DSCR Loans in Palm Beach 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, 308 lenders made 2,797 investment-property loans in Palm Beach County, 5.7% of Florida's total. Dominick Prevete arranges DSCR loans across Palm Beach 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 $460,000.
Palm Beach County investor market at a glance
| Statistic | Palm Beach County | Florida | County rank |
|---|---|---|---|
| Investor loans | 2,797 | 49,114 | 3rd of 39 |
| Reporting lenders | 308 | 1,090 | 2nd of 39 |
| Loan volume | $1.38B | $18.15B | 3rd of 39 |
| Average loan | $492K | $370K | 6th of 39 |
| Median loan | $335K | $265K | 5th of 39 |
| Purchases | 60.6% | 64.1% | 32nd of 39 |
| Cash-out refinances | 26.9% | 20.8% | 4th of 39 |
| 2–4 unit properties | 8.8% | 7.8% | 13th of 39 |
| Top five lenders' share | 28.0% | 23.8% | 23rd of 39 |
| Reported business-purpose | 82.6% | 79.8% | 8th of 39 |
Palm Beach County: closed-end loans on 1–4 unit investment properties. Palm Beach County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Palm Beach County's investor loans.
What stands out in Palm Beach County
26.9% of Palm Beach County's investor loans were cash-out refinances, the 4th-highest share of Florida's 39 counties with published data (statewide: 20.8%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
The median investor loan in Palm Beach 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.
60.6% of Palm Beach County's investor loans were purchases, the 8th-lowest share of Florida's 39 counties with published data (statewide: 64.1%).
Refinances are a larger share here than in most of Florida. A DSCR refinance qualifies on the property's current rent.
Does a DSCR loan pencil in Palm Beach County?
At HUD's fair market rent of $3,052 for a 3-bedroom in Palm Beach County, Florida, a rental covers its full DSCR payment up to a purchase price of about $460,000, with 20% down at the 7.25% starting rate (November 2026). Palm Beach County's median home value is $447,300; at that price the payment is $2,949 a month, so the property would need $2,950 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) | $2,349 / $3,052 / $3,523 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $447,300 |
| Median property taxes and effective rate | $3,858 (0.86% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,949 |
| Rent needed to cover that payment | $2,950 |
| Coverage of a 3-bedroom at fair market rent | 1.03 |
| Highest price a 3-bedroom at fair market rent covers | about $460,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $710,000 |
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 Palm Beach County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Palm Beach County?
The most active investment-property lenders in Palm Beach County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; A&D Mortgage LLC; and CROSSCOUNTRY MORTGAGE, INC., out of 308 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 Palm Beach County, and matches each file to the one most likely to fund it.
Palm Beach County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 2,797 loans and $1.38B from 308 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Palm Beach County with 265 loans, 9.5% of the county's total, and the average Palm Beach County loan of $492K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 265 | $90.2M | $340K | 56.6% |
| A&D Mortgage LLC | 171 | $60.0M | $351K | 62.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 169 | $69.4M | $410K | 77.5% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 93 | $35.2M | $379K | 72.0% |
| Kiavi Funding, Inc. | 85 | $38.7M | $456K | 77.6% |
| HOMEXPRESS MORTGAGE CORP. | 83 | $31.3M | $377K | 41.0% |
| CHAMPIONS FUNDING, LLC | 81 | $35.3M | $435K | 49.4% |
| Hometown Equity Mortgage, LLC | 80 | $36.8M | $460K | 48.8% |
| Citadel Servicing Corporation | 72 | $25.0M | $347K | 54.2% |
| Rocket Mortgage, LLC | 55 | $18.4M | $335K | 60.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 53 | $23.4M | $442K | 77.4% |
| DEEPHAVEN MORTGAGE LLC | 50 | $14.1M | $283K | 34.0% |
| THE LOAN STORE, INC. | 44 | $19.0M | $432K | 59.1% |
| NEWREZ LLC | 41 | $16.3M | $398K | 63.4% |
| OCMBC, INC. | 40 | $13.7M | $344K | 37.5% |
| CLEAREDGE LENDING LLC | 37 | $23.1M | $625K | 75.7% |
| PENNYMAC LOAN SERVICES, LLC | 33 | $14.7M | $444K | 72.7% |
| AMWEST FUNDING CORP. | 33 | $10.6M | $320K | 54.5% |
| LENDINGONE, LLC | 31 | $16.4M | $530K | 35.5% |
| Paramount Residential Mortgage Group, Inc. | 31 | $10.3M | $332K | 51.6% |
| Loan Funder LLC | 30 | $20.2M | $672K | 90.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 30 | $18.2M | $606K | 30.0% |
| Commerce Home Mortgage, Inc. | 29 | $13.7M | $473K | 75.9% |
| KIND LENDING, LLC | 29 | $12.0M | $413K | 51.7% |
| Easy Street Capital, LLC | 28 | $12.6M | $448K | 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 Palm Beach County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Palm Beach County CSV, all 25 lenders
What Palm Beach County's table can't show you: fit. Short-term financing is exempt from HMDA, so Palm Beach County's fix-and-flip and bridge lenders barely appear among its 308 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.
What Palm Beach County deals has Dominick Prevete closed?
The proof is a closing, not a promise.
- $644,700West Palm Beach, FL
Single-family · DSCR cash-out refinance · closed March 2026
- $420,000West Palm Beach, FL
Single-family · DSCR cash-out refinance · closed March 2026
- $750,000West Palm Beach, FL
Single-family · DSCR cash-out refinance · closed January 2026
- $672,000West Palm Beach, FL
Single-family · DSCR cash-out refinance · closed September 2025
- $840,000West Palm Beach, FL
Single-family · DSCR cash-out refinance · closed August 2025
- $975,000West Palm Beach, FL
Single-family short-term rental · DSCR · closed June 2025
- $665,000West Palm Beach, FL
Single-family · DSCR cash-out refinance · closed June 2025
These are closings Dominick Prevete arranged personally, 7 of the 35 on his closed transactions record, which lists each one's leverage, coverage and rate at closing.
Towns in Palm Beach County with their own page
Run the coverage test on your Palm Beach County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Palm Beach 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 — Palm Beach County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 308 lenders and 2,797 loans: 2025 HMDA loan-level data rolled up to Palm Beach County.
- Palm Beach County investor-lender dataset (CSV) — All 25 lenders in the Palm Beach County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Palm Beach 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 West Palm Beach-Boca Raton, FL HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Palm Beach 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.