DSCR Loans in Santa Rosa 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, 113 lenders made 285 investment-property loans in Santa Rosa County, 0.6% of Florida's total. Dominick Prevete arranges DSCR loans across Santa Rosa 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 $320,000.
Santa Rosa County investor market at a glance
| Statistic | Santa Rosa County | Florida | County rank |
|---|---|---|---|
| Investor loans | 285 | 49,114 | 35th of 39 |
| Reporting lenders | 113 | 1,090 | 30th of 39 |
| Loan volume | $94.5M | $18.15B | 31st of 39 |
| Average loan | $332K | $370K | 17th of 39 |
| Median loan | $235K | $265K | 23rd of 39 |
| Purchases | 63.9% | 64.1% | 24th of 39 |
| Cash-out refinances | 19.6% | 20.8% | 19th of 39 |
| 2–4 unit properties | 8.1% | 7.8% | 18th of 39 |
| Top five lenders' share | 20.7% | 23.8% | 37th of 39 |
| Reported business-purpose | 75.1% | 79.8% | 27th of 39 |
Santa Rosa County: closed-end loans on 1–4 unit investment properties. Santa Rosa County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Santa Rosa County's investor loans.
What stands out in Santa Rosa County
The five most active lenders wrote 20.7% of Santa Rosa County's investor loans, the 3rd-lowest share of Florida's 39 counties with published data (statewide: 23.8%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
Santa Rosa County's 285 investor loans ranked 35th of Florida's 39 counties with published data.
Does a DSCR loan pencil in Santa Rosa County?
At HUD's fair market rent of $2,034 for a 3-bedroom in Santa Rosa County, Florida, a rental covers its full DSCR payment up to a purchase price of about $320,000, with 20% down at the 7.25% starting rate (November 2026). Santa Rosa County's median home value is $329,800; at that price the payment is $2,095 a month, so the property would need $2,100 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,548 / $2,034 / $2,435 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $329,800 |
| Median property taxes and effective rate | $1,891 (0.57% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,095 |
| Rent needed to cover that payment | $2,100 |
| Coverage of a 3-bedroom at fair market rent | 0.97 |
| Highest price a 3-bedroom at fair market rent covers | about $320,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $485,000 |
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 Santa Rosa County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Santa Rosa County?
The most active investment-property lenders in Santa Rosa County in 2025 HMDA data were Kiavi Funding, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and Rocket Mortgage, LLC, out of 113 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 Santa Rosa County, and matches each file to the one most likely to fund it.
Santa Rosa County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 285 loans and $94.5M from 113 lenders. Kiavi Funding, Inc. led Santa Rosa County with 19 loans, 6.7% of the county's total, and the average Santa Rosa County loan of $332K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 19 | $4.5M | $236K | 89.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 17 | $4.6M | $272K | 52.9% |
| Rocket Mortgage, LLC | 8 | $2.1M | $264K | 37.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 8 | $1.9M | $236K | 87.5% |
| MOVEMENT MORTGAGE, LLC | 7 | $3.1M | $441K | 42.9% |
| HOMEXPRESS MORTGAGE CORP. | 7 | $2.1M | $294K | 71.4% |
| CHAMPIONS FUNDING, LLC | 6 | $2.4M | $398K | 33.3% |
| University Bank | 6 | $1.6M | $275K | 100.0% |
| LENNAR MORTGAGE, LLC | 6 | $1.2M | $203K | 100.0% |
| Renasant Bank | 6 | $0.8M | $137K | 16.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 5 | $1.4M | $287K | 100.0% |
| THE LOAN STORE, INC. | 5 | $1.2M | $247K | 80.0% |
| GUARANTEED RATE, INC. | 5 | $1.1M | $229K | 60.0% |
| Citadel Servicing Corporation | 4 | $3.5M | $868K | 25.0% |
| SUMMIT FUNDING, INC. | 4 | $1.2M | $310K | 75.0% |
| Loandepot.Com, LLC | 4 | $1.1M | $263K | 0.0% |
| GUILD MORTGAGE COMPANY | 4 | $1.0M | $248K | 75.0% |
| LIMA ONE CAPITAL, LLC | 4 | $0.9M | $228K | 0.0% |
| NFM, INC. | 4 | $0.9M | $223K | 75.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | $0.9M | $215K | 25.0% |
| DHI MORTGAGE COMPANY, LTD. | 4 | $0.7M | $180K | 100.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 4 | $0.4M | $105K | 100.0% |
| Synovus Bank | 4 | $0.3M | $85K | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | $1.9M | $618K | 100.0% |
| A&D Mortgage LLC | 3 | $1.7M | $572K | 33.3% |
1,098 Florida loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Santa Rosa County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Santa Rosa County CSV, all 25 lenders
What Santa Rosa County's table can't show you: fit. Short-term financing is exempt from HMDA, so Santa Rosa County's fix-and-flip and bridge lenders barely appear among its 113 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 Santa Rosa County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Santa Rosa 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 — Santa Rosa County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 113 lenders and 285 loans: 2025 HMDA loan-level data rolled up to Santa Rosa County.
- Santa Rosa County investor-lender dataset (CSV) — All 25 lenders in the Santa Rosa County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Santa Rosa 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 Pensacola-Ferry Pass-Brent, FL MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Santa Rosa 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.