DSCR Loans in Polk County, Florida
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 226 lenders made 1,973 investment-property loans in Polk County, 4.0% of Florida's total. Dominick Prevete arranges DSCR loans across Polk 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 $340,000.
Polk County investor market at a glance
| Statistic | Polk County | Florida | County rank |
|---|---|---|---|
| Investor loans | 1,973 | 49,114 | 9th of 39 |
| Reporting lenders | 226 | 1,090 | 11th of 39 |
| Loan volume | $474.0M | $18.15B | 12th of 39 |
| Average loan | $240K | $370K | 31st of 39 |
| Median loan | $215K | $265K | 29th of 39 |
| Purchases | 73.5% | 64.1% | 6th of 39 |
| Cash-out refinances | 15.7% | 20.8% | 28th of 39 |
| 2–4 unit properties | 8.3% | 7.8% | 16th of 39 |
| Top five lenders' share | 26.3% | 23.8% | 27th of 39 |
| Reported business-purpose | 78.4% | 79.8% | 17th of 39 |
Polk County: closed-end loans on 1–4 unit investment properties. Polk County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Polk County's investor loans.
What stands out in Polk County
73.5% of Polk County's investor loans were purchases, the 6th-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.
The average investor loan in Polk County was $240K, the 9th-lowest average of Florida's 39 counties with published data (statewide: $370K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Polk County?
At HUD's fair market rent of $2,212 for a 3-bedroom in Polk County, Florida, a rental covers its full DSCR payment up to a purchase price of about $340,000, with 20% down at the 7.25% starting rate (November 2026). Polk County's median home value is $266,500; at that price the payment is $1,727 a month, so the property would need $1,750 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) | $1,608 / $2,212 / $2,688 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $266,500 |
| Median property taxes and effective rate | $1,933 (0.73% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,727 |
| Rent needed to cover that payment | $1,750 |
| Coverage of a 3-bedroom at fair market rent | 1.28 |
| Highest price a 3-bedroom at fair market rent covers | about $340,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $495,000 |
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 Polk County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Polk County?
The most active investment-property lenders in Polk County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; A&D Mortgage LLC; and Kiavi Funding, Inc., out of 226 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 Polk County, and matches each file to the one most likely to fund it.
Polk County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,973 loans and $474.0M from 226 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Polk County with 132 loans, 6.7% of the county's total, and the average Polk County loan of $240K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 132 | $34.8M | $263K | 73.5% |
| A&D Mortgage LLC | 119 | $27.0M | $227K | 80.7% |
| Kiavi Funding, Inc. | 117 | $23.9M | $204K | 74.4% |
| AMWEST FUNDING CORP. | 80 | $17.1M | $214K | 83.8% |
| CHAMPIONS FUNDING, LLC | 70 | $17.5M | $251K | 65.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 69 | $16.9M | $245K | 84.1% |
| LENNAR MORTGAGE, LLC | 61 | $14.7M | $240K | 100.0% |
| Cornerstone First Mortgage, Inc | 52 | $11.1M | $213K | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 49 | $13.6M | $277K | 65.3% |
| Hometown Equity Mortgage, LLC | 45 | $13.7M | $305K | 75.6% |
| OCMBC, INC. | 41 | $8.3M | $204K | 51.2% |
| DEEPHAVEN MORTGAGE LLC | 39 | $8.8M | $227K | 56.4% |
| Banco do Brasil Americas | 31 | $9.9M | $319K | 100.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 31 | $7.3M | $237K | 83.9% |
| Rocket Mortgage, LLC | 29 | $5.6M | $193K | 69.0% |
| Citadel Servicing Corporation | 28 | $12.6M | $449K | 64.3% |
| MIDFLORIDA | 28 | $4.3M | $154K | 60.7% |
| THE LOAN STORE, INC. | 26 | $7.6M | $292K | 84.6% |
| Reliable Holdings Manager dba Lendz Financial | 24 | $8.1M | $337K | 83.3% |
| NEWREZ LLC | 23 | $5.1M | $220K | 73.9% |
| RMC HOME MORTGAGE, LLC | 21 | $4.7M | $224K | 100.0% |
| Easy Street Capital, LLC | 21 | $3.7M | $176K | 0.0% |
| CV3 FINANCIAL SERVICES, LLC | 19 | $9.6M | $507K | 94.7% |
| Commerce Home Mortgage, Inc. | 19 | $4.4M | $230K | 78.9% |
| Paramount Residential Mortgage Group, Inc. | 16 | $3.3M | $203K | 62.5% |
1,098 Florida loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Polk County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Polk County CSV, all 25 lenders
What Polk County's table can't show you: fit. Short-term financing is exempt from HMDA, so Polk County's fix-and-flip and bridge lenders barely appear among its 226 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 Polk County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Polk 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 — Polk County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 226 lenders and 1,973 loans: 2025 HMDA loan-level data rolled up to Polk County.
- Polk County investor-lender dataset (CSV) — All 25 lenders in the Polk County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Polk 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 Lakeland-Winter Haven, FL MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Polk 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.