DSCR Loans in Orange 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, 261 lenders made 2,717 investment-property loans in Orange County, 5.5% of Florida's total. Dominick Prevete arranges DSCR loans across Orange 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 $375,000.
Orange County investor market at a glance
| Statistic | Orange County | Florida | County rank |
|---|---|---|---|
| Investor loans | 2,717 | 49,114 | 4th of 39 |
| Reporting lenders | 261 | 1,090 | 7th of 39 |
| Loan volume | $921.4M | $18.15B | 4th of 39 |
| Average loan | $339K | $370K | 16th of 39 |
| Median loan | $275K | $265K | 13th of 39 |
| Purchases | 67.5% | 64.1% | 18th of 39 |
| Cash-out refinances | 20.9% | 20.8% | 13th of 39 |
| 2–4 unit properties | 3.0% | 7.8% | 36th of 39 |
| Top five lenders' share | 28.0% | 23.8% | 23rd of 39 |
| Reported business-purpose | 81.9% | 79.8% | 10th of 39 |
Orange County: closed-end loans on 1–4 unit investment properties. Orange County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Orange County's investor loans.
What stands out in Orange County
3.0% of Orange County's investor loans financed a 2–4 unit property, the 4th-lowest share of Florida's 39 counties with published data (statewide: 7.8%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Orange County's 2,717 investor loans ranked 4th of Florida's 39 counties with published data.
Does a DSCR loan pencil in Orange County?
At HUD's fair market rent of $2,445 for a 3-bedroom in Orange County, Florida, a rental covers its full DSCR payment up to a purchase price of about $375,000, with 20% down at the 7.25% starting rate (November 2026). Orange County's median home value is $390,100; at that price the payment is $2,539 a month, so the property would need $2,550 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) | $1,959 / $2,445 / $2,856 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $390,100 |
| Median property taxes and effective rate | $2,967 (0.76% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,539 |
| Rent needed to cover that payment | $2,550 |
| Coverage of a 3-bedroom at fair market rent | 0.96 |
| Highest price a 3-bedroom at fair market rent covers | about $375,000 |
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 Orange County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Orange County?
The most active investment-property lenders in Orange County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; A&D Mortgage LLC; and Banco do Brasil Americas, out of 261 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 Orange County, and matches each file to the one most likely to fund it.
Orange County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 2,717 loans and $921.4M from 261 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Orange County with 198 loans, 7.3% of the county's total, and the average Orange County loan of $339K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 198 | $48.9M | $247K | 60.6% |
| A&D Mortgage LLC | 185 | $54.2M | $293K | 65.4% |
| Banco do Brasil Americas | 152 | $87.6M | $577K | 96.1% |
| Kiavi Funding, Inc. | 124 | $41.0M | $331K | 84.7% |
| AMWEST FUNDING CORP. | 101 | $32.5M | $322K | 72.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 93 | $35.8M | $385K | 83.9% |
| Hometown Equity Mortgage, LLC | 72 | $24.2M | $336K | 55.6% |
| CHAMPIONS FUNDING, LLC | 70 | $25.1M | $358K | 61.4% |
| HOMEXPRESS MORTGAGE CORP. | 70 | $17.4M | $248K | 47.1% |
| BRADESCO BANK | 60 | $35.3M | $588K | 100.0% |
| Rocket Mortgage, LLC | 60 | $14.9M | $249K | 53.3% |
| Citadel Servicing Corporation | 59 | $15.5M | $262K | 67.8% |
| THE LOAN STORE, INC. | 51 | $17.3M | $340K | 52.9% |
| OCMBC, INC. | 50 | $12.4M | $248K | 46.0% |
| Cornerstone First Mortgage, Inc | 47 | $17.8M | $379K | 80.9% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 38 | $9.1M | $240K | 55.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 35 | $8.7M | $250K | 11.4% |
| NEWREZ LLC | 33 | $9.2M | $279K | 90.9% |
| DEEPHAVEN MORTGAGE LLC | 33 | $7.1M | $215K | 48.5% |
| Easy Street Capital, LLC | 31 | $9.0M | $289K | 0.0% |
| 212 LOANS, LLC. | 31 | $8.3M | $268K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 30 | $13.4M | $448K | 76.7% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 30 | $9.2M | $306K | 63.3% |
| AMERICAN HERITAGE LENDING, LLC | 27 | $7.3M | $272K | 40.7% |
| Loan Funder LLC | 25 | $6.7M | $269K | 76.0% |
1,098 Florida loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Orange County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Orange County CSV, all 25 lenders
What Orange County's table can't show you: fit. Short-term financing is exempt from HMDA, so Orange County's fix-and-flip and bridge lenders barely appear among its 261 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 Orange County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Orange 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 — Orange County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 261 lenders and 2,717 loans: 2025 HMDA loan-level data rolled up to Orange County.
- Orange County investor-lender dataset (CSV) — All 25 lenders in the Orange County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Orange 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 Orlando-Kissimmee-Sanford, FL MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Orange 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.