DSCR Loans in Sarasota County, Florida
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 242 lenders made 1,276 investment-property loans in Sarasota County, 2.6% of Florida's total. Dominick Prevete arranges DSCR loans across Sarasota 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 $425,000.
Sarasota County investor market at a glance
| Statistic | Sarasota County | Florida | County rank |
|---|---|---|---|
| Investor loans | 1,276 | 49,114 | 11th of 39 |
| Reporting lenders | 242 | 1,090 | 9th of 39 |
| Loan volume | $463.8M | $18.15B | 13th of 39 |
| Average loan | $363K | $370K | 13th of 39 |
| Median loan | $275K | $265K | 13th of 39 |
| Purchases | 67.7% | 64.1% | 17th of 39 |
| Cash-out refinances | 16.1% | 20.8% | 27th of 39 |
| 2–4 unit properties | 4.2% | 7.8% | 30th of 39 |
| Top five lenders' share | 21.6% | 23.8% | 36th of 39 |
| Reported business-purpose | 75.4% | 79.8% | 26th of 39 |
Sarasota County: closed-end loans on 1–4 unit investment properties. Sarasota County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Sarasota County's investor loans.
What stands out in Sarasota County
The five most active lenders wrote 21.6% of Sarasota County's investor loans, the 4th-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.
Sarasota County's 1,276 investor loans ranked 11th of Florida's 39 counties with published data.
Does a DSCR loan pencil in Sarasota County?
At HUD's fair market rent of $2,775 for a 3-bedroom in Sarasota County, Florida, a rental covers its full DSCR payment up to a purchase price of about $425,000, with 20% down at the 7.25% starting rate (November 2026). Sarasota County's median home value is $411,800; at that price the payment is $2,678 a month, so the property would need $2,700 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) | $2,188 / $2,775 / $3,309 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $411,800 |
| Median property taxes and effective rate | $3,106 (0.75% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,678 |
| Rent needed to cover that payment | $2,700 |
| Coverage of a 3-bedroom at fair market rent | 1.04 |
| Highest price a 3-bedroom at fair market rent covers | about $425,000 |
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 Sarasota County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Sarasota County?
The most active investment-property lenders in Sarasota County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Kiavi Funding, Inc.; and CHAMPIONS FUNDING, LLC, out of 242 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 Sarasota County, and matches each file to the one most likely to fund it.
Sarasota County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,276 loans and $463.8M from 242 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Sarasota County with 81 loans, 6.3% of the county's total, and the average Sarasota County loan of $363K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 81 | $25.2M | $311K | 56.8% |
| Kiavi Funding, Inc. | 80 | $21.4M | $268K | 85.0% |
| CHAMPIONS FUNDING, LLC | 44 | $16.5M | $375K | 43.2% |
| Rocket Mortgage, LLC | 36 | $9.3M | $259K | 52.8% |
| LENNAR MORTGAGE, LLC | 35 | $8.0M | $229K | 100.0% |
| NEWREZ LLC | 34 | $11.5M | $338K | 58.8% |
| A&D Mortgage LLC | 32 | $9.0M | $283K | 65.6% |
| THE LOAN STORE, INC. | 27 | $10.8M | $400K | 81.5% |
| DOMINION FINANCIAL SERVICES, LLC | 27 | $7.2M | $268K | 59.3% |
| Taylor Morrison Home Funding, Inc. | 26 | $8.2M | $314K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 23 | $5.4M | $233K | 52.2% |
| PENNYMAC LOAN SERVICES, LLC | 21 | $7.4M | $352K | 76.2% |
| HOMEXPRESS MORTGAGE CORP. | 21 | $5.6M | $268K | 42.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 20 | $9.7M | $484K | 95.0% |
| Hometown Equity Mortgage, LLC | 20 | $8.8M | $441K | 60.0% |
| AMERICAN HERITAGE LENDING, LLC | 20 | $6.7M | $333K | 20.0% |
| Easy Street Capital, LLC | 20 | $5.4M | $269K | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 20 | $3.6M | $179K | 100.0% |
| AMWEST FUNDING CORP. | 19 | $5.7M | $302K | 73.7% |
| CV3 FINANCIAL SERVICES, LLC | 18 | $10.4M | $579K | 55.6% |
| GUARANTEED RATE AFFINITY, LLC | 18 | $6.4M | $358K | 88.9% |
| Citadel Servicing Corporation | 18 | $5.7M | $315K | 66.7% |
| THE MORTGAGE FIRM, INC. | 16 | $5.0M | $310K | 68.8% |
| Commerce Home Mortgage, Inc. | 15 | $8.0M | $535K | 86.7% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 14 | $4.8M | $344K | 57.1% |
1,098 Florida loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Sarasota County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Sarasota County CSV, all 25 lenders
What Sarasota County's table can't show you: fit. Short-term financing is exempt from HMDA, so Sarasota County's fix-and-flip and bridge lenders barely appear among its 242 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 Sarasota County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Sarasota 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 — Sarasota County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 242 lenders and 1,276 loans: 2025 HMDA loan-level data rolled up to Sarasota County.
- Sarasota County investor-lender dataset (CSV) — All 25 lenders in the Sarasota County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Sarasota 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 North Port-Bradenton-Sarasota, FL MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Sarasota 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.