DSCR Loans in Nassau County, New York
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, 146 lenders made 1,551 investment-property loans in Nassau County, 7.0% of New York's total. Dominick Prevete arranges DSCR loans across Nassau County, New York, 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 at most about $485,000.
Nassau County investor market at a glance
| Statistic | Nassau County | New York | County rank |
|---|---|---|---|
| Investor loans | 1,551 | 22,268 | 4th of 26 |
| Reporting lenders | 146 | 396 | 4th of 26 |
| Loan volume | $980.8M | $11.65B | 4th of 26 |
| Average loan | $632K | $523K | 7th of 26 |
| Median loan | $555K | $405K | 6th of 26 |
| Purchases | 64.8% | 59.1% | 7th of 26 |
| Cash-out refinances | 22.9% | 25.7% | 19th of 26 |
| 2–4 unit properties | 17.5% | 44.0% | 22nd of 26 |
| Top five lenders' share | 30.2% | 22.4% | 18th of 26 |
| Reported business-purpose | 82.5% | 85.6% | 19th of 26 |
Nassau County: closed-end loans on 1–4 unit investment properties. Nassau County's rank is highest first, among New York'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
17.5% of Nassau County's investor loans financed a 2–4 unit property, the 5th-lowest share of New York's 26 counties with published data (statewide: 44.0%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
The median investor loan in Nassau County was $555K, the 6th-highest median of New York's 26 counties with published data (statewide: $405K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
Does a DSCR loan pencil in Nassau County?
At HUD's fair market rent of $3,458 for a 3-bedroom in Nassau County, New York, a rental covers its full DSCR payment up to a purchase price of at most about $485,000, with 20% down at the 7.25% starting rate (November 2026). Nassau County's median home value is $684,700; at that price the payment is at least $4,855 a month, so the property would need at least $4,875 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) | $2,689 / $3,458 / $3,671 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $684,700 |
| Median property taxes and effective rate | $10,000+ (at least 1.46% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | at least $4,855 |
| Rent needed to cover that payment | at least $4,875 |
| Coverage of a 3-bedroom at fair market rent | 0.71 or less |
| Highest price a 3-bedroom at fair market rent covers | at most about $485,000 |
Census reports median property taxes of $10,000 or more as "$10,000+", so this county's true median tax is higher than the figure used: the payment and the rent needed are at least what is shown, and the price and coverage at most.
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 Loan Funder LLC; UNITED SHORE FINANCIAL SERVICES, LLC; and CHAMPIONS FUNDING, LLC, out of 146 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 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: 1,551 loans and $980.8M from 146 lenders. Loan Funder LLC led Nassau County with 232 loans, 15.0% of the county's total, and the average Nassau County loan of $632K compares with $523K across New York.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Loan Funder LLC | 232 | $148.1M | $638K | 80.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 72 | $40.5M | $563K | 63.9% |
| CHAMPIONS FUNDING, LLC | 67 | $51.7M | $771K | 62.7% |
| Hometown Equity Mortgage, LLC | 54 | $35.4M | $655K | 37.0% |
| A&D Mortgage LLC | 43 | $21.9M | $509K | 76.7% |
| INTERSTATE HOME LOAN CENTER, INC. | 40 | $26.0M | $649K | 72.5% |
| ARC HOME LLC | 37 | $23.0M | $623K | 81.1% |
| LENDINGONE, LLC | 35 | $37.8M | $1081K | 14.3% |
| CLIFFCO, INC. | 33 | $16.9M | $511K | 75.8% |
| Logan Finance Corporation | 31 | $20.5M | $660K | 54.8% |
| EAST COAST CAPITAL CORP. | 31 | $19.3M | $623K | 67.7% |
| Citadel Servicing Corporation | 30 | $18.4M | $613K | 40.0% |
| Hanover Community Bank | 29 | $18.9M | $651K | 93.1% |
| ALLIED MORTGAGE GROUP, INC. | 29 | $15.0M | $516K | 93.1% |
| Emporium TPO LLC | 27 | $18.8M | $696K | 44.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 27 | $17.4M | $644K | 59.3% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 27 | $14.4M | $534K | 48.1% |
| FM Home Loans, LLC | 26 | $18.8M | $722K | 50.0% |
| CONTOUR MORTGAGE CORPORATION | 26 | $14.1M | $543K | 65.4% |
| JPMorgan Chase Bank, National Association | 25 | $15.1M | $605K | 76.0% |
| NEWREZ LLC | 24 | $14.1M | $586K | 75.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 23 | $11.7M | $509K | 43.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 21 | $11.7M | $558K | 81.0% |
| Kiavi Funding, Inc. | 20 | $14.6M | $730K | 95.0% |
| Rocket Mortgage, LLC | 20 | $10.8M | $543K | 30.0% |
617 New York loans (2.8%) 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 146 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 Nassau County, New York deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Nassau County, New York 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 146 lenders and 1,551 loans: 2025 HMDA loan-level data rolled up to Nassau County.
- Nassau County investor-lender dataset (CSV) — All 25 lenders in the Nassau County, New York 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 Nassau-Suffolk, NY 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.