DSCR Loans in Miami-Dade County, Florida
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 273 lenders made 6,082 investment-property loans in Miami-Dade County, 12.4% of Florida's total. Dominick Prevete arranges DSCR loans across Miami-Dade 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 $500,000.
Miami-Dade County investor market at a glance
| Statistic | Miami-Dade County | Florida | County rank |
|---|---|---|---|
| Investor loans | 6,082 | 49,114 | 1st of 39 |
| Reporting lenders | 273 | 1,090 | 6th of 39 |
| Loan volume | $3.17B | $18.15B | 1st of 39 |
| Average loan | $521K | $370K | 5th of 39 |
| Median loan | $375K | $265K | 4th of 39 |
| Purchases | 57.0% | 64.1% | 37th of 39 |
| Cash-out refinances | 30.0% | 20.8% | 1st of 39 |
| 2–4 unit properties | 10.4% | 7.8% | 9th of 39 |
| Top five lenders' share | 34.0% | 23.8% | 6th of 39 |
| Reported business-purpose | 84.3% | 79.8% | 4th of 39 |
Miami-Dade County: closed-end loans on 1–4 unit investment properties. Miami-Dade County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Miami-Dade County's investor loans.
What stands out in Miami-Dade County
30.0% of Miami-Dade County's investor loans were cash-out refinances, the 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.
57.0% of Miami-Dade County's investor loans were purchases, the 3rd-lowest share of Florida's 39 counties with published data (statewide: 64.1%).
Refinances are a larger share here than in most of Florida. A DSCR refinance qualifies on the property's current rent.
The median investor loan in Miami-Dade County was $375K, the 4th-highest median of Florida's 39 counties with published data (statewide: $265K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
Does a DSCR loan pencil in Miami-Dade County?
At HUD's fair market rent of $3,277 for a 3-bedroom in Miami-Dade County, Florida, a rental covers its full DSCR payment up to a purchase price of about $500,000, with 20% down at the 7.25% starting rate (November 2026). Miami-Dade County's median home value is $463,000; at that price the payment is $3,032 a month, so the property would need $3,050 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) | $2,564 / $3,277 / $3,749 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $463,000 |
| Median property taxes and effective rate | $3,744 (0.81% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,032 |
| Rent needed to cover that payment | $3,050 |
| Coverage of a 3-bedroom at fair market rent | 1.08 |
| Highest price a 3-bedroom at fair market rent covers | about $500,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $780,000 |
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 Miami-Dade County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Miami-Dade County?
The most active investment-property lenders in Miami-Dade County in 2025 HMDA data were A&D Mortgage LLC; UNITED SHORE FINANCIAL SERVICES, LLC; and BRADESCO BANK, out of 273 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 Miami-Dade County, and matches each file to the one most likely to fund it.
Miami-Dade County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 6,082 loans and $3.17B from 273 lenders. A&D Mortgage LLC led Miami-Dade County with 877 loans, 14.4% of the county's total, and the average Miami-Dade County loan of $521K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| A&D Mortgage LLC | 877 | $307.1M | $350K | 60.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 376 | $141.9M | $377K | 52.4% |
| BRADESCO BANK | 337 | $250.5M | $743K | 91.7% |
| CHAMPIONS FUNDING, LLC | 251 | $124.1M | $495K | 56.6% |
| DEEPHAVEN MORTGAGE LLC | 227 | $95.4M | $420K | 43.2% |
| Kiavi Funding, Inc. | 199 | $93.5M | $470K | 83.4% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 192 | $77.8M | $405K | 54.7% |
| Hometown Equity Mortgage, LLC | 170 | $98.4M | $579K | 45.9% |
| Citadel Servicing Corporation | 168 | $91.1M | $542K | 54.8% |
| AMWEST FUNDING CORP. | 147 | $54.8M | $373K | 52.4% |
| THE LOAN STORE, INC. | 145 | $65.1M | $449K | 53.1% |
| OCMBC, INC. | 141 | $62.2M | $441K | 39.0% |
| Reliable Holdings Manager dba Lendz Financial | 139 | $61.6M | $443K | 56.8% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 108 | $65.4M | $605K | 18.5% |
| HOMEXPRESS MORTGAGE CORP. | 96 | $43.0M | $447K | 31.2% |
| Rocket Mortgage, LLC | 94 | $32.5M | $345K | 28.7% |
| Cornerstone First Mortgage, Inc | 81 | $33.9M | $418K | 65.4% |
| CLEAREDGE LENDING LLC | 73 | $32.7M | $449K | 61.6% |
| Banco do Brasil Americas | 65 | $74.5M | $1146K | 81.5% |
| NEXERA HOLDING LLC | 61 | $29.4M | $482K | 36.1% |
| Helm Bank USA | 60 | $45.9M | $765K | 85.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 60 | $33.7M | $561K | 73.3% |
| Paramount Residential Mortgage Group, Inc. | 60 | $23.6M | $393K | 61.7% |
| Logan Finance Corporation | 55 | $24.8M | $450K | 45.5% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 52 | $23.5M | $452K | 59.6% |
1,098 Florida loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Miami-Dade County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Miami-Dade County CSV, all 25 lenders
What Miami-Dade County's table can't show you: fit. Short-term financing is exempt from HMDA, so Miami-Dade County's fix-and-flip and bridge lenders barely appear among its 273 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 Miami-Dade County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Miami-Dade 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 — Miami-Dade County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 273 lenders and 6,082 loans: 2025 HMDA loan-level data rolled up to Miami-Dade County.
- Miami-Dade County investor-lender dataset (CSV) — All 25 lenders in the Miami-Dade County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Miami-Dade 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 Miami-Miami Beach-Kendall, FL HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Miami-Dade 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.