DSCR Loans in Ocean County, New Jersey
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)
Dominick Prevete arranges DSCR loans across Ocean County, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.125% (October 2026), and most close in 14 days. In 2025 HMDA data, 155 lenders made 1,731 investment-property loans there, 9.5% of New Jersey's total; the most active are in the table below.
Ocean County investor market at a glance
| Statistic | Ocean County | New Jersey | County rank |
|---|---|---|---|
| Investor loans | 1,731 | 18,316 | 2nd of 20 |
| Reporting lenders | 155 | 439 | 6th of 20 |
| Loan volume | $818.7M | $7.88B | 2nd of 20 |
| Average loan | $473K | $430K | 8th of 20 |
| Median loan | $395K | $365K | 9th of 20 |
| Purchases | 62.7% | 56.9% | 5th of 20 |
| Cash-out refinances | 20.8% | 26.0% | 17th of 20 |
| 2–4 unit properties | 5.7% | 30.0% | 20th of 20 |
| Top five lenders' share | 30.2% | 24.4% | 12th of 20 |
| Reported business-purpose | 83.2% | 81.1% | 4th of 20 |
Ocean County: closed-end loans on 1–4 unit investment properties. Ocean County's rank is highest first, among New Jersey's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Ocean County's investor loans.
What stands out in Ocean County
5.7% of Ocean County's investor loans financed a 2–4 unit property, the lowest share of New Jersey's 20 counties with published data (statewide: 30.0%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
62.7% of Ocean County's investor loans were purchases, ranking 5th highest of New Jersey's 20 counties with published data (statewide: 56.9%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
Who are the DSCR and investment-property lenders in Ocean County?
The most active investment-property lenders in Ocean County in 2025 HMDA data were GUARANTEED RATE, INC.; FM Home Loans, LLC; and THE LOAN STORE, INC., out of 155 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 Ocean County, and matches each file to the one most likely to fund it.
Ocean County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,731 loans and $818.7M from 155 lenders. GUARANTEED RATE, INC. led Ocean County with 109 loans, 6.3% of the county's total, and the average Ocean County loan of $473K compares with $430K across New Jersey.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| GUARANTEED RATE, INC. | 109 | $53.6M | $491K | 70.6% |
| FM Home Loans, LLC | 109 | $52.5M | $482K | 53.2% |
| THE LOAN STORE, INC. | 108 | $47.6M | $441K | 67.6% |
| ARK MORTGAGE, INC. | 100 | $45.4M | $454K | 51.0% |
| Loan Funder LLC | 96 | $36.9M | $384K | 70.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 76 | $32.6M | $429K | 56.6% |
| CHAMPIONS FUNDING, LLC | 60 | $30.8M | $514K | 43.3% |
| Kiavi Funding, Inc. | 54 | $21.8M | $403K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 43 | $23.3M | $542K | 81.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 39 | $19.2M | $493K | 89.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 35 | $12.6M | $361K | 91.4% |
| Logan Finance Corporation | 34 | $15.1M | $443K | 67.6% |
| ICE LENDER HOLDINGS LLC | 33 | $15.3M | $462K | 39.4% |
| Emporium TPO LLC | 30 | $14.7M | $489K | 43.3% |
| Citadel Servicing Corporation | 25 | $12.8M | $510K | 68.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 24 | $7.3M | $306K | 70.8% |
| KIND LENDING, LLC | 23 | $10.2M | $445K | 69.6% |
| Rocket Mortgage, LLC | 23 | $6.9M | $298K | 26.1% |
| CONSTRUCTIVE LOANS, LLC | 22 | $10.6M | $482K | 50.0% |
| Loandepot.Com, LLC | 21 | $14.2M | $677K | 66.7% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 21 | $13.1M | $623K | 90.5% |
| Skyrock Mortgage Corp | 20 | $10.5M | $526K | 70.0% |
| The Federal Savings Bank | 19 | $8.2M | $431K | 57.9% |
| FIRST COLONY MORTGAGE CORPORATION | 19 | $7.9M | $414K | 42.1% |
| DEEPHAVEN MORTGAGE LLC | 19 | $7.8M | $409K | 21.1% |
590 New Jersey loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Ocean County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Ocean County CSV, all 25 lenders
What Ocean County's table can't show you: fit. Short-term financing is exempt from HMDA, so Ocean County's fix-and-flip and bridge lenders barely appear among its 155 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.
What Ocean County deals has Dominick Prevete closed?
The proof is a closing, not a promise.
- $444,000Barnegat, NJ
Single-family short-term rental · Bank statement purchase · closed January 2025
These are closings Dominick Prevete arranged personally, 1 of the 35 on his closed transactions record, which lists each one's leverage, coverage and rate at closing.
Run the coverage test on your Ocean County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Ocean County 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 — Ocean County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 155 lenders and 1,731 loans: 2025 HMDA loan-level data rolled up to Ocean County.
- Ocean County investor-lender dataset (CSV) — All 25 Ocean County lenders in the table, GUARANTEED RATE, INC. first, with volume, average loan and purchase share for each.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.125%, as of October 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.