DSCR Loans in Nassau 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, 73 lenders made 171 investment-property loans in Nassau County, 0.3% of Florida's total. Dominick Prevete arranges DSCR loans across Nassau 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 $320,000.
Nassau County investor market at a glance
| Statistic | Nassau County | Florida | County rank |
|---|---|---|---|
| Investor loans | 171 | 49,114 | 39th of 39 |
| Reporting lenders | 73 | 1,090 | 37th of 39 |
| Loan volume | $70.2M | $18.15B | 36th of 39 |
| Average loan | $410K | $370K | 8th of 39 |
| Median loan | $335K | $265K | 5th of 39 |
| Purchases | 71.3% | 64.1% | 9th of 39 |
| Cash-out refinances | 12.3% | 20.8% | 32nd of 39 |
| 2–4 unit properties | 11.7% | 7.8% | 6th of 39 |
| Top five lenders' share | 36.3% | 23.8% | 5th of 39 |
| Reported business-purpose | 54.4% | 79.8% | 39th of 39 |
Nassau County: closed-end loans on 1–4 unit investment properties. Nassau County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Nassau County's investor loans.
What stands out in Nassau County
54.4% of Nassau County's investor loans were reported as business-purpose, the 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.
The median investor loan in Nassau County was $335K, the 5th-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.
The five most active lenders wrote 36.3% of Nassau County's investor loans, the 5th-highest share of Florida's 39 counties with published data (statewide: 23.8%).
Five lenders write 36.3% of the loans here, so comparing written term sheets matters more.
Does a DSCR loan pencil in Nassau County?
At HUD's fair market rent of $2,077 for a 3-bedroom in Nassau County, Florida, a rental covers its full DSCR payment up to a purchase price of about $320,000, with 20% down at the 7.25% starting rate (November 2026). Nassau County's median home value is $382,800; at that price the payment is $2,474 a month, so the property would need $2,475 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) | $1,694 / $2,077 / $2,594 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $382,800 |
| Median property taxes and effective rate | $2,699 (0.71% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,474 |
| Rent needed to cover that payment | $2,475 |
| Coverage of a 3-bedroom at fair market rent | 0.84 |
| Highest price a 3-bedroom at fair market rent covers | about $320,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $520,000 |
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 Nassau County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Nassau County?
The most active investment-property lenders in Nassau County in 2025 HMDA data were Capital City Home Loans, LLC; Southeastern Bank; and Kiavi Funding, Inc., out of 73 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 Nassau County, and matches each file to the one most likely to fund it.
Nassau County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 171 loans and $70.2M from 73 lenders. Capital City Home Loans, LLC led Nassau County with 15 loans, 8.8% of the county's total, and the average Nassau County loan of $410K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Capital City Home Loans, LLC | 15 | $6.3M | $422K | 100.0% |
| Southeastern Bank | 13 | $6.1M | $471K | 46.2% |
| Kiavi Funding, Inc. | 13 | $4.7M | $365K | 92.3% |
| Pineland Bank | 11 | $5.9M | $540K | 90.9% |
| DEEPHAVEN MORTGAGE LLC | 10 | $2.5M | $252K | 100.0% |
| First Port City Bank | 6 | $2.2M | $372K | 50.0% |
| Rocket Mortgage, LLC | 6 | $1.7M | $290K | 33.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 5 | $2.3M | $465K | 80.0% |
| UNION HOME MORTGAGE CORP. | 5 | $2.1M | $411K | 80.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 5 | $1.4M | $271K | 40.0% |
| KIND LENDING, LLC | 4 | $1.7M | $418K | 75.0% |
| Bank of America, National Association | 3 | $1.6M | $535K | 66.7% |
| Ameris Bank | 3 | $1.3M | $428K | 66.7% |
| NEWREZ LLC | 3 | $1.2M | $408K | 0.0% |
| 21st Mortgage Corporation | 3 | $0.5M | $158K | 100.0% |
| PrimeSouth Bank | 2 | $1.9M | $940K | 100.0% |
| United Community Bank | 2 | $1.4M | $710K | 50.0% |
| 212 LOANS, LLC. | 2 | $0.9M | $475K | 100.0% |
| RMC HOME MORTGAGE, LLC | 2 | $0.8M | $385K | 100.0% |
| CHAMPIONS FUNDING, LLC | 2 | $0.8M | $375K | 50.0% |
| PLANET HOME LENDING, LLC | 2 | $0.7M | $365K | 0.0% |
| Farmers & Merchants Bank | 2 | $0.7M | $360K | 50.0% |
| PENNYMAC LOAN SERVICES, LLC | 2 | $0.5M | $260K | 100.0% |
| Cadence Bank | 1 | $1.5M | $1505K | 100.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | $1.1M | $1105K | 0.0% |
1,098 Florida loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Nassau County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Nassau County CSV, all 25 lenders
What Nassau County's table can't show you: fit. Short-term financing is exempt from HMDA, so Nassau County's fix-and-flip and bridge lenders barely appear among its 73 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 Nassau County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Nassau 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 — Nassau County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 73 lenders and 171 loans: 2025 HMDA loan-level data rolled up to Nassau County.
- Nassau County investor-lender dataset (CSV) — All 25 lenders in the Nassau County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Nassau 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 Jacksonville, FL HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Nassau 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.