LGV Capital Test
OneDSCR — Header
DSCR Loans in Georgia

DSCR Loans in Georgia — Qualify on the Rent, Not Your Tax Returns.

OneDSCR finances Georgia rental property on the deal's cash flow — no personal tax returns, W-2s, or traditional DTI underwriting. Buy, refinance, or pull cash out statewide, and close in an LLC.

  • Statewide coverage. Metro Atlanta, Savannah, Augusta, Columbus, Athens, and beyond.
  • Up to 80% LTV. On purchases and rate-and-term refinances, 75% cash-out.
  • One of the deepest rental markets in the South. Atlanta is a national hub for single-family rentals.
  • Close in an LLC. Finance the way you actually hold real estate.
Speak to a DSCR Loan Specialist Learn More
Georgia DSCR Calculator
See if your property qualifies in seconds.
Instant
$
$
%
$
$
$
Estimated DSCR —
—
Your Deal at a Glance
$0Monthly Rent
—Estimated DSCR
$0Max Loan at 1.00x DSCR
$0Monthly Payment
See My Georgia Loan Options

Estimate only, based on principal, interest, taxes, insurance, and HOA. Final terms subject to underwriting.

How DSCR loans work for Georgia investors

A DSCR (Debt Service Coverage Ratio) loan qualifies a Georgia rental on the property's income versus its full monthly payment — not on your personal tax returns or employment. Divide the monthly rent by the total payment (principal, interest, taxes, insurance, and any HOA); a ratio of 1.0 means the rent exactly covers the payment, and higher ratios unlock better leverage and pricing. Georgia's deep, moderately priced rental markets — Atlanta chief among them — make it one of the most active DSCR states in the country, but county millage and Georgia's loan-level intangible tax belong in the math from the start.

Georgia investor markets we finance

We lend statewide — here are the Georgia markets investors ask about most.

Metro Atlanta
One of the nation's largest single-family-rental markets, with heavy LLC and build-to-rent activity across the suburbs.
Savannah
Port-and-logistics economy and a historic core where short-term-rental rules are set locally.
Augusta
Medical, military, and cyber employment anchor steady year-round rental demand.
Columbus
Fort Moore and a diversified employment base support a durable workforce rental market.
Athens
Major university market with consistent student-driven rental demand.
Macon & Middle Georgia
Some of the state's most accessible entry prices with a growing rental base.

What Georgia investors should know about DSCR loans

Georgia has a couple of tax rules that don't show up in most states. Three things shape how a deal underwrites.

40% assessment ratio

Georgia taxes property at 40% of fair market value, then applies county millage. Rentals don't get the homestead exemption owner-occupants receive, so underwrite taxes on your purchase price.

Intangible tax on the loan

Georgia charges an intangible recording tax on the mortgage itself — about $1.50 per $500 financed — on top of a deed transfer tax. Both belong in your closing-cost estimate.

A deep single-family-rental market

Metro Atlanta is one of the largest single-family-rental and build-to-rent markets in the country, with active entity purchasing — a well-supplied field for DSCR investors.

Georgia DSCR loan options

Purchase

Buy your next Georgia rental on cash-flow underwriting — up to 80% LTV, no income docs, close in an LLC.

Analyze My Purchase

Cash-Out Refinance

Turn equity in a Georgia rental you own — up to 75% LTV — into capital for the next deal, with no income review.

Estimate My Cash Out

Rate & Term Refi

Move into better terms or a fixed 30-year without touching your equity or verifying personal income.

Check My Savings

Georgia DSCR loan snapshot

Typical program parameters — final structure depends on credit, property, and the full file.

QualificationProperty rent — no tax returns / W-2s
Max LTV (purchase / R&T)Up to 80%
Max LTV (cash-out)Up to 75%
Typical down payment20–25%
Minimum credit650+ (case-by-case lower)
Reserves~3–6 months PITIA
Loan amounts$75K – $3M
VestingIndividual or LLC
Property typesSFR, 2–4 unit, condo
Georgia assessment basis40% of fair market value

What makes a Georgia deal different

Taxes are built on a 40% basis. Georgia assesses property at 40% of fair market value and applies county millage, and rentals don't get the homestead exemption. Because bills can reset after a sale, we underwrite taxes on your purchase price.

There's a tax on the loan itself. Georgia's intangible recording tax applies to the mortgage — roughly $1.50 per $500 financed — separate from the deed transfer tax. We factor both into the closing-cost picture up front.

Short-term rentals are set locally. Atlanta requires an STR license with primary-residence limits, and Savannah caps them by district — so STR eligibility depends on the specific address.

Recently funded in Georgia

Purchase · Atlanta
$336,000
  • 1.15 DSCR at 80% LTV
  • Closed in an LLC
  • Funded in 20 days
Cash-Out · Marietta
$402,000
  • 72% LTV cash-out
  • Stabilized single-family rental
  • Funded the next Gwinnett purchase
Duplex · Savannah
$288,000
  • 1.19 DSCR on a duplex
  • Both units leased at closing
  • Closed in an LLC
Rate & Term Refi · Augusta
$214,000
  • Lowered rate on a 30-year fixed
  • 1.30 DSCR at closing
  • Funded in 18 days
Purchase · Athens
$262,000
  • 1.09 DSCR at 75% LTV
  • Student-rental market
  • Closed in an LLC

Ready to Move on Your Georgia Deal?

Get a real DSCR read on your scenario — no credit pull, no income docs, no obligation.

View My Georgia Loan Options

Georgia DSCR loan FAQ

Straightforward answers to the most common questions about financing Georgia rentals with DSCR loans.

No. A DSCR loan qualifies on the property's rental income versus its payment, so there are no personal tax returns, W-2s, or debt-to-income requirements. You can also vest title in an LLC or in your own name. Your credit and reserves still matter, but the property's cash flow does the qualifying.

Georgia assesses property at 40 percent of fair market value and applies county millage, which produces effective rates that vary widely by county. Rental properties don't receive the homestead exemption that owner-occupants get, and assessments can reset after a sale, so estimate taxes from your purchase price rather than the seller's bill.

Georgia charges an intangible recording tax on new mortgages — about $1.50 per $500 of the loan amount — collected at closing when the security deed is recorded, separate from the deed transfer tax on the sale. It's a real Georgia closing-cost line item, so we factor it in when we walk through your numbers.

It depends on the city. Short-term-rental rules in Georgia are set locally — Atlanta requires a license with primary-residence limits, and Savannah caps STRs by district. Confirm the local permit and zoning requirements before you buy, and check with us on how the income would be calculated for that specific property.

Plan on roughly 20 to 25 percent down. Purchases and rate-and-term refinances go up to 80% LTV and cash-out refinances up to 75%, with the exact leverage tied to credit, DSCR, and property type.

DSCR loans for Georgia rental investors

OneDSCR helps real estate investors finance rental properties throughout Georgia using the property's rental income as the primary qualification metric. Whether you're buying a single-family rental in metro Atlanta, refinancing a duplex in Savannah, or scaling a portfolio in Augusta, the loan is built around the property's cash flow rather than traditional employment income.

Ready to finance your next Georgia rental?

Get a real DSCR read on your scenario — no credit pull, no income docs.

See My Georgia Loan Options

This is not an offer to lend or extend credit. All loan applications are subject to underwriting review, credit approval, and verification of information. Not all applicants will qualify. Loan terms, rates, LTVs, and availability are subject to change without notice and may vary based on creditworthiness, property type, market conditions, and jurisdiction. DSCR figures shown by the calculator are estimates only. OneDSCR originates loans for investment properties only.