DSCR Loans in Osceola County, Florida
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 227 lenders made 1,971 investment-property loans in Osceola County, 4.0% of Florida's total. Dominick Prevete arranges DSCR loans across Osceola 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.
Osceola County investor market at a glance
| Statistic | Osceola County | Florida | County rank |
|---|---|---|---|
| Investor loans | 1,971 | 49,114 | 10th of 39 |
| Reporting lenders | 227 | 1,090 | 10th of 39 |
| Loan volume | $630.0M | $18.15B | 8th of 39 |
| Average loan | $320K | $370K | 19th of 39 |
| Median loan | $275K | $265K | 13th of 39 |
| Purchases | 80.7% | 64.1% | 3rd of 39 |
| Cash-out refinances | 11.9% | 20.8% | 33rd of 39 |
| 2–4 unit properties | 1.6% | 7.8% | 39th of 39 |
| Top five lenders' share | 32.8% | 23.8% | 8th of 39 |
| Reported business-purpose | 83.4% | 79.8% | 7th of 39 |
Osceola County: closed-end loans on 1–4 unit investment properties. Osceola County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Osceola County's investor loans.
What stands out in Osceola County
1.6% of Osceola County's investor loans financed a 2–4 unit property, the 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.
80.7% of Osceola County's investor loans were purchases, the 3rd-highest share of Florida's 39 counties with published data (statewide: 64.1%).
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.
11.9% of Osceola County's investor loans were cash-out refinances, the 7th-lowest share of Florida's 39 counties with published data (statewide: 20.8%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
Does a DSCR loan pencil in Osceola County?
At HUD's fair market rent of $2,445 for a 3-bedroom in Osceola 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). Osceola County's median home value is $353,300; at that price the payment is $2,300 a month, so the property would need $2,325 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) | $1,959 / $2,445 / $2,856 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $353,300 |
| Median property taxes and effective rate | $2,700 (0.76% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,300 |
| Rent needed to cover that payment | $2,325 |
| Coverage of a 3-bedroom at fair market rent | 1.06 |
| 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 Osceola County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Osceola County?
The most active investment-property lenders in Osceola County in 2025 HMDA data were A&D Mortgage LLC; Banco do Brasil Americas; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 227 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 Osceola County, and matches each file to the one most likely to fund it.
Osceola County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,971 loans and $630.0M from 227 lenders. A&D Mortgage LLC led Osceola County with 192 loans, 9.7% of the county's total, and the average Osceola County loan of $320K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| A&D Mortgage LLC | 192 | $53.0M | $276K | 80.2% |
| Banco do Brasil Americas | 126 | $47.1M | $374K | 98.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 123 | $39.8M | $324K | 78.0% |
| AMWEST FUNDING CORP. | 103 | $28.0M | $272K | 72.8% |
| Cornerstone First Mortgage, Inc | 102 | $28.6M | $281K | 97.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 96 | $27.2M | $283K | 93.8% |
| Hometown Equity Mortgage, LLC | 73 | $24.2M | $332K | 82.2% |
| CHAMPIONS FUNDING, LLC | 66 | $23.7M | $359K | 69.7% |
| HOMEXPRESS MORTGAGE CORP. | 47 | $12.7M | $270K | 74.5% |
| DEEPHAVEN MORTGAGE LLC | 39 | $16.9M | $433K | 66.7% |
| Reliable Holdings Manager dba Lendz Financial | 38 | $10.8M | $283K | 84.2% |
| BRADESCO BANK | 36 | $15.6M | $433K | 97.2% |
| Citadel Servicing Corporation | 33 | $13.7M | $416K | 72.7% |
| LENNAR MORTGAGE, LLC | 31 | $8.1M | $262K | 100.0% |
| NEWREZ LLC | 27 | $7.8M | $289K | 77.8% |
| OCMBC, INC. | 27 | $7.1M | $262K | 70.4% |
| Rocket Mortgage, LLC | 26 | $8.0M | $306K | 61.5% |
| Kiavi Funding, Inc. | 24 | $5.9M | $245K | 91.7% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 21 | $5.2M | $247K | 81.0% |
| Commerce Home Mortgage, Inc. | 20 | $7.1M | $355K | 90.0% |
| THE LOAN STORE, INC. | 20 | $6.2M | $308K | 90.0% |
| Broker Solutions, Inc. | 18 | $4.7M | $263K | 94.4% |
| Paramount Residential Mortgage Group, Inc. | 18 | $4.6M | $256K | 83.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 18 | $4.1M | $226K | 11.1% |
| CLEAREDGE LENDING LLC | 17 | $5.8M | $342K | 82.4% |
1,098 Florida loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Osceola County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Osceola County CSV, all 25 lenders
What Osceola County's table can't show you: fit. Short-term financing is exempt from HMDA, so Osceola County's fix-and-flip and bridge lenders barely appear among its 227 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 Osceola County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Osceola 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 — Osceola County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 227 lenders and 1,971 loans: 2025 HMDA loan-level data rolled up to Osceola County.
- Osceola County investor-lender dataset (CSV) — All 25 lenders in the Osceola County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Osceola 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 — Osceola 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.