DSCR Loans in Pasco 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, 182 lenders made 1,060 investment-property loans in Pasco County, 2.2% of Florida's total. Dominick Prevete arranges DSCR loans across Pasco 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.
Pasco County investor market at a glance
| Statistic | Pasco County | Florida | County rank |
|---|---|---|---|
| Investor loans | 1,060 | 49,114 | 16th of 39 |
| Reporting lenders | 182 | 1,090 | 20th of 39 |
| Loan volume | $258.2M | $18.15B | 22nd of 39 |
| Average loan | $244K | $370K | 30th of 39 |
| Median loan | $215K | $265K | 29th of 39 |
| Purchases | 70.4% | 64.1% | 10th of 39 |
| Cash-out refinances | 15.5% | 20.8% | 30th of 39 |
| 2–4 unit properties | 2.4% | 7.8% | 37th of 39 |
| Top five lenders' share | 29.9% | 23.8% | 17th of 39 |
| Reported business-purpose | 71.5% | 79.8% | 33rd of 39 |
Pasco County: closed-end loans on 1–4 unit investment properties. Pasco County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Pasco County's investor loans.
What stands out in Pasco County
2.4% of Pasco County's investor loans financed a 2–4 unit property, the 3rd-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.
71.5% of Pasco County's investor loans were reported as business-purpose, the 7th-lowest share of Florida's 39 counties with published data (statewide: 79.8%).
Fewer investor loans here were reported as business-purpose than in most of Florida. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
The median investor loan in Pasco County was $215K, the 9th-lowest median of Florida's 39 counties with published data (statewide: $265K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Pasco County?
At HUD's fair market rent of $2,448 for a 3-bedroom in Pasco 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). Pasco County's median home value is $300,900; at that price the payment is $1,951 a month, so the property would need $1,975 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) | $1,917 / $2,448 / $2,977 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $300,900 |
| Median property taxes and effective rate | $2,206 (0.73% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,951 |
| Rent needed to cover that payment | $1,975 |
| Coverage of a 3-bedroom at fair market rent | 1.25 |
| 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 Pasco County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Pasco County?
The most active investment-property lenders in Pasco County in 2025 HMDA data were LENNAR MORTGAGE, LLC; UNITED SHORE FINANCIAL SERVICES, LLC; and Easy Street Capital, LLC, out of 182 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 Pasco County, and matches each file to the one most likely to fund it.
Pasco County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,060 loans and $258.2M from 182 lenders. LENNAR MORTGAGE, LLC led Pasco County with 98 loans, 9.2% of the county's total, and the average Pasco County loan of $244K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| LENNAR MORTGAGE, LLC | 98 | $23.0M | $235K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 81 | $18.6M | $230K | 64.2% |
| Easy Street Capital, LLC | 52 | $9.9M | $191K | 0.0% |
| Kiavi Funding, Inc. | 44 | $9.9M | $225K | 88.6% |
| Rocket Mortgage, LLC | 42 | $10.1M | $240K | 52.4% |
| DHI MORTGAGE COMPANY, LTD. | 41 | $9.7M | $235K | 100.0% |
| A&D Mortgage LLC | 32 | $8.3M | $260K | 71.9% |
| HOMEXPRESS MORTGAGE CORP. | 25 | $6.3M | $253K | 48.0% |
| 212 LOANS, LLC. | 25 | $5.6M | $224K | 100.0% |
| CHAMPIONS FUNDING, LLC | 25 | $5.2M | $210K | 48.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 24 | $5.1M | $213K | 62.5% |
| THE LOAN STORE, INC. | 23 | $5.2M | $226K | 65.2% |
| Commerce Home Mortgage, Inc. | 22 | $5.6M | $256K | 90.9% |
| NEWREZ LLC | 21 | $5.1M | $242K | 76.2% |
| AMERICAN HERITAGE LENDING, LLC | 16 | $4.9M | $307K | 37.5% |
| AMWEST FUNDING CORP. | 16 | $3.7M | $233K | 68.8% |
| GUARANTEED RATE, INC. | 15 | $3.5M | $232K | 73.3% |
| Taylor Morrison Home Funding, Inc. | 12 | $4.4M | $368K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 12 | $3.1M | $263K | 83.3% |
| Hometown Equity Mortgage, LLC | 12 | $3.1M | $258K | 83.3% |
| CV3 FINANCIAL SERVICES, LLC | 12 | $2.4M | $198K | 83.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 11 | $2.9M | $267K | 54.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 11 | $2.5M | $229K | 27.3% |
| Loan Funder LLC | 10 | $2.1M | $208K | 80.0% |
| CMG MORTGAGE, INC. | 9 | $2.7M | $299K | 44.4% |
1,098 Florida loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Pasco County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Pasco County CSV, all 25 lenders
What Pasco County's table can't show you: fit. Short-term financing is exempt from HMDA, so Pasco County's fix-and-flip and bridge lenders barely appear among its 182 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 Pasco County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Pasco 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 — Pasco County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 182 lenders and 1,060 loans: 2025 HMDA loan-level data rolled up to Pasco County.
- Pasco County investor-lender dataset (CSV) — All 25 lenders in the Pasco County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Pasco 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 Tampa-St. Petersburg-Clearwater, FL MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Pasco 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.