DSCR Loans in Walton County, Florida
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 246 lenders made 702 investment-property loans in Walton County, 1.4% of Florida's total. Dominick Prevete arranges DSCR loans across Walton 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 $325,000.
Walton County investor market at a glance
| Statistic | Walton County | Florida | County rank |
|---|---|---|---|
| Investor loans | 702 | 49,114 | 24th of 39 |
| Reporting lenders | 246 | 1,090 | 8th of 39 |
| Loan volume | $598.6M | $18.15B | 9th of 39 |
| Average loan | $853K | $370K | 1st of 39 |
| Median loan | $555K | $265K | 2nd of 39 |
| Purchases | 70.2% | 64.1% | 11th of 39 |
| Cash-out refinances | 11.4% | 20.8% | 34th of 39 |
| 2–4 unit properties | 3.7% | 7.8% | 35th of 39 |
| Top five lenders' share | 20.1% | 23.8% | 38th of 39 |
| Reported business-purpose | 72.4% | 79.8% | 30th of 39 |
Walton County: closed-end loans on 1–4 unit investment properties. Walton County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Walton County's investor loans.
What stands out in Walton County
The average investor loan in Walton County was $853K, the highest average of Florida's 39 counties with published data (statewide: $370K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
The five most active lenders wrote 20.1% of Walton County's investor loans, the 2nd-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.
3.7% of Walton County's investor loans financed a 2–4 unit property, the 5th-lowest share of Florida's 39 counties with published data (statewide: 7.8%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Does a DSCR loan pencil in Walton County?
At HUD's fair market rent of $2,041 for a 3-bedroom in Walton County, Florida, a rental covers its full DSCR payment up to a purchase price of about $325,000, with 20% down at the 7.25% starting rate (November 2026). Walton County's median home value is $425,100; at that price the payment is $2,656 a month, so the property would need $2,675 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) | $1,474 / $2,041 / $2,464 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $425,100 |
| Median property taxes and effective rate | $1,902 (0.45% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,656 |
| Rent needed to cover that payment | $2,675 |
| Coverage of a 3-bedroom at fair market rent | 0.77 |
| Highest price a 3-bedroom at fair market rent covers | about $325,000 |
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 Walton County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Walton County?
The most active investment-property lenders in Walton County in 2025 HMDA data were CROSSCOUNTRY MORTGAGE, INC.; UNITED SHORE FINANCIAL SERVICES, LLC; and Fairway Independent Mortgage Corporation, out of 246 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 Walton County, and matches each file to the one most likely to fund it.
Walton County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 702 loans and $598.6M from 246 lenders. CROSSCOUNTRY MORTGAGE, INC. led Walton County with 54 loans, 7.7% of the county's total, and the average Walton County loan of $853K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| CROSSCOUNTRY MORTGAGE, INC. | 54 | $40.4M | $748K | 94.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 35 | $18.9M | $540K | 65.7% |
| Fairway Independent Mortgage Corporation | 19 | $14.9M | $786K | 100.0% |
| Community Bank of Mississippi | 18 | $11.2M | $622K | 72.2% |
| DEEPHAVEN MORTGAGE LLC | 15 | $6.7M | $448K | 13.3% |
| Rocket Mortgage, LLC | 12 | $9.8M | $814K | 66.7% |
| Northpointe Bank | 12 | $5.8M | $487K | 100.0% |
| CHAMPIONS FUNDING, LLC | 11 | $13.1M | $1188K | 54.5% |
| Renasant Bank | 11 | $7.9M | $719K | 45.5% |
| HOMEXPRESS MORTGAGE CORP. | 11 | $6.8M | $619K | 54.5% |
| SouthState Bank, National Association | 10 | $7.4M | $744K | 90.0% |
| LENDSURE MORTGAGE CORP. | 10 | $6.9M | $690K | 70.0% |
| NEWREZ LLC | 10 | $4.9M | $486K | 90.0% |
| Kiavi Funding, Inc. | 9 | $17.1M | $1897K | 55.6% |
| THE LOAN STORE, INC. | 9 | $9.3M | $1029K | 55.6% |
| Hometown Equity Mortgage, LLC | 9 | $4.5M | $497K | 88.9% |
| Citadel Servicing Corporation | 8 | $7.0M | $869K | 50.0% |
| A&D Mortgage LLC | 8 | $2.5M | $309K | 87.5% |
| LIMA ONE CAPITAL, LLC | 7 | $14.8M | $2114K | 42.9% |
| Archwest Funding | 7 | $10.2M | $1455K | 28.6% |
| MOVEMENT MORTGAGE, LLC | 7 | $7.3M | $1039K | 100.0% |
| Cadence Bank | 7 | $4.4M | $629K | 71.4% |
| PENNYMAC LOAN SERVICES, LLC | 7 | $3.6M | $512K | 71.4% |
| T2 FINANCIAL LLC | 7 | $2.7M | $388K | 85.7% |
| PNB Community Bank | 7 | $2.3M | $324K | 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 Walton County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Walton County CSV, all 25 lenders
What Walton County's table can't show you: fit. Short-term financing is exempt from HMDA, so Walton County's fix-and-flip and bridge lenders barely appear among its 246 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 Walton County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Walton 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 — Walton County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 246 lenders and 702 loans: 2025 HMDA loan-level data rolled up to Walton County.
- Walton County investor-lender dataset (CSV) — All 25 lenders in the Walton County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Walton 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 Walton County, FL HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Walton 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.