 | $6.0M | $206K | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 28 | $5.8M | $208K | 53.6% |
| FIRST COLONY MORTGAGE CORPORATION | 28 | $5.6M | $201K | 75.0% |
| AMERICAN HERITAGE LENDING, LLC | 28 | $5.3M | $188K | 17.9% |
| Hometown Equity Mortgage, LLC | 27 | $6.3M | $235K | 63.0% |
| 21st Mortgage Corporation | 27 | $2.1M | $78K | 88.9% |
| OCMBC, INC. | 26 | $5.3M | $203K | 69.2% |
| AMWEST FUNDING CORP. | 25 | $5.4M | $216K | 80.0% |
| Rocket Mortgage, LLC | 24 | $4.7M | $194K | 50.0% |
| NEWREZ LLC | 22 | $5.0M | $228K | 63.6% |
| AMERICAN FINANCIAL NETWORK, INC. | 21 | $4.3M | $204K | 61.9% |
| THE LOAN STORE, INC. | 19 | $4.0M | $210K | 78.9% |
| DEEPHAVEN MORTGAGE LLC | 18 | $3.5M | $193K | 55.6% |
| Cornerstone First Mortgage, Inc | 15 | $3.2M | $214K | 46.7% |
| Logan Finance Corporation | 14 | $3.0M | $214K | 85.7% |
| Commerce Home Mortgage, Inc. | 13 | $2.7M | $206K | 100.0% |
| Reliable Holdings Manager dba Lendz Financial | 11 | $2.3M | $205K | 45.5% |
| DOMINION FINANCIAL SERVICES, LLC | 11 | $2.1M | $192K | 18.2% |
1,098 Florida loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Marion County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Marion County CSV, all 25 lenders
What Marion County's table can't show you: fit. Short-term financing is exempt from HMDA, so Marion County's fix-and-flip and bridge lenders barely appear among its 184 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 Marion County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Marion 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 — Marion County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 184 lenders and 1,120 loans: 2025 HMDA loan-level data rolled up to Marion County.
- Marion County investor-lender dataset (CSV) — All 25 lenders in the Marion County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Marion 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 Ocala, FL MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Marion 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.