DSCR Loans in Seminole County, Florida
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 139 lenders made 635 investment-property loans in Seminole County, 1.3% of Florida's total. Dominick Prevete arranges DSCR loans across Seminole 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 $380,000.
Seminole County investor market at a glance
| Statistic | Seminole County | Florida | County rank |
|---|---|---|---|
| Investor loans | 635 | 49,114 | 25th of 39 |
| Reporting lenders | 139 | 1,090 | 26th of 39 |
| Loan volume | $170.3M | $18.15B | 27th of 39 |
| Average loan | $268K | $370K | 26th of 39 |
| Median loan | $255K | $265K | 19th of 39 |
| Purchases | 68.0% | 64.1% | 15th of 39 |
| Cash-out refinances | 17.3% | 20.8% | 26th of 39 |
| 2–4 unit properties | 4.7% | 7.8% | 27th of 39 |
| Top five lenders' share | 30.2% | 23.8% | 16th of 39 |
| Reported business-purpose | 75.6% | 79.8% | 25th of 39 |
Seminole County: closed-end loans on 1–4 unit investment properties. Seminole County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Seminole County's investor loans.
What stands out in Seminole County
Seminole County's 635 investor loans ranked 25th of Florida's 39 counties with published data.
Does a DSCR loan pencil in Seminole County?
At HUD's fair market rent of $2,445 for a 3-bedroom in Seminole County, Florida, a rental covers its full DSCR payment up to a purchase price of about $380,000, with 20% down at the 7.25% starting rate (November 2026). Seminole County's median home value is $386,900; at that price the payment is $2,489 a month, so the property would need $2,500 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) | $1,959 / $2,445 / $2,856 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $386,900 |
| Median property taxes and effective rate | $2,599 (0.67% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,489 |
| Rent needed to cover that payment | $2,500 |
| Coverage of a 3-bedroom at fair market rent | 0.98 |
| Highest price a 3-bedroom at fair market rent covers | about $380,000 |
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 Seminole County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Seminole County?
The most active investment-property lenders in Seminole County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Kiavi Funding, Inc.; and A&D Mortgage LLC, out of 139 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 Seminole County, and matches each file to the one most likely to fund it.
Seminole County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 635 loans and $170.3M from 139 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Seminole County with 64 loans, 10.1% of the county's total, and the average Seminole County loan of $268K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 64 | $14.9M | $232K | 67.2% |
| Kiavi Funding, Inc. | 50 | $16.4M | $327K | 82.0% |
| A&D Mortgage LLC | 29 | $8.9M | $307K | 69.0% |
| PULTE MORTGAGE LLC | 28 | $7.5M | $269K | 100.0% |
| AMWEST FUNDING CORP. | 21 | $5.1M | $242K | 71.4% |
| 212 LOANS, LLC. | 21 | $4.9M | $234K | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 21 | $4.9M | $233K | 57.1% |
| Rocket Mortgage, LLC | 20 | $4.5M | $224K | 60.0% |
| THE LOAN STORE, INC. | 19 | $5.1M | $268K | 73.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 18 | $5.4M | $298K | 77.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 17 | $4.3M | $253K | 82.4% |
| Easy Street Capital, LLC | 11 | $2.8M | $251K | 0.0% |
| Hometown Equity Mortgage, LLC | 10 | $2.6M | $260K | 90.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 10 | $2.5M | $250K | 70.0% |
| DEEPHAVEN MORTGAGE LLC | 10 | $2.2M | $223K | 30.0% |
| PENNYMAC LOAN SERVICES, LLC | 9 | $3.5M | $385K | 44.4% |
| CHAMPIONS FUNDING, LLC | 9 | $2.5M | $273K | 66.7% |
| Wells Fargo Bank, National Association | 9 | $2.0M | $223K | 66.7% |
| FBC MORTGAGE, LLC | 8 | $2.0M | $254K | 87.5% |
| NEXERA HOLDING LLC | 7 | $2.6M | $376K | 85.7% |
| OCMBC, INC. | 7 | $2.5M | $352K | 57.1% |
| FAIRWINDS CREDIT UNION | 7 | $1.8M | $255K | 85.7% |
| Citadel Servicing Corporation | 6 | $1.2M | $197K | 50.0% |
| NEWREZ LLC | 6 | $1.1M | $187K | 66.7% |
| GUARANTEED RATE AFFINITY, LLC | 6 | $1.0M | $163K | 83.3% |
1,098 Florida loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Seminole County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Seminole County CSV, all 25 lenders
What Seminole County's table can't show you: fit. Short-term financing is exempt from HMDA, so Seminole County's fix-and-flip and bridge lenders barely appear among its 139 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 Seminole County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Seminole 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 — Seminole County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 139 lenders and 635 loans: 2025 HMDA loan-level data rolled up to Seminole County.
- Seminole County investor-lender dataset (CSV) — All 25 lenders in the Seminole County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Seminole 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 Orlando-Kissimmee-Sanford, FL MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Seminole 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.