DSCR Loans in Pinellas 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, 289 lenders made 2,391 investment-property loans in Pinellas County, 4.9% of Florida's total. Dominick Prevete arranges DSCR loans across Pinellas 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.
Pinellas County investor market at a glance
| Statistic | Pinellas County | Florida | County rank |
|---|---|---|---|
| Investor loans | 2,391 | 49,114 | 7th of 39 |
| Reporting lenders | 289 | 1,090 | 3rd of 39 |
| Loan volume | $883.7M | $18.15B | 5th of 39 |
| Average loan | $370K | $370K | 12th of 39 |
| Median loan | $295K | $265K | 9th of 39 |
| Purchases | 60.8% | 64.1% | 30th of 39 |
| Cash-out refinances | 19.9% | 20.8% | 17th of 39 |
| 2–4 unit properties | 9.6% | 7.8% | 11th of 39 |
| Top five lenders' share | 25.5% | 23.8% | 29th of 39 |
| Reported business-purpose | 83.7% | 79.8% | 5th of 39 |
Pinellas County: closed-end loans on 1–4 unit investment properties. Pinellas County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Pinellas County's investor loans.
What stands out in Pinellas County
By share of investor loans reported as business-purpose, Pinellas County ranks 5th-highest of Florida's 39 counties with published data (statewide: 79.8%).
83.7% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
The median investor loan in Pinellas County was $295K, the 9th-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.
Does a DSCR loan pencil in Pinellas County?
At HUD's fair market rent of $2,448 for a 3-bedroom in Pinellas 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). Pinellas County's median home value is $355,100; at that price the payment is $2,292 a month, so the property would need $2,300 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) | $355,100 |
| Median property taxes and effective rate | $2,474 (0.70% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,292 |
| Rent needed to cover that payment | $2,300 |
| Coverage of a 3-bedroom at fair market rent | 1.07 |
| Highest price a 3-bedroom at fair market rent covers | about $375,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $590,000 |
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 Pinellas County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Pinellas County?
The most active investment-property lenders in Pinellas County in 2025 HMDA data were Kiavi Funding, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and Easy Street Capital, LLC, out of 289 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 Pinellas County, and matches each file to the one most likely to fund it.
Pinellas County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 2,391 loans and $883.7M from 289 lenders. Kiavi Funding, Inc. led Pinellas County with 201 loans, 8.4% of the county's total, and the average Pinellas County loan of $370K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 201 | $71.7M | $357K | 81.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 181 | $54.3M | $300K | 61.3% |
| Easy Street Capital, LLC | 87 | $25.7M | $295K | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 72 | $30.7M | $427K | 75.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 68 | $26.3M | $387K | 73.5% |
| CHAMPIONS FUNDING, LLC | 65 | $26.4M | $406K | 32.3% |
| 212 LOANS, LLC. | 62 | $17.3M | $279K | 100.0% |
| THE LOAN STORE, INC. | 53 | $17.1M | $322K | 60.4% |
| HOMEXPRESS MORTGAGE CORP. | 50 | $15.6M | $312K | 32.0% |
| Rocket Mortgage, LLC | 48 | $11.8M | $247K | 52.1% |
| A&D Mortgage LLC | 46 | $11.4M | $247K | 69.6% |
| Loan Funder LLC | 43 | $19.6M | $456K | 69.8% |
| NEWREZ LLC | 43 | $17.1M | $398K | 65.1% |
| Hometown Equity Mortgage, LLC | 41 | $15.3M | $373K | 56.1% |
| CV3 FINANCIAL SERVICES, LLC | 39 | $25.8M | $661K | 69.2% |
| DOMINION FINANCIAL SERVICES, LLC | 35 | $14.3M | $408K | 31.4% |
| KIND LENDING, LLC | 34 | $10.6M | $313K | 70.6% |
| PENNYMAC LOAN SERVICES, LLC | 33 | $12.6M | $382K | 60.6% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 32 | $12.3M | $385K | 56.2% |
| AMERICAN HERITAGE LENDING, LLC | 31 | $16.5M | $533K | 54.8% |
| GUARANTEED RATE, INC. | 30 | $13.6M | $452K | 63.3% |
| AMWEST FUNDING CORP. | 30 | $9.4M | $312K | 70.0% |
| Commerce Home Mortgage, Inc. | 25 | $12.1M | $484K | 56.0% |
| DEEPHAVEN MORTGAGE LLC | 25 | $9.1M | $365K | 40.0% |
| LIMA ONE CAPITAL, LLC | 25 | $8.6M | $343K | 72.0% |
1,098 Florida loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Pinellas County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Pinellas County CSV, all 25 lenders
What Pinellas County's table can't show you: fit. Short-term financing is exempt from HMDA, so Pinellas County's fix-and-flip and bridge lenders barely appear among its 289 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 Pinellas County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Pinellas 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 — Pinellas County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 289 lenders and 2,391 loans: 2025 HMDA loan-level data rolled up to Pinellas County.
- Pinellas County investor-lender dataset (CSV) — All 25 lenders in the Pinellas County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Pinellas 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 — Pinellas 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.