DSCR Loans in St. Johns County, Florida
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 175 lenders made 731 investment-property loans in St. Johns County, 1.5% of Florida's total. Dominick Prevete arranges DSCR loans across St. Johns 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 $315,000.
St. Johns County investor market at a glance
| Statistic | St. Johns County | Florida | County rank |
|---|---|---|---|
| Investor loans | 731 | 49,114 | 22nd of 39 |
| Reporting lenders | 175 | 1,090 | 21st of 39 |
| Loan volume | $273.7M | $18.15B | 18th of 39 |
| Average loan | $374K | $370K | 11th of 39 |
| Median loan | $285K | $265K | 10th of 39 |
| Purchases | 74.7% | 64.1% | 5th of 39 |
| Cash-out refinances | 10.5% | 20.8% | 37th of 39 |
| 2–4 unit properties | 3.8% | 7.8% | 32nd of 39 |
| Top five lenders' share | 27.4% | 23.8% | 25th of 39 |
| Reported business-purpose | 69.5% | 79.8% | 35th of 39 |
St. Johns County: closed-end loans on 1–4 unit investment properties. St. Johns County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of St. Johns County's investor loans.
What stands out in St. Johns County
10.5% of St. Johns County's investor loans were cash-out refinances, the 3rd-lowest share of Florida's 39 counties with published data (statewide: 20.8%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
69.5% of St. Johns County's investor loans were reported as business-purpose, the 5th-lowest share of Florida's 39 counties with published data (statewide: 79.8%).
Fewer investor loans here were reported as business-purpose than in most of Florida. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
74.7% of St. Johns County's investor loans were purchases, the 5th-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.
Does a DSCR loan pencil in St. Johns County?
At HUD's fair market rent of $2,077 for a 3-bedroom in St. Johns County, Florida, a rental covers its full DSCR payment up to a purchase price of about $315,000, with 20% down at the 7.25% starting rate (November 2026). St. Johns County's median home value is $489,200; at that price the payment is $3,184 a month, so the property would need $3,200 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) | $1,694 / $2,077 / $2,594 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $489,200 |
| Median property taxes and effective rate | $3,721 (0.76% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,184 |
| Rent needed to cover that payment | $3,200 |
| Coverage of a 3-bedroom at fair market rent | 0.65 |
| Highest price a 3-bedroom at fair market rent covers | about $315,000 |
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 St. Johns County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in St. Johns County?
The most active investment-property lenders in St. Johns County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; DHI MORTGAGE COMPANY, LTD.; and Rocket Mortgage, LLC, out of 175 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 St. Johns County, and matches each file to the one most likely to fund it.
St. Johns County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 731 loans and $273.7M from 175 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led St. Johns County with 62 loans, 8.5% of the county's total, and the average St. Johns County loan of $374K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 62 | $22.2M | $358K | 71.0% |
| DHI MORTGAGE COMPANY, LTD. | 56 | $12.0M | $214K | 100.0% |
| Rocket Mortgage, LLC | 28 | $9.3M | $332K | 50.0% |
| LENNAR MORTGAGE, LLC | 28 | $7.8M | $279K | 100.0% |
| THE LOAN STORE, INC. | 26 | $9.2M | $353K | 69.2% |
| Ameris Bank | 24 | $7.6M | $315K | 83.3% |
| BARWICK BANKING COMPANY | 18 | $12.2M | $677K | 88.9% |
| LEI:98450058D88OE4463626 | 17 | $3.7M | $215K | 0.0% |
| MOVEMENT MORTGAGE, LLC | 15 | $6.1M | $407K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 15 | $5.7M | $382K | 93.3% |
| A&D Mortgage LLC | 13 | $4.4M | $336K | 92.3% |
| DEEPHAVEN MORTGAGE LLC | 13 | $4.3M | $330K | 76.9% |
| Kiavi Funding, Inc. | 12 | $5.0M | $414K | 83.3% |
| NEWREZ LLC | 12 | $2.9M | $243K | 50.0% |
| Hometown Equity Mortgage, LLC | 11 | $8.0M | $728K | 63.6% |
| HOMEXPRESS MORTGAGE CORP. | 11 | $5.7M | $519K | 54.5% |
| JET HOMELOANS, LP | 11 | $4.4M | $400K | 90.9% |
| PENNYMAC LOAN SERVICES, LLC | 11 | $3.7M | $335K | 54.5% |
| LENDINGONE, LLC | 10 | $1.8M | $182K | 10.0% |
| LOANPEOPLE, LLC | 9 | $3.4M | $382K | 88.9% |
| CHAMPIONS FUNDING, LLC | 9 | $3.4M | $379K | 55.6% |
| Citadel Servicing Corporation | 8 | $3.9M | $483K | 62.5% |
| Commerce Home Mortgage, Inc. | 8 | $2.7M | $334K | 62.5% |
| Cornerstone First Mortgage, Inc | 7 | $2.6M | $376K | 71.4% |
| 212 LOANS, LLC. | 7 | $2.6M | $371K | 100.0% |
1,098 Florida loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for St. Johns County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · St. Johns County CSV, all 25 lenders
What St. Johns County's table can't show you: fit. Short-term financing is exempt from HMDA, so St. Johns County's fix-and-flip and bridge lenders barely appear among its 175 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 St. Johns County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a St. Johns 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 — St. Johns County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 175 lenders and 731 loans: 2025 HMDA loan-level data rolled up to St. Johns County.
- St. Johns County investor-lender dataset (CSV) — All 25 lenders in the St. Johns County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — St. Johns 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 Jacksonville, FL HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — St. Johns 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.