DSCR Loans in Volusia County, Florida
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 206 lenders made 1,067 investment-property loans in Volusia County, 2.2% of Florida's total. Dominick Prevete arranges DSCR loans across Volusia 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 $335,000.
Volusia County investor market at a glance
| Statistic | Volusia County | Florida | County rank |
|---|---|---|---|
| Investor loans | 1,067 | 49,114 | 15th of 39 |
| Reporting lenders | 206 | 1,090 | 15th of 39 |
| Loan volume | $266.3M | $18.15B | 19th of 39 |
| Average loan | $250K | $370K | 28th of 39 |
| Median loan | $225K | $265K | 26th of 39 |
| Purchases | 64.2% | 64.1% | 22nd of 39 |
| Cash-out refinances | 19.8% | 20.8% | 18th of 39 |
| 2–4 unit properties | 7.0% | 7.8% | 21st of 39 |
| Top five lenders' share | 28.9% | 23.8% | 19th of 39 |
| Reported business-purpose | 78.4% | 79.8% | 17th of 39 |
Volusia County: closed-end loans on 1–4 unit investment properties. Volusia County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Volusia County's investor loans.
What stands out in Volusia County
Volusia County's 1,067 investor loans ranked 15th of Florida's 39 counties with published data.
Does a DSCR loan pencil in Volusia County?
At HUD's fair market rent of $2,204 for a 3-bedroom in Volusia County, Florida, a rental covers its full DSCR payment up to a purchase price of about $335,000, with 20% down at the 7.25% starting rate (November 2026). Volusia County's median home value is $313,000; at that price the payment is $2,038 a month, so the property would need $2,050 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) | $1,673 / $2,204 / $2,403 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $313,000 |
| Median property taxes and effective rate | $2,395 (0.77% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,038 |
| Rent needed to cover that payment | $2,050 |
| Coverage of a 3-bedroom at fair market rent | 1.08 |
| Highest price a 3-bedroom at fair market rent covers | about $335,000 |
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 Volusia County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Volusia County?
The most active investment-property lenders in Volusia County in 2025 HMDA data were Kiavi Funding, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and CMG MORTGAGE, INC., out of 206 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 Volusia County, and matches each file to the one most likely to fund it.
Volusia County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,067 loans and $266.3M from 206 lenders. Kiavi Funding, Inc. led Volusia County with 105 loans, 9.8% of the county's total, and the average Volusia County loan of $250K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 105 | $23.2M | $221K | 79.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 85 | $17.4M | $205K | 60.0% |
| CMG MORTGAGE, INC. | 52 | $13.3M | $256K | 71.2% |
| CHAMPIONS FUNDING, LLC | 33 | $8.4M | $255K | 45.5% |
| A&D Mortgage LLC | 33 | $7.5M | $227K | 72.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 30 | $7.6M | $253K | 83.3% |
| Rocket Mortgage, LLC | 30 | $6.5M | $215K | 53.3% |
| HOMEXPRESS MORTGAGE CORP. | 28 | $7.0M | $251K | 53.6% |
| DEEPHAVEN MORTGAGE LLC | 20 | $4.8M | $240K | 40.0% |
| Citadel Servicing Corporation | 19 | $5.2M | $272K | 52.6% |
| Hometown Equity Mortgage, LLC | 19 | $4.8M | $253K | 52.6% |
| NEWREZ LLC | 16 | $3.0M | $186K | 50.0% |
| Easy Street Capital, LLC | 15 | $2.6M | $176K | 0.0% |
| LENNAR MORTGAGE, LLC | 14 | $3.8M | $270K | 100.0% |
| THE LOAN STORE, INC. | 14 | $3.7M | $263K | 64.3% |
| AMWEST FUNDING CORP. | 14 | $3.5M | $254K | 78.6% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 12 | $3.6M | $299K | 16.7% |
| FAIRWINDS CREDIT UNION | 12 | $2.5M | $206K | 25.0% |
| CV3 FINANCIAL SERVICES, LLC | 11 | $3.5M | $314K | 81.8% |
| OCMBC, INC. | 11 | $2.9M | $263K | 45.5% |
| KIND LENDING, LLC | 11 | $2.0M | $180K | 45.5% |
| Loan Funder LLC | 11 | $1.9M | $174K | 63.6% |
| LENDINGONE, LLC | 10 | $2.8M | $282K | 70.0% |
| Commerce Home Mortgage, Inc. | 10 | $2.6M | $257K | 60.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 10 | $2.6M | $257K | 70.0% |
1,098 Florida loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Volusia County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Volusia County CSV, all 25 lenders
What Volusia County's table can't show you: fit. Short-term financing is exempt from HMDA, so Volusia County's fix-and-flip and bridge lenders barely appear among its 206 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 Volusia County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Volusia 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 — Volusia County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 206 lenders and 1,067 loans: 2025 HMDA loan-level data rolled up to Volusia County.
- Volusia County investor-lender dataset (CSV) — All 25 lenders in the Volusia County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Volusia 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 Deltona-Daytona Beach-Ormond Beach, FL HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Volusia 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.