DSCR Loans in Sumter County, Florida
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 124 lenders made 363 investment-property loans in Sumter County, 0.7% of Florida's total. Dominick Prevete arranges DSCR loans across Sumter 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 $245,000.
Sumter County investor market at a glance
| Statistic | Sumter County | Florida | County rank |
|---|---|---|---|
| Investor loans | 363 | 49,114 | 30th of 39 |
| Reporting lenders | 124 | 1,090 | 28th of 39 |
| Loan volume | $93.3M | $18.15B | 32nd of 39 |
| Average loan | $257K | $370K | 27th of 39 |
| Median loan | $225K | $265K | 26th of 39 |
| Purchases | 87.3% | 64.1% | 1st of 39 |
| Cash-out refinances | 6.3% | 20.8% | 39th of 39 |
| 2–4 unit properties | 1.7% | 7.8% | 38th of 39 |
| Top five lenders' share | 40.2% | 23.8% | 2nd of 39 |
| Reported business-purpose | 57.0% | 79.8% | 38th of 39 |
Sumter County: closed-end loans on 1–4 unit investment properties. Sumter County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Sumter County's investor loans.
What stands out in Sumter County
87.3% of Sumter County's investor loans were purchases, the 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.
6.3% of Sumter County's investor loans were cash-out refinances, the 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.
57.0% of Sumter County's investor loans were reported as business-purpose, the 2nd-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.
Does a DSCR loan pencil in Sumter County?
At HUD's fair market rent of $1,606 for a 3-bedroom in Sumter County, Florida, a rental covers its full DSCR payment up to a purchase price of about $245,000, with 20% down at the 7.25% starting rate (November 2026). Sumter County's median home value is $385,400; at that price the payment is $2,515 a month, so the property would need $2,525 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) | $1,324 / $1,606 / $1,904 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $385,400 |
| Median property taxes and effective rate | $3,014 (0.78% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,515 |
| Rent needed to cover that payment | $2,525 |
| Coverage of a 3-bedroom at fair market rent | 0.64 |
| Highest price a 3-bedroom at fair market rent covers | about $245,000 |
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 Sumter County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Sumter County?
The most active investment-property lenders in Sumter County in 2025 HMDA data were Citizens First Bank; Rocket Mortgage, LLC; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 124 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 Sumter County, and matches each file to the one most likely to fund it.
Sumter County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 363 loans and $93.3M from 124 lenders. Citizens First Bank led Sumter County with 76 loans, 20.9% of the county's total, and the average Sumter County loan of $257K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Citizens First Bank | 76 | $18.1M | $238K | 98.7% |
| Rocket Mortgage, LLC | 23 | $6.0M | $259K | 78.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 23 | $5.6M | $243K | 82.6% |
| UNION HOME MORTGAGE CORP. | 16 | $4.0M | $248K | 100.0% |
| United Southern Bank | 8 | $2.5M | $319K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 8 | $2.5M | $311K | 87.5% |
| Kiavi Funding, Inc. | 6 | $1.3M | $213K | 100.0% |
| ALLIANT CREDIT UNION | 5 | $1.2M | $237K | 100.0% |
| DHI MORTGAGE COMPANY, LTD. | 5 | $1.2M | $233K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | $1.1M | $219K | 60.0% |
| JPMorgan Chase Bank, National Association | 5 | $0.8M | $163K | 60.0% |
| CHAMPIONS FUNDING, LLC | 4 | $2.0M | $493K | 25.0% |
| NEXERA HOLDING LLC | 4 | $1.2M | $305K | 100.0% |
| A&D Mortgage LLC | 4 | $1.2M | $300K | 50.0% |
| U.S. Bank National Association | 4 | $1.2M | $300K | 100.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | $1.2M | $298K | 100.0% |
| Tomo Mortgage, LLC | 4 | $1.1M | $265K | 100.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | $1.0M | $253K | 100.0% |
| THE LOAN STORE, INC. | 4 | $1.0M | $250K | 75.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | $1.0M | $248K | 100.0% |
| Hometown Equity Mortgage, LLC | 4 | $1.0M | $245K | 100.0% |
| NEWREZ LLC | 4 | $0.9M | $230K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 4 | $0.8M | $198K | 100.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 4 | $0.7M | $180K | 100.0% |
| NATIONSTAR MORTGAGE LLC | 4 | $0.6M | $158K | 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 Sumter County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Sumter County CSV, all 25 lenders
What Sumter County's table can't show you: fit. Short-term financing is exempt from HMDA, so Sumter County's fix-and-flip and bridge lenders barely appear among its 124 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 Sumter County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Sumter 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 — Sumter County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 124 lenders and 363 loans: 2025 HMDA loan-level data rolled up to Sumter County.
- Sumter County investor-lender dataset (CSV) — All 25 lenders in the Sumter County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Sumter 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 Wildwood-The Villages, FL MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Sumter 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.