DSCR Loans in Martin 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, 102 lenders made 252 investment-property loans in Martin County, 0.5% of Florida's total. Dominick Prevete arranges DSCR loans across Martin 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.
Martin County investor market at a glance
| Statistic | Martin County | Florida | County rank |
|---|---|---|---|
| Investor loans | 252 | 49,114 | 36th of 39 |
| Reporting lenders | 102 | 1,090 | 33rd of 39 |
| Loan volume | $141.6M | $18.15B | 28th of 39 |
| Average loan | $562K | $370K | 4th of 39 |
| Median loan | $315K | $265K | 8th of 39 |
| Purchases | 62.3% | 64.1% | 27th of 39 |
| Cash-out refinances | 29.0% | 20.8% | 3rd of 39 |
| 2–4 unit properties | 9.1% | 7.8% | 12th of 39 |
| Top five lenders' share | 28.2% | 23.8% | 22nd of 39 |
| Reported business-purpose | 83.7% | 79.8% | 5th of 39 |
Martin County: closed-end loans on 1–4 unit investment properties. Martin County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Martin County's investor loans.
What stands out in Martin County
29.0% of Martin County's investor loans were cash-out refinances, the 3rd-highest share of Florida's 39 counties with published data (statewide: 20.8%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
The average investor loan in Martin County was $562K, the 4th-highest average of Florida's 39 counties with published data (statewide: $370K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
By share of investor loans reported as business-purpose, Martin County ranks 5th-highest of Florida's 39 counties with published data (statewide: 79.8%).
83.7% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Does a DSCR loan pencil in Martin County?
At HUD's fair market rent of $2,801 for a 3-bedroom in Martin 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). Martin County's median home value is $432,200; at that price the payment is $2,816 a month, so the property would need $2,825 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) | $2,069 / $2,801 / $2,924 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $432,200 |
| Median property taxes and effective rate | $3,322 (0.77% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,816 |
| Rent needed to cover that payment | $2,825 |
| Coverage of a 3-bedroom at fair market rent | 0.99 |
| Highest price a 3-bedroom at fair market rent covers | about $425,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $635,000 |
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 Martin County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Martin County?
The most active investment-property lenders in Martin County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; ANGEL OAK MORTGAGE SOLUTIONS LLC; and CROSSCOUNTRY MORTGAGE, INC., out of 102 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 Martin County, and matches each file to the one most likely to fund it.
Martin County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 252 loans and $141.6M from 102 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Martin County with 23 loans, 9.1% of the county's total, and the average Martin County loan of $562K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 23 | $8.2M | $355K | 56.5% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 16 | $8.5M | $533K | 68.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 14 | $5.8M | $411K | 92.9% |
| ARC HOME LLC | 10 | $3.9M | $385K | 10.0% |
| Kiavi Funding, Inc. | 8 | $3.8M | $474K | 87.5% |
| A&D Mortgage LLC | 8 | $3.1M | $383K | 87.5% |
| CHAMPIONS FUNDING, LLC | 6 | $2.3M | $375K | 16.7% |
| MATTAMY HOME FUNDING, LLC | 6 | $2.2M | $362K | 100.0% |
| THE LOAN STORE, INC. | 6 | $2.0M | $337K | 0.0% |
| GUARANTEED RATE, INC. | 6 | $1.9M | $322K | 83.3% |
| PULTE MORTGAGE LLC | 6 | $1.5M | $257K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | $2.1M | $411K | 60.0% |
| HOMEXPRESS MORTGAGE CORP. | 5 | $1.9M | $387K | 20.0% |
| CLEAREDGE LENDING LLC | 4 | $4.5M | $1113K | 25.0% |
| Hometown Equity Mortgage, LLC | 4 | $2.7M | $683K | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | $1.5M | $370K | 100.0% |
| Easy Street Capital, LLC | 4 | $1.3M | $315K | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 4 | $0.9M | $235K | 100.0% |
| Bank of America, National Association | 3 | $35.4M | $11785K | 33.3% |
| EVERETT FINANCIAL, INC. | 3 | $1.6M | $542K | 66.7% |
| Rocket Mortgage, LLC | 3 | $0.9M | $308K | 66.7% |
| NEWREZ LLC | 3 | $0.7M | $248K | 33.3% |
| Citadel Servicing Corporation | 3 | $0.7M | $218K | 100.0% |
| AMERITRUST MORTGAGE CORPORATION | 3 | $0.5M | $178K | 0.0% |
| AMERICAN BANCSHARES MORTGAGE, LLC | 2 | $2.7M | $1370K | 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 Martin County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Martin County CSV, all 25 lenders
What Martin County's table can't show you: fit. Short-term financing is exempt from HMDA, so Martin County's fix-and-flip and bridge lenders barely appear among its 102 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 Martin County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Martin 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 — Martin County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 102 lenders and 252 loans: 2025 HMDA loan-level data rolled up to Martin County.
- Martin County investor-lender dataset (CSV) — All 25 lenders in the Martin County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Martin 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 Port St. Lucie, FL MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Martin 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.